2540 Cumberland Ave, Reading, PA 19606 Property Records

Berks County property record for 2540 Cumberland Ave, Reading, PA 19606

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,474 sqft · built 1925
Lot Size	0.09 acres (3,920 sqft)
Owner	2 Individual Names on File
Last Sale	$197,600 (Sep 2021)
Tax Bill	$2,670 (2026)
Deeds & Mortgages	Dec 2022 Mortgage Sep 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`5316-08-98-5047`

Property Details

APN / Parcel Number

Primary APN	`5316-08-98-5047`
Alternative APNs	`64-5316-08-98-5047` `64031300` `031300`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,474 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1925
Exterior Material	Brick/Stone
Construction Type	Frame
Lot Area	3,920 sqft (0.09 acres)
View / Lot	Neighborhood
Garage Type	Detached
Garage Area	200 sqft
Parking Spaces	1 Parking Space
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	64031300
Street Address	2540 CUMBERLAND AVE
City	READING
State	PA
Zip	19606-2110
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	98
Legal Lot Number	62
Jurisdiction	BERKS PA
Township / Civil Division	MOUNT PENN
Census Block Group	1
Census Block	1019
Census Tract	12200

Owner

Source: Berks County assessment roll, 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	2 Individual Names on File
Mailing Address	2540 CUMBERLAND AVE, READING, PA 19606-2110
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 1, 2022	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Sep 3, 2021	Deed, Transfer · FHA Mortgage FINANCE OF AMERICA MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 3, 2021 · Amount on Record
Deed Sale	Sep 3, 2021 · Amount on Record
Prior Sale	Aug 22, 1963
Deed Document Number	202144462
Record Updated	Sep 20, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERKS PA
Property Address	2540 CUMBERLAND AVE, READING, PA 19606-2110
Transaction Type	Mortgage
Record Updated	Dec 14, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2540 CUMBERLAND AVE, READING, PA 19606-2110

Mortgage

Document Number	0000046155
Date	Dec 1, 2022
Instrument	2022046155

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	345 Months
Due	Sep 1, 2051

September 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	BERKS PA
Recording Date	Sep 3, 2021
Property Address	2540 CUMBERLAND AVE, READING, PA 19606-2110
Document Number	0000044462
Instrument Date	Aug 10, 2021
Instrument	2021044462
Transaction Type	Transfer
Record Updated	Sep 15, 2021
Title Company	SIGNATURE ABSTRACT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,976.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2540 CUMBERLAND AVE, READING, PA 19606-2110

Mortgage

Document Number	0000044463
Date	Sep 3, 2021
Instrument	2021044463

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company

Agreement

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

Tax Assessment & Valuation

Source: Berks County assessment roll, as of May 27, 2026

Property Jurisdictions

Type	Name
State	Pennsylvania
County	Berks County
Municipality	Mount Penn Borough
Unified School District	Antietam School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,670.00 (+12.75%)	$82,700 (-) Land $24,500 Building $58,200	$24,500 (-70.37%) Land $24,500
2024	$2,368.00	$82,700 Land $24,500 Building $58,200
1994			$82,700 Land $24,500 Building $58,200

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

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.

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

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 480 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 USA Fixed Wireless	100 / 20

May also be available: Service Electric Television.

Nearby Properties on Cumberland Ave

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures