321 S 4th St, Reading, PA 19602 Property Records

Berks County property record for 321 S 4th St, Reading, PA 19602

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,671 sqft · built 1900
Lot Size	0.05 acres (2,178 sqft)
Owner	Individual Name on File
Last Sale	$56,750 (May 2016)
Tax Bill	$906 (2026)
Deeds & Mortgages	Aug 2022 Line of Credit Sep 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`5306-34-78-3279`

Property Details

APN / Parcel Number

Primary APN	`5306-34-78-3279`
Alternative APNs	`01-5306-34-78-3279` `1071250` `071250`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,671 sqft Living Area

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Lot Area	2,178 sqft (0.05 acres)
View / Lot	Neighborhood
Garage Type	Detached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	1071250
Street Address	321 S 4TH ST
City	READING
State	PA
Zip	19602-2308
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	83
Jurisdiction	BERKS PA
Township / Civil Division	READING
Census Block Group	2
Census Block	2006
Census Tract	2500

Owner

321 S 4th St is owned and occupied by an individual who bought it in May 2016.

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

Owner of Record	Individual Name on File
Mailing Address	321 S 4TH ST, READING, PA 19602-2308
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
Aug 26, 2022	Deed of Trust, Mortgage · Line of Credit DIAMOND CU
Sep 22, 2021	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC
Jul 18, 2019	Deed of Trust, Mortgage · Line of Credit DIAMOND CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 19, 2016 · Amount on File
Deed Sale	May 19, 2016 · Amount on File
Prior Sale	Dec 15, 1997 · Amount on File
Deed Document Number	201616612
Prior Transfer Date	May 18, 2016
Prior Transfer Doc	0000016612
Record Updated	Oct 29, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERKS PA
Property Address	321 S 4TH ST, READING, PA 19602-2308
Transaction Type	Mortgage
Record Updated	Sep 5, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000034575
Date	Aug 26, 2022
Instrument	2022034575

Lender

Name	DIAMOND CU
Type	Credit Union
Address	POTTSTOWN, PA 19464

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	132 Months
Due	Aug 30, 2033

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERKS PA
Property Address	321 S 4TH ST, READING, PA 19602-2308
Transaction Type	Mortgage
Record Updated	Oct 1, 2021
Title Company	AMROCK INC, AMROCK LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000047518
Date	Sep 22, 2021
Instrument	2021047518

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	241 Months
Due	Oct 1, 2041

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERKS PA
Property Address	321 S 4TH ST, READING, PA 19602-2308
Document Number	0000025016
Instrument Date	Jul 18, 2019
Transaction Type	Mortgage
Record Updated	Aug 12, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	321 S 4TH ST READING PA 196022308, READING, PA 19602-2308

Mortgage

Document Number	0000025016
Date	Jul 30, 2019
Instrument	25016

Lender

Name	DIAMOND CU
Address	POTTSTOWN, PA 19464

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 321 S 4th St was $906.

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

Property Jurisdictions

Type	Name
State	Pennsylvania
County	Berks County
Municipality	Reading City
Unified School District	Reading School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$906.00	$32,100 Land $8,800 Building $23,300	$8,800 Land $8,800
2024	$849.00	$32,100 Land $8,800 Building $23,300
1994			$32,100 Land $8,800 Building $23,300

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

Flood

FEMA maps place 321 S 4th St in Zone X, an area of minimal flood risk, though there have been 12 flood claims nearby since 1978.

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	7 in force
Nearby Flood Claims	12 (1978–2006)
Claims Outside the SFHA	5 of 12
Most Recent Claim	Jun 2006 · Severe Storms, Flooding, And Mudslides
Claims by Event	Severe Storms, Flooding, And Mudslides, Jun 2006 · 4 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 321 S 4th 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	None beyond ember reach

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	READING AREA WATER AUTHORITY serves 95,100 people · EPA ID PA3060059
Water Source	Surface water
Last State Inspection	May 2025
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Treatment failure resolved · Apr 2025 E. coli resolved · Oct 2018
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 801 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: AT&T, T-Mobile.

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