Middlesex County and Reading Town property record for 686 Pearl St, Reading, MA 01867
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,872 sqft · built 1958 |
| Lot Size | 0.564 acres (24,568 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $420,000 (Jun 2013) |
| Tax Bill | $9,112 (2025) |
| Deeds & Mortgages | Nov 2020 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | READ M:057.0-0000-0003.0 |
| Primary APN | READ M:057.0-0000-0003.0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,872 sqft Living Area |
| Gross Area | 2,768 sqft |
| 1st Floor Area | 1,426 sqft |
| Basement Area | 994 sqft |
| Unfinished Basement | 596 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1958 |
|---|---|
| Effective Year Built | Effective 1965 |
| Architectural Style | Ranch |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 24,568 sqft (0.564 acres) |
| Deck Area | Deck Area |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Account Number | 2250000000260 |
|---|---|
| Street Address | 686 PEARL ST |
| City | READING |
| State | MA |
| Zip | 01867-1144 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | S20 |
| Jurisdiction | READING MA |
| Township / Civil Division | READING |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 334300 |
Source: Middlesex County and Reading Town assessment roll, as of April 14, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 686 PEARL ST, READING, MA 01867-1144 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jun 12, 2013 · Amount on Record |
| Deed Sale | Jun 12, 2013 · Amount on Record |
| Prior Sale | Jun 12, 2013 · Amount on Record |
| Deed Book / Page | 62003 / 320 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 686 PEARL ST, READING, MA 01867-1144 |
| Transaction Type | Mortgage |
| Record Updated | May 10, 2022 |
| Name | Verified Name |
|---|
| Document Number | 076257-226 |
|---|---|
| Date | Nov 24, 2020 |
| Book Page | 76257/226 |
| Instrument | 222378 |
| Name | MORTGAGE NETWORK INC |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2050 |
Source: Middlesex County and Reading Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Middlesex County |
| County Subdivision | Reading Town |
| Unified School District | Reading School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $9,112.00 (+0.2%) | $800,000 (+3.11%) Land $507,300 Building $292,700 | $762,850 (+0.53%) |
| 2024 | $9,094.00 (+6.79%) | $775,900 (+14.71%) Land $491,900 Building $284,000 | $758,860 |
| 2023 | $8,516.00 | $676,400 Land $428,500 Building $247,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective September 10, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 2 (1982–2010) |
| Claims Outside the SFHA | 1 of 2 |
| Most Recent Claim | Mar 2010 · Severe Storms And Flooding |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · above 57% of Massachusetts |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | None beyond ember reach |
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | READING WATER DEPARTMENT (MWRA) serves 26,262 people · EPA ID MA3246000 |
|---|---|
| Water Source | Purchased surface water from MWRA |
| Last State Inspection | Nov 2023 |
| Lead | 8 ppb (2021–2023) action level 15 ppb |
| Water Quality | E. coli not recorded as resolved · Oct 2019 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 60 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fiber | 980 / 880 |
5G (outdoors only) and 4G LTE
Search by:
By searching, you agree to: Terms • Privacy • Disclosures