1039 Spring St, Reading, PA 19604 Property Records

Berks County property record for 1039 Spring St, Reading, PA 19604

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,626 sqft · built 1900
Lot Size	0.04 acres (1,742 sqft)
Owner	Individual Name on Record
Last Sale	$105,000 (Dec 2020)
Tax Bill	$1,239 (2026)
Deeds & Mortgages	Jan 2023 Second Mortgage Dec 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`5317-45-05-9759`

Property Details

APN / Parcel Number

Primary APN	`5317-45-05-9759`
Alternative APNs	`13-5317-45-05-9759` `641200`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,626 sqft Living Area

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Lot Area	1,742 sqft (0.04 acres)
View / Lot	Neighborhood
Porch	Open Frame Porch
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Hot Water
Heating Fuel	Oil
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	1039 SPRING ST
City	READING
State	PA
Zip	19604-2231
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	05
Jurisdiction	BERKS PA
Township / Civil Division	READING
Census Block Group	2
Census Block	2013
Census Tract	800

Owner

Source: Berks County records, as of May 27, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	1039 SPRING ST, READING, PA 19604-2231
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 9, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage NEIGHBORHOOD HOUSING SERVICES OF GREATER
Dec 14, 2020	Deed of Trust, Mortgage · FHA Mortgage CROSSCOUNTRY MTG
Dec 22, 2020	Deed, Transfer · FHA Mortgage CROSSCOUNTRY MORTGAGE LLC
Nov 12, 2019	Deed of Trust, Mortgage · Conventional Mortgage ALLEN GEHRINGER
Apr 15, 2019	Grant Deed, Transfer · Construction Mortgage ALLEN GEHRINGER

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 22, 2020 · Amount on Record
Deed Sale	Dec 22, 2020 · Amount on Record
Prior Sale	Apr 15, 2019 · Amount on Record
Deed Document Number	202049048
Record Updated	Sep 20, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERKS PA
Property Address	1039 SPRING ST, READING, PA 19604-2231
Transaction Type	Mortgage
Record Updated	Jun 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000711
Date	Jan 9, 2023
Instrument	2023000711

Lender

Name	NEIGHBORHOOD HOUSING SERVICES OF GREATER
Type	Non-Lending Institution
Address	READING, PA 19601

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	238 Months
Due	Nov 1, 2042

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERKS PA
Property Address	1039 SPRING ST, READING, PA 19604-2231
Document Number	0000049049
Instrument Date	Dec 14, 2020
Transaction Type	Mortgage
Record Updated	Jan 22, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1039 SPRING ST READING PA 196042231, READING, PA 19604-2231

Mortgage

Document Number	0000049049
Date	Dec 22, 2020
Instrument	49049

Lender

Name	CROSSCOUNTRY MTG
Type	Mortgage Company
Address	BRECKSVILLE, OH 44141

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 21, 2050

December 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	BERKS PA
Recording Date	Dec 22, 2020
Property Address	1039 SPRING ST, READING, PA 19604-2231
Document Number	0000049048
Instrument Date	Dec 10, 2020
Instrument	2020049048
Transaction Type	Transfer
Record Updated	May 25, 2021
Title Company	EDGE ABSTRACT

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,050.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	1039 SPRING ST, READING, PA 19604-2231

Mortgage

Document Number	0000049049
Date	Dec 22, 2020
Instrument	2020049049

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Non-Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2051

Mortgage

Document Number	0000049050
Date	Dec 22, 2020
Instrument	2020049050

Lender

Name	NEIGHBORHOOD HOUSING SERVICE
Type	Government Agency
Address	READING, PA 19601

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	85 Months
Due	Jan 1, 2028

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERKS PA
Property Address	1039 SPRING ST, READING, PA 19604-2231
Document Number	0000039168
Instrument Date	Nov 12, 2019
Transaction Type	Mortgage
Record Updated	Nov 29, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1039 SPRING ST READING PA 196042231, READING, PA 19604-2231

Mortgage

Document Number	0000039168
Date	Nov 12, 2019
Instrument	39168

Lender

Name	ALLEN GEHRINGER
Address	333 HARD HILL RD, HAMBURG, PA 19526-8670

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

April 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	BERKS PA
Recording Date	Apr 15, 2019
Property Address	1039 SPRING ST, READING, PA 19604-2231
Document Number	0000011268
Instrument Date	Apr 12, 2019
Instrument	11268
Transaction Type	Transfer
Record Updated	Apr 26, 2019
Title Company	STEWART ABSTRACT AND TITLE, STEWART ABSTRACT

Transaction

Amount	Amount Recorded
Tax	$140.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	424 ACORN LN READING PA 196052151, READING, PA 19605-2151

Mortgage

Document Number	11269
Date	Apr 15, 2019
Instrument	11269

Lender

Name	ALLEN GEHRINGER
Address	333 HARD HILL RD, HAMBURG, PA 19526-8670

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Apr 14, 2020

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Pennsylvania
County	Berks County
Municipality	Reading City
Unified School District	Reading School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,239.00 (+6.63%)	$43,900 (-) Land $16,300 Building $27,600	$16,300 (-62.87%) Land $16,300
2024	$1,162.00	$43,900 Land $16,300 Building $27,600
1994			$43,900 Land $16,300 Building $27,600

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	2 (1978)
Most Recent Claim	Jan 1978 · tidal / storm surge

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 43% of Pennsylvania
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 AREA WATER AUTHORITY serves 95,100 people · EPA ID PA3060059
Water Source	Surface water
Last State Inspection	May 2025
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Treatment failure resolved · Apr 2025 E. coli resolved · Oct 2018
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 2,116 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

May also be available: AT&T, Verizon.

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