1042 Locust St, Reading, PA 19604 Property Records

Berks County property record for 1042 Locust St, Reading, PA 19604

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 994 sqft · built 1920
Lot Size	0.03 acres (1,307 sqft)
Owner	Individual Name on Record
Last Sale	$166,500 (Apr 2026)
Tax Bill	$996 (2026)
Deeds & Mortgages	Apr 2026 Sale & Mortgage Aug 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`5317-46-16-3018`

Property Details

APN / Parcel Number

Primary APN	`5317-46-16-3018`
Alternative APNs	`13-5317-46-16-3018` `13467050` `467050`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	994 sqft Living Area

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Lot Area	1,307 sqft (0.03 acres)
View / Lot	Neighborhood

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	13467050
Street Address	1042 LOCUST ST
City	READING
State	PA
Zip	19604-2227
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	16
Jurisdiction	BERKS PA
Township / Civil Division	READING
Census Block Group	2
Census Block	2004
Census Tract	700

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	1042 LOCUST ST, READING, PA 19604-2227
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 28, 2026	Deed, Transfer · FHA Mortgage CUSTOMERS BANK
Aug 18, 2020	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 28, 2026 · Amount on Record
Deed Sale	Apr 28, 2026 · Amount on Record
Prior Sale	Jul 2, 2012 · Amount on Record
Deed Document Number	202612908
Record Updated	Sep 20, 2026

April 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	BERKS PA
Recording Date	Apr 28, 2026
Property Address	1042 LOCUST ST, READING, PA 19604-2227
Document Number	0000012908
Instrument Date	Apr 28, 2026
Instrument	2026.12908
Transaction Type	Transfer
Record Updated	May 11, 2026
Title Company	GOLDEN GATE SETTLEMENT GROUP L

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$168,165.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1042 LOCUST ST, READING, PA 19604-2227

Mortgage

Document Number	0000012909,
Date	Apr 28, 2026
Instrument	2026..12909

Lender

Name	CUSTOMERS BANK

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate	6.11%
Max Rate	-1%

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERKS PA
Property Address	1042 LOCUST ST, READING, PA 19604-2227
Transaction Type	Mortgage
Record Updated	Dec 12, 2022
Title Company	FIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000028406
Date	Aug 18, 2020
Instrument	2020028406

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	263 Months
Due	Jul 1, 2042

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	$996.00 (+3.97%)	$35,300 (-) Land $15,000 Building $20,300	$15,000 (-) Land $15,000
2025	$958.00 (+2.57%) Homeowner's exemption	$35,300 (-) Land $15,000 Building $20,300	$15,000 (-57.51%) Land $15,000
2024	$934.00	$35,300 Land $15,000 Building $20,300
1994			$35,300 Land $15,000 Building $20,300

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

Flood

Source: FEMA National Flood Hazard Layer, effective February 26, 2018

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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	Indirect within 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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