1020 Bowman St, Reading, PA 19605 Property Records

Berks County property record for 1020 Bowman St, Reading, PA 19605

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 4,382 sqft · built 1999
Lot Size	0.43 acres (18,731 sqft)
Owner	2 Individual Names on Record
Last Sale	$284,800 (Aug 1999)
Tax Bill	$3,483 (2026)
Deeds & Mortgages	Jul 2026 Line of Credit Jun 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`4399-02-96-5785`

Property Details

APN / Parcel Number

Primary APN	`4399-02-96-5785`
Alternative APNs	`66-4399-02-96-5785` `66000773` `000773`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	4,382 sqft Living Area
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Exterior Material	Aluminum/Vinyl
Lot Area	18,731 sqft (0.43 acres)
View / Lot	Neighborhood
Garage Type	Attached
Pool Area	1,320 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	66000773
Street Address	1020 BOWMAN ST
City	READING
State	PA
Zip	19605-3282
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	RIVERVALE MDWS
Legal Block	96
Legal Lot Number	48&68
Jurisdiction	BERKS PA
Township / Civil Division	MUHLENBERG
Census Block Group	1
Census Block	1004
Census Tract	12702

Owner

Source: Berks County records, as of July 17, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	1020 BOWMAN ST, READING, PA 19605-3282
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 7, 2026	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Jun 27, 2017	Deed of Trust, Mortgage · Line of Credit CITIZENS BK/PA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 10, 1999 · Amount on Record
Deed Sale	Aug 10, 1999 · Amount on Record
Deed Book / Page	3111 / 442
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERKS PA
Recording Date	Jul 7, 2026
Property Address	1020 BOWMAN ST, READING, PA 19605-3282
Document Number	0000021664
Instrument Date	Jun 23, 2026
Instrument	202621664
Transaction Type	Mortgage
Record Updated	Jul 17, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1020 BOWMAN ST, READING, PA 19605-3282

Mortgage

Document Number	0000021664,
Date	Jul 7, 2026
Instrument	202621664

Lender

Name	CITIZENS BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	299 Months
Due	Jun 29, 2051

Interest

Rate	6.53%
Max Rate	-1%

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERKS PA
Property Address	1020 BOWMAN ST, READING, PA 19605-3282
Document Number	0000025124
Instrument Date	Jun 27, 2017
Transaction Type	Mortgage
Record Updated	Nov 1, 2017
Title Company	EQUITY NATIONAL TITLE LLC, EQUITY NATIONAL TITLE AND CLOSING S

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1020 BOWMAN ST READING PA 196053282, READING, PA 19605-3282

Mortgage

Document Number	0000025124
Date	Jul 13, 2017
Instrument	25124

Lender

Name	CITIZENS BK/PA
Type	Bank
Address	PHILADELPHIA, PA 19103

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Jul 12, 2042

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Berks County assessment roll, as of May 27, 2026

Property Jurisdictions

Type	Name
State	Pennsylvania
County	Berks County
County Subdivision	Muhlenberg Township
Unified School District	Muhlenberg School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,483.00 (-1.8%) Homeowner's exemption	$232,000 (-8.16%) Land $31,500 Building $200,500	$31,500 (-87.53%) Land $31,500
2024	$3,547.00	$252,600 Land $31,500 Building $221,100
1994			$252,600 Land $31,500 Building $221,100

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 February 26, 2018 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	7 in force
Nearby Flood Claims	3 (2006–2021)
Most Recent Claim	Sep 2021 · river or lake 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 97% of the US · lower than 97.3% of Pennsylvania
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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	MUHLENBERG TWP MUNI AUTH serves 22,400 people · EPA ID PA3060038
Water Source	Groundwater
Last State Inspection	Jun 2023
Lead	1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Coliform assessment Aug 2020
Monitoring and Reporting	26 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 111 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Greenlight Networks Fiber	10,000 / 10,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: Frontier.

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