3128 Oak St, Reading, PA 19605 Property Records

Berks County property record for 3128 Oak St, Reading, PA 19605

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 932 sqft · built 1950
Lot Size	0.17 acres (7,405 sqft)
Owner	2 Individual Names on File
Last Sale	$236,900 (Sep 2026)
Tax Bill	$1,040 (2026)
Deeds & Mortgages	Sep 2026 Sale & Mortgage Jan 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`5318-06-39-5675`

Property Details

APN / Parcel Number

Primary APN	`5318-06-39-5675`
Alternative APNs	`57-5318-06-39-5675` `121600`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	932 sqft Living Area
1st Floor Area	932 sqft

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Exterior Material	Composition
Lot Area	7,405 sqft (0.17 acres)
View / Lot	Neighborhood
Porch	Slab
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Hot Water
Heating Fuel	Oil
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	3128 OAK ST
City	READING
State	PA
Zip	19605-2255
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	39
Jurisdiction	BERKS PA
Township / Civil Division	LAURELDALE
Census Block Group	2
Census Block	2004
Census Tract	12800

Owner

3128 Oak St is owned and occupied by two individuals who bought it in September 2026.

Source: Berks County records, as of October 13, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3128 OAK ST, READING, PA 19605-2255
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Sep 17, 2026	Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE
Jan 26, 2023	Deed, Transfer · Conventional Mortgage MCLEAN MORTGAGE CORP
Aug 31, 2022	Deed, Transfer · Line of Credit LANCASTER REALTY CAPITAL LP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 17, 2026 · Amount on File
Deed Sale	Sep 17, 2026 · Amount on File
Prior Sale	Jan 26, 2023 · Amount on File
Deed Document Number	202631200
Prior Transfer Date	May 16, 1997
Prior Transfer Doc	2831001388
Record Updated	Oct 29, 2026

September 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	BERKS PA
Recording Date	Sep 17, 2026
Property Address	3128 OAK ST, READING, PA 19605-2255
Document Number	0000031200
Instrument Date	Aug 21, 2026
Instrument	202631200
Transaction Type	Transfer
Record Updated	Oct 6, 2026
Title Company	KCT ABSTRACT LLC, KP ABSTRACT LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$239,269.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	3128 OAK ST, READING, PA 19605-2255

Mortgage

Document Number	0000031201,
Date	Sep 17, 2026
Instrument	202631201

Lender

Name	CROSSCOUNTRY MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

January 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	BERKS PA
Recording Date	Jan 26, 2023
Property Address	3128 OAK ST, READING, PA 19605-2255
Document Number	0000002480
Map Reference	VOL 7 PG 12
Instrument Date	Jan 19, 2023
Instrument	2023002480
Transaction Type	Transfer
Record Updated	May 30, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,880.00
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	3128 OAK ST, READING, PA 19605-2255

Mortgage

Document Number	0000002481
Date	Jan 26, 2023
Instrument	2023002481

Lender

Name	MCLEAN MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2053

August 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	BERKS PA
Recording Date	Aug 31, 2022
Property Address	3128 OAK ST, READING, PA 19605-2255
Document Number	0000035126
Map Reference	VOL 7 PG 12
Instrument Date	Aug 31, 2022
Instrument	2022035126
Transaction Type	Transfer
Record Updated	May 30, 2023

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$850.00
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 by the Entirety
Address	1767 MAIN ST, MOHRSVILLE, PA 19541-8788

Mortgage

Document Number	0000035127
Date	Aug 31, 2022
Instrument	2022035127

Lender

Name	LANCASTER REALTY CAPITAL LP
Type	Non-Lending Institution
Address	LANCASTER, PA 17601

Agreement

Type	Line of Credit
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 3128 Oak St was $1,040.

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

Property Jurisdictions

Type	Name
State	Pennsylvania
County	Berks County
Municipality	Laureldale Borough
Unified School District	Muhlenberg School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,040.00	$63,800 Land $32,900 Building $30,900	$32,900 Land $32,900
2024	$966.00	$63,800 Land $32,900 Building $30,900
1994			$63,800 Land $32,900 Building $30,900

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

Flood

FEMA maps place 3128 Oak St in Zone X, an area of minimal flood risk.

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

Wildfire risk around 3128 Oak St 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	MUHLENBERG TWP MUNI AUTH serves 22,400 people · EPA ID PA3060038
Water Source	Groundwater
Last State Inspection	Jun 2023
Lead	1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Coliform assessment Aug 2020
Monitoring and Reporting	26 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 171 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Greenlight Networks Fiber	10,000 / 10,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

Nearby Properties on Oak St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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