128 Gerald Ave, Reading, PA 19607 Property Records

Berks County property record for 128 Gerald Ave, Reading, PA 19607

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,596 sqft · built 1970
Lot Size	0.19 acres (8,276 sqft)
Owner	Individual Name on Record
Last Sale	$215,000 (Dec 2018)
Tax Bill	$1,980 (2026)
Deeds & Mortgages	Jun 2021 Mortgage Dec 2018 Sale & Second Mortgage
Flood Zone	Zone X (minimal risk)
APN	`4385-12-97-2040`

Property Details

APN / Parcel Number

Primary APN	`4385-12-97-2040`
Alternative APNs	`39-4385-12-97-2040` `39084557` `084557`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,596 sqft Living Area
Basement Area	180 sqft
Game Room	Game Room

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Exterior Material	Aluminum/Vinyl
Lot Area	8,276 sqft (0.19 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	Oil
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	39084557
Street Address	128 GERALD AVE
City	READING
State	PA
Zip	19607-2314
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	ROLLING HILLS SEC 01
Legal Block	97
Legal Lot Number	5& 6
Jurisdiction	BERKS PA
Township / Civil Division	CUMRU
Census Block Group	1
Census Block	1053
Census Tract	11602

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	128 GERALD AVE, READING, PA 19607-2314
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 2, 2021	Deed of Trust, Mortgage · FHA Mortgage FINANCE OF AMERICA MORTGAGE LLC
Dec 20, 2018	Deed, Transfer · Stand-Alone Second Mortgage FINANCE OF AMERICA MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 20, 2018 · Amount on Record
Deed Sale	Dec 20, 2018 · Amount on Record
Prior Sale	Aug 11, 2003 · Amount on Record
Deed Document Number	201843740
Record Updated	Oct 29, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERKS PA
Property Address	128 GERALD AVE, READING, PA 19607-2314
Transaction Type	Mortgage
Record Updated	Sep 20, 2021
Title Company	FIRST UNITED LAND TRANSFER INC, FIRST UNITED LAND TRANSFER I

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000027364
Date	Jun 2, 2021
Instrument	2021027364

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company
Address	HORSHAM, PA 19044

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2051

December 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	BERKS PA
Recording Date	Dec 20, 2018
Property Address	128 GERALD AVE, READING, PA 19607-2314
Document Number	0000043740
Map Reference	MB 14 PG 1
Instrument Date	Dec 18, 2018
Instrument	2018043740
Transaction Type	Transfer
Record Updated	Sep 20, 2021
Title Company	REGAL ABSTRACT L P

Transaction

Amount	Amount Recorded
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	128 GERALD AVE, READING, PA 19607-2314

Mortgage

Document Number	0000043742
Date	Dec 20, 2018
Instrument	2018043742

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2049

Mortgage

Document Number	0000043741
Date	Dec 20, 2018
Instrument	2018043741

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company
Address	HORSHAM, PA 19044

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2049

Tax Assessment & Valuation

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	$1,980.00 (+24.84%)	$99,700 (-) Land $30,800 Building $68,900	$30,800 (-69.11%) Land $30,800
2024	$1,586.00	$99,700 Land $30,800 Building $68,900
1994			$99,700 Land $30,800 Building $68,900

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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

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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