Berks County property record for 1246 Luzerne St, Reading, PA 19601
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 848 sqft · built 1900 |
| Lot Size | 0.05 acres (2,178 sqft) |
| Owner | Individual Name on File |
| Last Sale | $175,000 (Apr 2026) |
| Tax Bill | $1,024 (2026) |
| Deeds & Mortgages | May 2024 Mortgage Apr 2026 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 5307-38-16-9842 |
| Primary APN | 5307-38-16-9842 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 4 Rooms |
| Stories | 2 Stories |
| Building Area | 848 sqft Living Area |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Exterior Material | Brick |
| Construction Type | Masonry / Concrete Block |
| Lot Area | 2,178 sqft (0.05 acres) |
| View / Lot | Neighborhood |
| Porch | Stoop |
| Deck Area | Deck Area |
| Cooling System | Central |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Oil |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 19475075 |
|---|---|
| Street Address | 1246 LUZERNE ST |
| City | READING |
| State | PA |
| Zip | 19601-1739 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Subdivision | GLENSIDE |
| Legal Block | 16 |
| Legal Lot Number | 3 |
| Jurisdiction | BERKS PA |
| Township / Civil Division | READING |
| Census Block Group | 2 |
| Census Block | 2021 |
| Census Tract | 200 |
1246 Luzerne St is owned and occupied by an individual who bought it in April 2026.
Source: Berks County records, as of August 21, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1246 LUZERNE ST, READING, PA 19601-1739 |
| 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 |
|---|---|
| May 16, 2024 | Deed of Trust, Mortgage · FHA Mortgage LOANDEPOT.COM LLC |
| Apr 6, 2026 | Deed, Transfer · FHA Mortgage CROSSCOUNTRY MORTGAGE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 6, 2026 · Amount on File |
| Deed Sale | Apr 6, 2026 · Amount on File |
| Prior Sale | Dec 7, 2000 |
| Deed Document Number | 202610142 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERKS PA |
| Property Address | 1246 LUZERNE ST, READING, PA 19601-1739 |
| Transaction Type | Mortgage |
| Record Updated | Apr 20, 2026 |
| Title Company | MORTGAGE CONNECT LP |
| Name | Verified Name |
|---|
| Document Number | 0000014346 |
|---|---|
| Date | May 16, 2024 |
| Instrument | 2024014346 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Address | 6561 IRVINE CENTER DR, IRVINE, CA 92618 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | May 1, 2049 |
| Document Type | Deed |
|---|---|
| Jurisdiction | BERKS PA |
| Recording Date | Apr 6, 2026 |
| Property Address | 1246 LUZERNE ST, READING, PA 19601-1739 |
| Document Number | 0000010142 |
| Instrument Date | Apr 2, 2026 |
| Instrument | 202610142 |
| Transaction Type | Transfer |
| Record Updated | Apr 16, 2026 |
| Title Company | STEWART TITLE |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $176,750.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1246 LUZERNE ST, READING, PA 19601-1739 |
| Document Number | 0000010143, |
|---|---|
| Date | Apr 6, 2026 |
| Instrument | 202610143 |
| Name | CROSSCOUNTRY MORTGAGE |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate | 6.01% |
|---|---|
| Max Rate | -1% |
| Document Number | 0000010144, |
|---|---|
| Date | Apr 6, 2026 |
| Instrument | 202610144 |
| Name | PENNSYLVANIA HSNG FINANCE AGENCY |
|---|
| Amount | Amount on Record |
|---|
| Rate | 6.01% |
|---|---|
| Max Rate | -1% |
The 2026 property tax bill for 1246 Luzerne St was $1,024, up 4% from the year before.
Source: Berks County assessment roll, as of May 27, 2026
| Type | Name |
|---|---|
| State | Pennsylvania |
| County | Berks County |
| Municipality | Reading City |
| Unified School District | Reading School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,024.00 (+3.96%) | $36,300 (-) Land $14,000 Building $22,300 | $14,000 (-) Land $14,000 |
| 2025 | $985.00 (+2.5%) Homeowner's exemption | $36,300 (-) Land $14,000 Building $22,300 | $14,000 Land $14,000 |
| 2024 | $961.00 | $36,300 Land $14,000 Building $22,300 | |
| 1994 | $36,300 Land $14,000 Building $22,300 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 1246 Luzerne St 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.
The area around 1246 Luzerne St 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 336 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 |
| Starlink Satellite | 280 / 30 |
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