220 Emerald Ave, Reading, PA 19606 Property Records

Berks County property record for 220 Emerald Ave, Reading, PA 19606

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,953 sqft · built 1966
Lot Size	0.19 acres (8,276 sqft)
Owner	2 Individual Names on File
Tax Bill	$1,603 (2026)
Deeds & Mortgages	Oct 2021 Line of Credit Dec 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`5327-18-20-7439`

Property Details

APN / Parcel Number

Primary APN	`5327-18-20-7439`
Alternative APNs	`43-5327-18-20-7439` `43010519` `010519`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,953 sqft Living Area
1st Floor Area	1,697 sqft
Basement Area	256 sqft
Finished Basement	256 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1966
Effective Year Built	Effective 1966
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Foundation Type	No Foundation
Lot Area	8,276 sqft (0.19 acres)
View / Lot	Neighborhood
Porch	Open Frame Porch

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	43010519
Street Address	220 EMERALD AVE
City	READING
State	PA
Zip	19606-1450
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	PENNSIDE ADD 02
Legal Block	20
Jurisdiction	BERKS PA
Township / Civil Division	EXETER
Census Block Group	1
Census Block	1024
Census Tract	12104

Owner

220 Emerald Ave is owned and occupied by two individuals who acquired it in February 1989.

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

Owner of Record	2 Individual Names on File
Mailing Address	220 EMERALD AVE, READING, PA 19606-1450
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
Oct 20, 2021	Deed of Trust, Mortgage · Line of Credit MEMBERS 1ST FCU
Dec 23, 2019	Deed of Trust, Mortgage · Conventional Mortgage FULTON BANK NA
Feb 12, 2019	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 26, 1989
Deed Sale	Feb 26, 1989
Deed Book / Page	1755 / 487
Record Updated	Sep 20, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERKS PA
Property Address	220 EMERALD AVE, READING, PA 19606-1450
Transaction Type	Mortgage
Record Updated	Oct 29, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	220 EMERALD AVE, READING, PA 19606-1450

Mortgage

Document Number	0000052226
Date	Oct 20, 2021
Instrument	2021052226

Lender

Name	MEMBERS 1ST FCU
Type	Credit Union
Address	MECHANICSBURG, PA 17055

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Oct 14, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERKS PA
Property Address	220 EMERALD AVE, READING, PA 19606-1450
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	EDGE ABSTRACT

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000045030
Date	Dec 23, 2019
Instrument	2019045030

Lender

Name	FULTON BANK NA
Type	Bank
Address	LANCASTER, PA 17602

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jan 1, 2035

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERKS PA
Property Address	220 EMERALD AVE, READING, PA 19606-1450
Document Number	0000004937
Instrument Date	Feb 12, 2019
Transaction Type	Mortgage
Record Updated	Mar 1, 2019
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	220 EMERALD AVE READING PA 196061450, READING, PA 19606-1450

Mortgage

Document Number	0000004937
Date	Feb 19, 2019
Instrument	4937

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Feb 18, 2034

Tax Assessment & Valuation

The 2026 property tax bill for 220 Emerald Ave was $1,603 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	Exeter Township
Unified School District	Exeter Township School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,603.00 Homeowner's exemption	$102,200 Land $29,600 Building $72,600	$29,600 Land $29,600
2024	$1,491.00	$102,200 Land $29,600 Building $72,600
1994			$102,200 Land $29,600 Building $72,600

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

Flood

FEMA maps place 220 Emerald 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 AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 23 policies
Nearby Flood Policies	23 in force
Nearby Flood Claims	31 (1978–2023)
Claims Outside the SFHA	13 of 31
Most Recent Claim	Aug 2023 · rainfall accumulation
Claims by Event	Tropical Storm Allison, Jun 2001 · 2 claims Hurricane Floyd Major Disaster Declarations, Sep 1999 · 3 claims

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 220 Emerald 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	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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	MT PENN BORO MUNI AUTH serves 10,400 people · EPA ID PA3060082
Water Source	Groundwater
Last State Inspection	Apr 2024
Lead	3 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 234 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: Service Electric Cable TV.

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