346 Locust St, Reading, PA 19604 Property Records

Berks County property record for 346 Locust St, Reading, PA 19604

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 650 sqft · built 1880
Lot Size	0.05 acres (2,178 sqft)
Owner	Individual Name on Record
Last Sale	$30,000 (Dec 2025)
Tax Bill	$821 (2026)
Deeds & Mortgages	Dec 2025 Sale Mar 2017 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`5317-70-12-3310`

Property Details

APN / Parcel Number

Primary APN	`5317-70-12-3310`
Alternative APNs	`09-5317-70-12-3310` `9460650` `460650`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	650 sqft Living Area

Exterior

Year Built	Built 1880
Effective Year Built	Effective 1880
Exterior Material	Aluminum/Vinyl
Lot Area	2,178 sqft (0.05 acres)
View / Lot	Neighborhood

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	9460650
Street Address	346 LOCUST ST
City	READING
State	PA
Zip	19604-2938
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	23
Jurisdiction	BERKS PA
Township / Civil Division	READING
Census Block Group	2
Census Block	2002
Census Tract	1600

Owner

Source: Berks County records, 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	Individual Name on Record
Mailing Address	1116 N 13TH ST, READING, PA 19604-2116
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 5, 2025	Deed, Transfer ABSTRACTING COMPANY/BERKS COUNTY, ABSTRACTING CO OF BERKS CNTY
Mar 31, 2017	Deed, Transfer · Conventional Mortgage SANTANDER BANK NA
Mar 20, 2017	Deed of Trust, Mortgage · Conventional Mortgage PENNSYLVANIA HM LNDG COLLABORA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 5, 2025 · Amount on Record
Deed Sale	Dec 5, 2025 · Amount on Record
Prior Sale	Mar 31, 2017 · Amount on Record
Deed Document Number	202538329
Record Updated	Oct 29, 2026

December 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	BERKS PA
Recording Date	Dec 5, 2025
Property Address	346 LOCUST ST, READING, PA 19604-2938
Document Number	0000038329
Instrument Date	Dec 5, 2025
Instrument	2025038329
Transaction Type	Transfer
Record Updated	Dec 18, 2025
Title Company	ABSTRACTING COMPANY/BERKS COUNTY, ABSTRACTING CO OF BERKS CNTY

Transaction

Amount	Amount Recorded
Tax	$300.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1116 N 13TH ST, READING, PA 19604-2116

March 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	BERKS PA
Recording Date	Mar 31, 2017
Property Address	346 LOCUST ST, READING, PA 19604-2938
Document Number	0000011409
Instrument Date	Mar 20, 2017
Instrument	2017011409
Transaction Type	Transfer
Record Updated	May 25, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	346 LOCUST ST, READING, PA 19604-2938

Mortgage

Document Number	0000011410
Date	Mar 31, 2017
Instrument	2017011410

Lender

Name	SANTANDER BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2047

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERKS PA
Property Address	346 LOCUST ST, READING, PA 19604-2938
Document Number	0000011411
Instrument Date	Mar 20, 2017
Transaction Type	Mortgage
Record Updated	Jan 9, 2019
Title Company	STEWART ABSTRACT AND TITLE, STEWART ABSTRACT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	346 LOCUST ST READING PA 196042938, READING, PA 19604-2938

Mortgage

Document Number	0000011411
Date	Mar 31, 2017
Instrument	11411

Lender

Name	PENNSYLVANIA HM LNDG COLLABORA
Address	213 N 5TH ST # 1030, READING, PA 19601-3392

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Mar 30, 2032

Tax Assessment & Valuation

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	$821.00 (+4.06%)	$29,100 (-) Land $14,000 Building $15,100	$14,000 (-51.89%) Land $14,000
2025	$789.00 (+2.47%)	$29,100 (-) Land $14,000 Building $15,100
2024	$770.00 Homeowner's exemption	$29,100 Land $14,000 Building $15,100
1994			$29,100 Land $14,000 Building $15,100

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

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

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 2,831 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

May also be available: Frontier, T-Mobile, Verizon.

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