Berks County property record for 103 Elm St, Reading, PA 19606
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 2,142 sqft · built 1979 |
| Lot Size | 0.18 acres (7,841 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $205,000 (Dec 2005) |
| Tax Bill | $2,129 (2026) |
| Deeds & Mortgages | Jul 2026 Line of Credit Mar 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 5326-11-66-9151 |
| Primary APN | 5326-11-66-9151 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 2,142 sqft Living Area |
| Gross Area | 2,670 sqft |
| 1st Floor Area | 2,142 sqft |
| Basement Area | 528 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1979 |
|---|---|
| Effective Year Built | Effective 1979 |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 7,841 sqft (0.18 acres) |
| View / Lot | Neighborhood |
| Garage Type | Attached |
| Pool Area | 406 sqft |
| Deck Area | Deck Area |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Oil |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 81004423 |
|---|---|
| Street Address | 103 ELM ST |
| City | READING STATION |
| State | PA |
| Zip | 19606-2837 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Subdivision | DEVELOPMENT/PENNS GRANT PH I |
| Legal Block | 66 |
| Legal Lot Number | 26 |
| Jurisdiction | BERKS PA |
| Township / Civil Division | ST. LAWRENCE |
| Census Block Group | 1 |
| Census Block | 1028 |
| Census Tract | 12101 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Individually Listed | Levan Farm listed 1978 · 1 contributing resources · NRIS 78002348 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
103 Elm St is owned and occupied by two individuals who bought it in December 2005.
Source: Berks County records, as of August 7, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 103 ELM ST, READING STATION, PA 19606-2837 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jul 28, 2026 | Deed of Trust, Mortgage · Line of Credit DIAMOND CREDIT UNION |
| Mar 18, 2022 | Deed of Trust, Mortgage · Conventional Mortgage SANTANDER BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 9, 2005 · Amount on File |
| Deed Sale | Dec 9, 2005 · Amount on File |
| Deed Document Number | 200575929 |
| Deed Book / Page | 4730 / 2285 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERKS PA |
| Recording Date | Jul 28, 2026 |
| Property Address | 103 ELM ST, READING STATION, PA 19606-2837 |
| Document Number | 0000024657 |
| Instrument Date | Jul 23, 2026 |
| Instrument | 202624657 |
| Transaction Type | Mortgage |
| Record Updated | Aug 7, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 103 ELM ST, READING STATION, PA 19606-2837 |
| Document Number | 0000024657, |
|---|---|
| Date | Jul 28, 2026 |
| Instrument | 202624657 |
| Name | DIAMOND CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Aug 4, 2041 |
| Rate | 5.84% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERKS PA |
| Property Address | 103 ELM ST, READING STATION, PA 19606-2837 |
| Transaction Type | Mortgage |
| Record Updated | Mar 30, 2022 |
| Title Company | QUICK SILVA TITLE AND ESCROW, QUICKSILVA TITLE AND ESCROW |
| Name | Verified Name |
|---|
| Document Number | 0000011633 |
|---|---|
| Date | Mar 18, 2022 |
| Instrument | 2022011633 |
| Name | SANTANDER BANK NA |
|---|---|
| Type | Bank |
| Address | WILMINGTON, DE 19801 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2052 |
The 2026 property tax bill for 103 Elm St was $2,129 with a homeowner's exemption.
Source: Berks County assessment roll, as of May 27, 2026
| Type | Name |
|---|---|
| State | Pennsylvania |
| County | Berks County |
| Municipality | St. Lawrence Borough |
| Unified School District | Exeter Township School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,129.00 Homeowner's exemption | $120,100 Land $30,400 Building $89,700 | $30,400 Land $30,400 |
| 2024 | $1,984.00 | $120,100 Land $30,400 Building $89,700 | |
| 1994 | $120,100 Land $30,400 Building $89,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 103 Elm St in Zone X, an area of minimal flood risk, though there have been 8 flood claims nearby since 1979.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 4 in force |
| Nearby Flood Claims | 8 (1979–2023) |
| Claims Outside the SFHA | 2 of 8 |
| Most Recent Claim | Jul 2023 · rainfall accumulation |
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 risk around 103 Elm 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 43% of Pennsylvania |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Indirect within ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | MT PENN BORO MUNI AUTH serves 10,400 people · EPA ID PA3060082 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Apr 2024 |
| Lead | 3 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| 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 345 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Service Electric Cable TV Cable | 2,000 / 200 |
| Verizon Fixed Wireless | 300 / 20 |
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