1132 Bernard Dr, Reading, PA 19605 Property Records

Berks County property record for 1132 Bernard Dr, Reading, PA 19605

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,412 sqft · built 1994
Lot Size	0.18 acres (7,841 sqft)
Owner	2 Individual Names on File
Last Sale	$342,000 (Jul 2023)
Tax Bill	$1,768 (2026)
Deeds & Mortgages	Jul 2023 Sale & Mortgage Oct 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`4399-19-61-4732`

Property Details

APN / Parcel Number

Primary APN	`4399-19-61-4732`
Alternative APNs	`66-4399-19-61-4732` `027248`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,412 sqft Living Area
1st Floor Area	1,412 sqft
Basement Area	448 sqft
Game Room	Game Room

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Exterior Material	Aluminum/Vinyl
Lot Area	7,841 sqft (0.18 acres)
View / Lot	Neighborhood
Garage Type	Attached

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1132 BERNARD DR
City	READING
State	PA
Zip	19605-3237
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	WHITFORD HILLS
Legal Block	61
Legal Lot Number	4
Jurisdiction	BERKS PA
Township / Civil Division	MUHLENBERG
Census Block Group	2
Census Block	2020
Census Tract	12702

Owner

1132 Bernard Dr is owned and occupied by two individuals who bought it in July 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	1132 BERNARD DR, READING, PA 19605-3237
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 24, 2023	Deed, Transfer · FHA Mortgage HOMESALE MORTGAGE LLC
Oct 5, 2022	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Mar 31, 2021	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Sep 7, 2017	Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 24, 2023 · Amount on File
Deed Sale	Jul 24, 2023 · Amount on File
Prior Sale	Sep 7, 2017 · Amount on File
Deed Document Number	202321556
Record Updated	Oct 29, 2026

July 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	BERKS PA
Recording Date	Jul 24, 2023
Property Address	1132 BERNARD DR, READING, PA 19605-3237
Document Number	0000021556
Map Reference	MB 41 PG 9
Instrument Date	Jul 6, 2023
Instrument	2023021556
Transaction Type	Transfer
Record Updated	Aug 8, 2023
Title Company	POWER SETTLEMENT GROUP LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,420.00
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 by the Entirety
Address	1132 BERNARD DR, READING, PA 19605-3237

Mortgage

Document Number	0000021557
Date	Jul 24, 2023
Instrument	2023021557

Lender

Name	HOMESALE MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2053

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERKS PA
Property Address	1132 BERNARD DR, READING, PA 19605-3237
Transaction Type	Mortgage
Record Updated	Oct 20, 2022
Title Company	INSPIRE CLOSINGS SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000039589
Date	Oct 5, 2022
Instrument	2022039589

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2052

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERKS PA
Property Address	1132 BERNARD DR, READING, PA 19605-3237
Transaction Type	Mortgage
Record Updated	Apr 19, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000015709
Date	Mar 31, 2021
Instrument	2021015709

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

September 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	BERKS PA
Recording Date	Sep 7, 2017
Property Address	1132 BERNARD DR, READING, PA 19605-3237
Document Number	0000032862
Map Reference	PL 41 PG 9
Instrument Date	Aug 25, 2017
Instrument	2017032862
Transaction Type	Transfer
Record Updated	May 25, 2021

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1132 BERNARD DR, READING, PA 19605-3237

Tax Assessment & Valuation

The 2026 property tax bill for 1132 Bernard Dr was $1,768.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,768.00	$117,800 Land $30,100 Building $87,700	$30,100 Land $30,100
2024	$1,654.00 (-68.93%)	$117,800 (-) Land $30,100 Building $87,700
2023	$5,323.00 Homeowner's exemption	$117,800 Land $30,100 Building $87,700
1994			$117,800 Land $30,100 Building $87,700

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 1132 Bernard Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2020.

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 Policies	1 in force
Nearby Flood Claims	1 (2020)
Most Recent Claim	Oct 2020 · other causes

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

The area around 1132 Bernard Dr has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land 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	MUHLENBERG TWP MUNI AUTH serves 22,400 people · EPA ID PA3060038
Water Source	Groundwater
Last State Inspection	Jun 2023
Lead	1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Coliform assessment Aug 2020
Monitoring and Reporting	26 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 434 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Frontier, Verizon.

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