1040 Union St, Reading, PA 19604 Property Records

Berks County property record for 1040 Union St, Reading, PA 19604

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,531 sqft · built 1900
Lot Size	0.03 acres (1,307 sqft)
Owner	Individual Name on File
Last Sale	$170,000 (Apr 2024)
Tax Bill	$1,476 (2026)
Deeds & Mortgages	Apr 2024 Sale & Mortgage May 2021 Transfer
Flood Zone	Zone X (minimal risk)
APN	`5317-21-08-9827`

Property Details

APN / Parcel Number

Primary APN	`5317-21-08-9827`
Alternative APNs	`17-5317-21-08-9827` `17665275` `665275`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Total Rooms	8 Rooms
Stories	3 Stories
Building Area	1,531 sqft Living Area

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Lot Area	1,307 sqft (0.03 acres)
View / Lot	Neighborhood
Porch	Open Frame Porch

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	17665275
Street Address	1040 UNION ST
City	READING
State	PA
Zip	19604-1743
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	08
Jurisdiction	BERKS PA
Township / Civil Division	READING
Census Block Group	1
Census Block	1004
Census Tract	500

Owner

1040 Union St is owned and occupied by an individual who bought it in April 2024.

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

Owner of Record	Individual Name on File
Mailing Address	1040 UNION ST, READING, PA 19604-1743
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.

Deeds, Mortgages & Sale History

Date	Document
Apr 2, 2024	Deed, Transfer · FHA Mortgage CUSTOMERS BANK
May 5, 2021	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 2, 2024 · Amount on File
Deed Sale	Apr 2, 2024 · Amount on File
Prior Sale	Jul 21, 2005 · Amount on File
Deed Document Number	20249490
Prior Transfer Date	May 3, 2021
Prior Transfer Doc	0000022565
Record Updated	Oct 29, 2026

April 2024: Deed, Transfer

Document Type	Deed
Jurisdiction	BERKS PA
Recording Date	Apr 2, 2024
Property Address	1040 UNION ST, READING, PA 19604-1743
Document Number	0000009490
Instrument Date	Mar 21, 2024
Instrument	2024009490
Transaction Type	Transfer
Record Updated	Apr 17, 2024
Title Company	KEYSTONE TITLE SERVICES

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,700.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1040 UNION ST, READING, PA 19604-1743

Mortgage

Document Number	0000009491
Date	Apr 2, 2024
Instrument	2024009491

Lender

Name	CUSTOMERS BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2054

Mortgage

Document Number	0000009492
Date	Apr 2, 2024
Instrument	2024009492

Lender

Name	PENNSYLVANIA HOUSING FINANCE AGENCY
Type	Government Agency

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	120 Months
Due	Apr 1, 2034

May 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BERKS PA
Recording Date	May 5, 2021
Property Address	1040 UNION ST, READING, PA 19604-1743
Document Number	0000022565
Instrument Date	May 3, 2021
Instrument	2021022565
Transaction Type	Transfer
Record Updated	Dec 12, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2048 FAIRVIEW AVE, READING, PA 19606-1717
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2026 property tax bill for 1040 Union St was $1,476.

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	$1,476.00	$52,300 Land $15,000 Building $37,300	$15,000 Land $15,000
2024	$1,384.00 (-39.46%)	$52,300 (-) Land $15,000 Building $37,300
2023	$2,286.00 Homeowner's exemption	$52,300 Land $15,000 Building $37,300
1994			$52,300 Land $15,000 Building $37,300

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

Flood

FEMA maps place 1040 Union St in Zone X, an area of minimal flood risk, though there have been 1 flood claim 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 Claims	1 (1979)
Most Recent Claim	Jan 1979 · 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

Wildfire risk around 1040 Union 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	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 808 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: AT&T, T-Mobile.

Nearby Properties on Union St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures