119 Gerald Ave, Reading, PA 19607 Property Records

Berks County property record for 119 Gerald Ave, Reading, PA 19607

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,046 sqft · built 1945
Lot Size	0.17 acres (7,405 sqft)
Owner	2 Individual Names on File
Last Sale	$137,500 (Apr 2017)
Tax Bill	$1,396 (2026)
Deeds & Mortgages	Oct 2021 Mortgage Apr 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`4385-12-97-4357`

Property Details

APN / Parcel Number

Primary APN	`4385-12-97-4357`
Alternative APNs	`39-4385-12-97-4357` `39084538` `084538`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,046 sqft Living Area
1st Floor Area	1,046 sqft
Basement Area	288 sqft
Game Room	Game Room

Exterior

Year Built	Built 1945
Effective Year Built	Effective 1945
Exterior Material	Asbestos
Lot Area	7,405 sqft (0.17 acres)
View / Lot	Neighborhood
Garage Type	Attached

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	39084538
Street Address	119 GERALD AVE
City	READING
State	PA
Zip	19607-2313
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	ROLLING HILLS SEC 01
Legal Block	97
Legal Lot Number	31
Jurisdiction	BERKS PA
Township / Civil Division	CUMRU
Census Block Group	1
Census Block	1033
Census Tract	11602

Owner

119 Gerald Ave is owned and occupied by two individuals who bought it in April 2017.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	119 GERALD AVE, READING, PA 19607-2313
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 13, 2021	Deed of Trust, Mortgage · Conventional Mortgage CITIZENS BANK NA
Apr 24, 2017	Deed, Transfer · Conventional Mortgage FULTON BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 24, 2017 · Amount on File
Deed Sale	Apr 24, 2017 · Amount on File
Prior Sale	Sep 3, 2004 · Amount on File
Deed Document Number	201714409
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERKS PA
Property Address	119 GERALD AVE, READING, PA 19607-2313
Transaction Type	Mortgage
Record Updated	Oct 27, 2021
Title Company	QUICK SILVA TITLE AND ESCROW, QUICKSILVA TITLE AND ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000051091
Date	Oct 13, 2021
Instrument	2021051091

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	PROVIDENCE, RI 02903

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	217 Months
Due	Nov 1, 2039

April 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	BERKS PA
Recording Date	Apr 24, 2017
Property Address	119 GERALD AVE, READING, PA 19607-2313
Document Number	0000014409
Instrument Date	Mar 31, 2017
Instrument	2017014409
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	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	119 GERALD AVE, READING, PA 19607-2313

Mortgage

Document Number	0000014410
Date	Apr 24, 2017
Instrument	2017014410

Lender

Name	FULTON BANK NA
Type	Bank
Address	LANCASTER, PA 17602

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 119 Gerald Ave was $1,396 with a homeowner's exemption.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,396.00 Homeowner's exemption	$70,300 Land $29,400 Building $40,900	$29,400 Land $29,400
2024	$1,118.00	$70,300 Land $29,400 Building $40,900
1994			$70,300 Land $29,400 Building $40,900

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

Flood

FEMA maps place 119 Gerald Ave in Zone X, an area of minimal flood risk, within 500 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 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force
Nearby Flood Claims	1 (1982)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jun 1982 · 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 119 Gerald 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	Direct burnable vegetation

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	SHILLINGTON MUNI AUTH serves 13,300 people · EPA ID PA3060067
Water Source	Purchased surface water from WESTERN BERKS WATER AUTH
Last State Inspection	Oct 2024
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Coliform assessment Dec 2025
Monitoring and Reporting	3 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 262 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Greenlight Networks.

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