700 Pearl St, Reading, MA 01867 Property Records

Middlesex County and Reading Town property record for 700 Pearl St, Reading, MA 01867

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,918 sqft · built 1958
Lot Size	0.459 acres (19,998 sqft)
Owner	2 Company Names on Record
Last Sale	$596,587 (Dec 2003)
Tax Bill	$9,051 (2026)
Deeds & Mortgages	Jun 2026 Line of Credit Nov 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`READ M:057.0-0000-0001.0`

Property Details

APN / Parcel Number

Primary APN	`READ M:057.0-0000-0001.0`
Alternative APNs	`M:057.0=0000=0001.0` `2250000000240` `2250000000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,918 sqft Living Area
Gross Area	2,968 sqft
1st Floor Area	952 sqft
Basement Area	1,400 sqft
Unfinished Basement	882 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1972
Architectural Style	Ranch
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	19,998 sqft (0.459 acres)
Garage Type	Basement
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	2250000000240
Street Address	700 PEARL ST
City	READING
State	MA
Zip	01867-1146
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

Owner

Source: Middlesex County and Reading Town records, as of October 20, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on Record
Mailing Address	700 PEARL ST, READING, MA 01867-1146
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Jun 10, 2026	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Nov 1, 2019	Deed of Trust, Mortgage · Line of Credit CITIZENS BK/RI

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 26, 2003 · Amount on Record
Deed Sale	Dec 26, 2003 · Amount on Record
Prior Sale	Sep 21, 1995 · Amount on Record
Deed Document Number	2003416
Deed Book / Page	1685 / 439
Transfer Doc	1146-85
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Recording Date	Jun 10, 2026
Property Address	700 PEARL ST, READING, MA 01867-1146
Document Number	0002001425
Instrument Date	Jun 1, 2026
Instrument	20262001425
Transaction Type	Mortgage
Record Updated	Jul 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002001425,
Date	Jun 10, 2026
Instrument	20262001425

Lender

Name	CITIZENS BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Jul 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	6.3%
Initial Type	Adjustable Rate
Max Rate	-1%

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Property Address	700 PEARL ST, READING, MA 01867-1146
Document Number	0000029892
Instrument Date	Nov 1, 2019
Transaction Type	Mortgage
Record Updated	Dec 17, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	700 PEARL ST READING MA 018671146, READING, MA 01867-1146

Mortgage

Document Number	0000029892
Date	Nov 27, 2019
Instrument	29892

Lender

Name	CITIZENS BK/RI
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Middlesex County and Reading Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Middlesex County
County Subdivision	Reading Town
Unified School District	Reading School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$9,051.00 (+3.51%)	$825,800 (+7.57%) Land $528,200 Building $297,000	$805,209 (+1.58%)
2025	$8,744.00 (+0.23%)	$767,700 (+3.13%) Land $491,000 Building $276,700	$792,680 (-2.85%)
2024	$8,724.00 (+6.83%)	$744,400 (+14.77%) Land $476,100 Building $268,300	$815,955
2023	$8,166.00	$648,600 Land $414,800 Building $233,800

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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.

Wildfire

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

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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

Cell Coverage

5G (outdoors only) and 4G LTE

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