Berks County property record for 109 Emerald Ave, Reading, PA 19606
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1.5 ba · 2,153 sqft · built 1952 |
| Lot Size | 0.13 acres (5,663 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $134,900 (Jun 2016) |
| Tax Bill | $2,113 (2026) |
| Deeds & Mortgages | Jun 2021 Mortgage Nov 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 5327-17-11-7086 |
| Primary APN | 5327-17-11-7086 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 1 Story |
| Building Area | 2,153 sqft Living Area |
| 1st Floor Area | 1,864 sqft |
| Basement Area | 289 sqft |
| Finished Basement | 289 sqft |
| Family Room | Family Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1952 |
|---|---|
| Effective Year Built | Effective 1952 |
| Exterior Material | Brick |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Raised |
| Lot Area | 5,663 sqft (0.13 acres) |
| View / Lot | Neighborhood |
| Porch | Open Frame Porch |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 23150505 |
|---|---|
| Street Address | 109 EMERALD AVE |
| City | READING |
| State | PA |
| Zip | 19606-1430 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Subdivision | PENNSIDE 2ND ADD |
| Legal Block | 11 |
| Jurisdiction | BERKS PA |
| Township / Civil Division | LOWER ALSACE |
| Census Block Group | 2 |
| Census Block | 2019 |
| Census Tract | 12300 |
109 Emerald Ave is owned and occupied by two individuals who bought it in June 2016.
Source: Berks County records, as of May 27, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 109 EMERALD AVE, READING, PA 19606-1430 |
| 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 |
|---|---|
| Jun 9, 2021 | Deed of Trust, Mortgage · Conventional Mortgage GATEWAY FIRST BANK |
| Nov 13, 2019 | Deed of Trust, Mortgage · Stand-Alone First Mortgage RIVERFRONT FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 30, 2016 · Amount on File |
| Deed Sale | Jun 30, 2016 · Amount on File |
| Prior Sale | Jul 2, 1979 |
| Deed Document Number | 201622378 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERKS PA |
| Property Address | 109 EMERALD AVE, READING, PA 19606-1430 |
| Transaction Type | Mortgage |
| Record Updated | Jun 23, 2021 |
| Title Company | REA ABSTRACT, REGAL ABSTRACT |
| Name | Verified Name |
|---|
| Document Number | 0000028840 |
|---|---|
| Date | Jun 9, 2021 |
| Instrument | 2021028840 |
| Name | GATEWAY FIRST BANK |
|---|---|
| Type | Bank |
| Address | JENKS, OK 74037 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Jul 1, 2041 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERKS PA |
| Property Address | 109 EMERALD AVE, READING, PA 19606-1430 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000039498 |
|---|---|
| Date | Nov 13, 2019 |
| Instrument | 2019039498 |
| Name | RIVERFRONT FCU |
|---|---|
| Type | Credit Union |
| Address | READING, PA 19602 |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Nov 23, 2034 |
The 2026 property tax bill for 109 Emerald Ave was $2,113 with a homeowner's exemption.
Source: Berks County assessment roll, as of May 27, 2026
| Type | Name |
|---|---|
| State | Pennsylvania |
| County | Berks County |
| County Subdivision | Lower Alsace Township |
| Unified School District | Antietam School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,113.00 Homeowner's exemption | $96,300 Land $26,400 Building $69,900 | $26,400 Land $26,400 |
| 2024 | $1,900.00 | $96,300 Land $26,400 Building $69,900 | |
| 1994 | $96,300 Land $26,400 Building $69,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 109 Emerald Ave in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 2 (2001–2006) |
| Claims Outside the SFHA | 1 of 2 |
| Most Recent Claim | Jun 2006 · Severe Storms, Flooding, And Mudslides |
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 109 Emerald Ave 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 541 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
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