739 Pearl St, Reading, MA 01867 Property Records

Middlesex County and Reading Town property record for 739 Pearl St, Reading, MA 01867

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,341 sqft · built 1920
Lot Size	0.573 acres (24,951 sqft)
Owner	2 Individual Names on File
Last Sale	$345,000 (Aug 1996)
Tax Bill	$13,356 (2026)
Deeds & Mortgages	Nov 2021 Refinance Aug 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`READ M:056.0-0000-0095.0`

Property Details

APN / Parcel Number

Primary APN	`READ M:056.0-0000-0095.0`
Alternative APNs	`M:056.0=0000=0095.0` `2370000000110` `2370000000`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	3,341 sqft Living Area
Gross Area	4,759 sqft
1st Floor Area	1,726 sqft
Basement Area	1,072 sqft
Unfinished Basement	1,072 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1960
Architectural Style	Other
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	24,951 sqft (0.573 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	2370000000110
Street Address	739 PEARL ST
City	READING
State	MA
Zip	01867-1147
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	1000
Census Tract	334300

Owner

739 Pearl St is owned and occupied by two individuals who bought it in August 1996.

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

Owner of Record	2 Individual Names on File
Mailing Address	739 PEARL ST, READING, MA 01867-1147
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Nov 22, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance GUARANTEED RATE INC
Aug 21, 2018	Quit Claim Deed, Mortgage · Conventional Mortgage AMERICAN NBRHD MTG ACCPTNC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 13, 1996 · Amount on File
Deed Sale	Aug 13, 1996 · Amount on File
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Property Address	739 PEARL ST, READING, MA 01867-1147
Transaction Type	Mortgage
Record Updated	Dec 10, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1899849
Date	Nov 22, 2021
Instrument	1899849

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2051

August 2018: Quit Claim Deed, Mortgage

Document Type	Quit Claim Deed
Jurisdiction	READING MA
Recording Date	Aug 21, 2018
Property Address	739 PEARL ST, READING, MA 01867-1147
Document Number	0000095416
Instrument Date	Aug 16, 2018
Instrument	95416
Transaction Type	Mortgage
Record Updated	Sep 12, 2018

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	739 PEARL ST READING MA 018671147, READING, MA 01867-1147

Mortgage

Document Number	95417
Date	Aug 21, 2018
Instrument	95417

Lender

Name	AMERICAN NBRHD MTG ACCPTNC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 20, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.25%

Tax Assessment & Valuation

The 2026 property tax bill for 739 Pearl St was $13,356, up 3.5% from the year before.

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	$13,356.00 (+3.51%)	$1,218,600 (+7.57%) Land $547,200 Building $670,800	$1,209,959 (+1.95%)
2025	$12,903.00 (+0.23%)	$1,132,800 (+3.12%) Land $508,700 Building $624,100	$1,186,835 (-2.84%)
2024	$12,874.00 (+6.85%)	$1,098,500 (+14.79%) Land $493,300 Building $605,200	$1,221,510
2023	$12,049.00	$957,000 Land $429,700 Building $527,300

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

Flood

FEMA maps place 739 Pearl St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1982.

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

Wildfire risk around 739 Pearl St is low, with a 0.01% annual chance of 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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