1694 Cedar Top Rd, Reading, PA 19607 Property Records

Berks County property record for 1694 Cedar Top Rd, Reading, PA 19607

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,842 sqft · built 1971
Lot Size	2.55 acres (111,078 sqft)
Owner	2 Individual Names on File
Last Sale	$450,000 (Dec 2025)
Tax Bill	$2,683 (2026)
Deeds & Mortgages	Feb 2021 Line of Credit Nov 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`4395-20-71-6215`

Property Details

APN / Parcel Number

Primary APN	`4395-20-71-6215`
Alternative APNs	`39-4395-20-71-6215` `39038630` `038630`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,842 sqft Living Area
1st Floor Area	1,842 sqft
Basement Area	1,204 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1971
Exterior Material	Aluminum/Vinyl
Lot Area	111,078 sqft
View / Lot	Neighborhood
Garage Type	Attached
Porch	Open Frame Porch
Shed	1 Shed
Shed Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Electric
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	39038630
Street Address	1694 CEDAR TOP RD
City	READING
State	PA
Zip	19607-9318
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	71
Jurisdiction	BERKS PA
Township / Civil Division	CUMRU
Census Block Group	3
Census Block	3000
Census Tract	11601

Owner

1694 Cedar Top Rd is owned and occupied by two individuals who bought it in December 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	1694 CEDAR TOP RD, READING, PA 19607-9318
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants in Common

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
Feb 18, 2021	Deed of Trust, Mortgage · Line of Credit TRUIST BANK
Nov 16, 2021	Deed of Trust, Mortgage · Conventional Mortgage MORTGAGE AMERICA INC
Dec 23, 2025	Deed, Transfer · Conventional Mortgage TRUIST BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 23, 2025 · Amount on File
Deed Sale	Dec 23, 2025 · Amount on File
Prior Sale	Nov 19, 1970
Deed Document Number	202540436
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERKS PA
Property Address	1694 CEDAR TOP RD, READING, PA 19607-9318
Transaction Type	Mortgage
Record Updated	Jan 2, 2026
Title Company	DATA SEARCH INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1 694 CEDAR TOP RD, READING, PA 19607

Mortgage

Document Number	0000006971
Date	Feb 18, 2021
Instrument	2021006971

Lender

Name	TRUIST BANK
Type	Bank
Address	WINSTON SALEM, NC 27101

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	179 Months
Due	Jan 22, 2036

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERKS PA
Property Address	1694 CEDAR TOP RD, READING, PA 19607-9318
Transaction Type	Mortgage
Record Updated	Jan 2, 2026
Title Company	SIGNATURE ABSTRACT

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000057251
Date	Nov 16, 2021
Instrument	2021057251

Lender

Name	MORTGAGE AMERICA INC
Type	Mortgage Company
Address	WHITEHALL, PA 18052

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2051

December 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	BERKS PA
Recording Date	Dec 23, 2025
Property Address	1694 CEDAR TOP RD, READING, PA 19607-9318
Document Number	0000040436
Instrument Date	Dec 22, 2025
Instrument	2025040436
Transaction Type	Transfer
Record Updated	Jan 2, 2026
Title Company	REGAL ABSTRACT LP

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,500.00
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 in Common
Address	1694 CEDAR TOP RD, READING, PA 19607-9318

Mortgage

Document Number	0000040437
Date	Dec 23, 2025
Instrument	2025040437

Lender

Name	TRUIST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2056

Tax Assessment & Valuation

The 2026 property tax bill for 1694 Cedar Top Rd was $2,683, up 11.3% from the year before.

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	$2,683.00 (+11.28%)	$135,100 (-) Land $52,000 Building $83,100	$52,000 Land $52,000
2025	$2,411.00 (+12.19%)	$135,100 (-) Land $52,000 Building $83,100
2024	$2,149.00 Homeowner's exemption	$135,100 Land $52,000 Building $83,100
1994			$135,100 Land $52,000 Building $83,100

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 1694 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 1694 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	Direct burnable vegetation

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 58 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

Cell Coverage

5G (outdoors only) and 4G LTE

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