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Single Family ResidenceResidential
$768,468$558 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 96How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Aug 30, 2026
Last sold for $625,000 on Jun 9, 2021

640 PEARL ST

READING, MA 01867
3
Beds
1
Baths
1,376 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.46 ac
Lot SizeThe size of the land the home sits on, from county records.
1958
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
7
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$768K
$736K low$801K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$625,000 · Jun 9, 2021

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$8,555 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$751,100 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$491,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$260,100
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$727,130

Climate Risk

Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.3 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.6%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.minimal

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
StyleThe architectural style of the home, such as ranch or colonial.Ranch
CountyMIDDLESEX
Effective Year BuiltAn adjusted build year that accounts for condition and major remodels. A big renovation can make a home count as newer than it is.1965
Lot (acres)The size of the land the home sits on, from county records.0.46
ConstructionThe main material the home's frame and walls are built from.Frame (Unspecified)
RoofThe main material covering the roof, such as asphalt shingle or tile.Asphalt
HeatingThe type of heating system in the home.Hot Water
CoolingThe type of cooling or air conditioning in the home.Yes
FireplaceWhether the home has a fireplace, and what kind.Yes
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Basement
PoolWhether the property has a pool, and what kind, such as in-ground.Yes
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Deck

Transaction History(1)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Wood End Elementary SchoolA+
Elementary · Grades KG–5 · 0.7 mi
M
Arthur W. Coolidge Middle SchoolA-
Middle · Grades 6–8 · 1.2 mi
H
Reading Memorial High SchoolA-
High · Grades 9–12 · 1.4 mi

District: Reading School District

Neighborhood · ZIP 01867These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.29
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.99
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.81

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.96%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.37%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.3.5%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.2%
PopulationHow many people live in this area.25,631
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.2,546 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$145,651
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$169,912
Average tempThe average temperature here across a full year.49°F
Annual precipHow much rain and melted snow falls here in a typical year.48 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.58%

Owner Tools

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Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

640 Pearl St measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth less than 69% of homes in Reading 01867
  • Costs more per square foot than 85% of homes in Reading 01867
  • Smaller than 80% of homes in Reading 01867

What homes are worth in Reading 01867

Each bar is how many homes fall in that price range. The marker is this home.

This home
$379K$1.6M

This home is worth more than 31% of homes in Reading 01867.

How it measures up in Reading 01867

The dot is this home. The mark in the middle is the typical home in Reading 01867.

Estimated value$768,468
CheaperTypical $874,723Pricier

Pricier than 31% of homes nearby

Price per ft²$558
CheaperTypical $469Pricier

Pricier than 85% of homes nearby

Living area1,376 ft²
SmallerTypical 1,947 ft²Bigger

Bigger than 20% of homes nearby

Lot size0.46 ac
SmallerTypical 0.35 acBigger

Bigger than 60% of homes nearby

Year built1958
OlderTypical 1958Newer

Newer than 50% of homes nearby

How 640 Pearl St ranks against every home in each area.
MeasureThis homeReading 01867Middlesex County
Estimated valuepricier than$768,46831% of homes49% of homes
Price per ft²pricier than$55885% of homes70% of homes
Living areabigger than1,376 ft²20% of homes29% of homes
Lot sizebigger than0.46 ac60% of homes61% of homes
Year builtnewer than195850% of homes50% of homes

About 640 Pearl St

How much is 640 Pearl St, Reading, MA worth?

The TopHap Estimate for 640 Pearl St, Reading, MA is $768,468 as of Aug 30, 2026. The likely range is $736,272 to $800,664. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 640 Pearl St, Reading, MA last sell?

640 Pearl St, Reading, MA last sold on Jun 9, 2021 for $625,000, according to the county's recorded deed.

How big is 640 Pearl St, Reading, MA?

640 Pearl St, Reading, MA has 3 bedrooms, 1 bathrooms, 1,376 square feet of living space and a 0.46-acre lot.

When was 640 Pearl St, Reading, MA built?

640 Pearl St, Reading, MA was built in 1958, making it 68 years old. It is a ranch home. The building has 1 story.

What schools serve 640 Pearl St, Reading, MA?

640 Pearl St, Reading, MA is assigned to Wood End Elementary School (elementary), rated A+; Arthur W. Coolidge Middle School (middle), rated A-; Reading Memorial High School (high), rated A-. All sit in Reading School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 640 Pearl St, Reading, MA compare to other homes in Reading 01867?

Among the 8,629 homes in Reading 01867, it is worth more than 31% of them ($768,468 against a typical $874,723), its price per square foot is higher than 85% of them ($558 against a typical $469), it is bigger than 20% of them (1,376 ft² against a typical 1,947 ft²), its lot is bigger than 60% of them (0.46 ac against a typical 0.35 ac) and it is newer than 50% of them (1958 against a typical 1958). Measured against all of Middlesex County, it is worth more than 49% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 640 Pearl St, Reading, MA?

The 2025 property tax bill for 640 Pearl St, Reading, MA was $8,555. The county assessed it at $751,100.

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