1645 Cedar Top Rd, Reading, PA 19607 Property Records

Berks County property record for 1645 Cedar Top Rd, Reading, PA 19607

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 2,204 sqft · built 2022
Lot Size	0.69 acres (30,056 sqft)
Owner	Individual Name on File
Last Sale	$78,000 (Oct 2018)
Tax Bill	$3,889 (2026)
Deeds & Mortgages	Mar 2021 Construction Loan Oct 2018 Sale
Flood Zone	Zone X (minimal risk)
APN	`4395-20-72-8123`

Property Details

APN / Parcel Number

Primary APN	`4395-20-72-8123`
Alternative APNs	`39-4395-20-72-8123` `39000547` `000547`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,204 sqft Living Area
1st Floor Area	2,204 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Exterior Material	Aluminum/Vinyl
Lot Area	30,056 sqft (0.69 acres)
View / Lot	Neighborhood
Garage Type	Attached

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	39000547
Street Address	1645 CEDAR TOP RD
City	READING
State	PA
Zip	19607-9319
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	WOODSIDE ESTATES SUBDIVISION
Legal Block	72
Legal Lot Number	5
Jurisdiction	BERKS PA
Township / Civil Division	CUMRU
Census Block Group	3
Census Block	3001
Census Tract	11601

Owner

1645 Cedar Top Rd is owned and occupied by an individual who bought it in October 2018.

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

Owner of Record	Individual Name on File
Mailing Address	1645 CEDAR TOP RD, READING, PA 19607-9319
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.

Deeds, Mortgages & Sale History

Date	Document
Mar 3, 2021	Deed of Trust, Mortgage · Construction Mortgage FULTON BANK NA
Oct 10, 2018	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 10, 2018 · Amount on File
Deed Sale	Oct 10, 2018 · Amount on File
Deed Document Number	201835248
Record Updated	Sep 20, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERKS PA
Property Address	1645 CEDAR TOP RD, READING, PA 19607-9319
Transaction Type	Mortgage
Record Updated	May 30, 2023
Title Company	SIGNATURE ABSTRACT

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000009158
Date	Mar 3, 2021
Instrument	2021009158

Lender

Name	FULTON BANK NA
Type	Bank
Address	LANCASTER, PA 17602

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	366 Months
Due	Sep 1, 2051

October 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	BERKS PA
Recording Date	Oct 10, 2018
Property Address	1645 CEDAR TOP RD, READING, PA 19607-9319
Document Number	0000035248
Instrument Date	Oct 3, 2018
Instrument	35248
Transaction Type	Transfer
Record Updated	Oct 24, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	141 E ELM ST SHILLINGTON PA 196072607, SHILLINGTON, PA 19607-2607

Tax Assessment & Valuation

The 2026 property tax bill for 1645 Cedar Top Rd was $3,889 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	$3,889.00 Homeowner's exemption	$195,800 Land $39,400 Building $156,400	$39,400 Land $39,400
2024	$3,115.00	$195,800 Land $39,400 Building $156,400
1994			$195,800 Land $39,400 Building $156,400

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

Flood

FEMA maps place 1645 Cedar Top Rd in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1982.

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	4 in force
Nearby Flood Claims	3 (1982–2023)
Claims Outside the SFHA	2 of 3
Most Recent Claim	Jul 2023 · 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 1645 Cedar Top Rd 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
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 70 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

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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