109 Bainbridge Cir, Sinking Spring (Reading), PA 19608 Property Records

Berks County property record for 109 Bainbridge Cir, Sinking Spring, PA 19608

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,490 sqft · built 1997
Lot Size	0.09 acres (3,920 sqft)
Owner	2 Individual Names on File
Last Sale	$176,000 (Oct 2017)
Tax Bill	$1,899 (2026)
Deeds & Mortgages	Jul 2025 Mortgage Oct 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`4386-20-90-5511`

Property Details

APN / Parcel Number

Primary APN	`4386-20-90-5511`
Alternative APNs	`80-4386-20-90-5511` `80000998` `000998`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,490 sqft Living Area

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Exterior Material	Aluminum/Vinyl
Lot Area	3,920 sqft (0.09 acres)
View / Lot	Neighborhood
Garage Type	Attached
Porch	Open Frame Porch
Deck Area	Deck Area

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	80000998
Street Address	109 BAINBRIDGE CIR
City	READING
State	PA
Zip	19608-1774
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	BEVERLY HEIGHTS
Legal Block	90
Legal Lot Number	97
Jurisdiction	BERKS PA
Township / Civil Division	SPRING
Census Block Group	4
Census Block	4007
Census Tract	10803

Owner

109 Bainbridge Cir is owned and occupied by two individuals who acquired it in June 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	109 BAINBRIDGE CIR, READING, PA 19608-1774
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Jul 18, 2025	Intrafamily Transfer, Transfer · Conventional Mortgage FREEDOM MORTGAGE CORP
Oct 2, 2017	Deed, Transfer · FHA Mortgage HOME POINT FINANCIAL CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 2, 2017 · Amount on File
Deed Sale	Oct 2, 2017 · Amount on File
Prior Sale	Dec 30, 2015 · Amount on File
Deed Document Number	201736367
Last Transfer Date	Jun 4, 2025
Transfer Doc	0000021498
Record Updated	Oct 29, 2026

July 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BERKS PA
Recording Date	Jul 18, 2025
Property Address	109 BAINBRIDGE CIR, SINKING SPRING, PA 19608-1774
Document Number	0000021498
Map Reference	MB 213 PG 27
Instrument Date	Jun 4, 2025
Instrument	2025021498
Transaction Type	Transfer
Record Updated	Apr 30, 2026
Title Company	MORTGAGE CONNECT LP

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	109 BAINBRIDGE CIR, SINKING SPRING, PA 19608-1774

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	109 BAINBRIDGE CIR, SINKING SPRING, PA 19608-1774

Mortgage

Document Number	0000021499
Date	Jul 18, 2025
Instrument	2025021499

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2055

October 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	BERKS PA
Recording Date	Oct 2, 2017
Property Address	109 BAINBRIDGE CIR, SINKING SPRING, PA 19608-1774
Document Number	0000036367
Instrument Date	Sep 11, 2017
Instrument	2017036367
Transaction Type	Transfer
Record Updated	May 25, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
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	109 BAINBRIDGE CIR, SINKING SPRING, PA 19608-1774

Mortgage

Document Number	0000036368
Date	Oct 2, 2017
Instrument	2017036368

Lender

Name	HOME POINT FINANCIAL CORP

Agreement

Type	FHA Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2026 property tax bill for 109 Bainbridge Cir was $1,899.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,899.00	$98,400 Land $18,700 Building $79,700	$18,700 Land $18,700
2024	$1,685.00	$98,400 Land $18,700 Building $79,700
1994			$98,400 Land $18,700 Building $79,700

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 109 Bainbridge Cir in Zone X, an area of minimal flood risk.

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

Wildfire risk around 109 Bainbridge Cir 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	PAW PENN DISTRICT private · serves 28,508 people · EPA ID PA3060069
Water Source	Groundwater
Last State Inspection	Jun 2025
Lead	3 ppb (2025) action level 15 ppb

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 300 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: T-Mobile.

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