346 Spring Garden St, Reading, PA 19602 Property Records

Berks County property record for 346 Spring Garden St, Reading, PA 19602

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 785 sqft · built 1900
Lot Size	0.03 acres (1,307 sqft)
Owner	Individual Name on File
Last Sale	$105,000 (Oct 2023)
Tax Bill	$338 (2026)
Deeds & Mortgages	Oct 2023 Second Mortgage Oct 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`5306-36-98-6393`

Property Details

APN / Parcel Number

Primary APN	`5306-36-98-6393`
Alternative APNs	`02-5306-36-98-6393` `2644475` `644475`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	785 sqft Living Area
1st Floor Area	785 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Wood
Construction Type	Frame
Lot Area	1,307 sqft (0.03 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	2644475
Street Address	346 SPRING GARDEN ST
City	READING
State	PA
Zip	19602-1910
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	86
Jurisdiction	BERKS PA
Township / Civil Division	READING
Census Block Group	2
Census Block	2007
Census Tract	2200

Owner

346 Spring Garden St is owned and occupied by an individual who bought it in October 2023.

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

Owner of Record	Individual Name on File
Mailing Address	346 SPRING GARDEN ST, READING, PA 19602-1910
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 17, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage NEIGHBORHOOD HOUSING SERVICES OF GREATER
Oct 17, 2023	Deed, Transfer · FHA Mortgage PLAZA HOME MORTGAGE INC
Jun 30, 2021	Deed, Transfer CONESTOGA TITLE COMPANY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 17, 2023 · Amount on File
Deed Sale	Oct 17, 2023 · Amount on File
Prior Sale	Jun 30, 2021 · Amount on File
Deed Document Number	202330801
Record Updated	Oct 29, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERKS PA
Property Address	346 SPRING GARDEN ST, READING, PA 19602-1910
Transaction Type	Mortgage
Record Updated	Oct 31, 2023
Title Company	KEYSTONE TITLE SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000030804
Date	Oct 17, 2023
Instrument	2023030804

Lender

Name	NEIGHBORHOOD HOUSING SERVICES OF GREATER
Type	Government Agency
Address	READING, PA 19601

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record

October 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	BERKS PA
Recording Date	Oct 17, 2023
Property Address	346 SPRING GARDEN ST, READING, PA 19602-1910
Document Number	0000030801
Instrument Date	Oct 11, 2023
Instrument	2023030801
Transaction Type	Transfer
Record Updated	Oct 31, 2023
Title Company	KEYSTONE TITLE SERVICES

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,050.00
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 SPRING GARDEN ST, READING, PA 19602-1910

Mortgage

Document Number	0000030802
Date	Oct 17, 2023
Instrument	2023030802

Lender

Name	PLAZA HOME MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2053

Mortgage

Document Number	0000030803
Date	Oct 17, 2023
Instrument	2023030803

Lender

Name	NEIGHBORHOOD HOUSING SERVICES OF GREATER
Type	Government Agency
Address	READING, PA 19601

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	85 Months
Due	Nov 1, 2030

June 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	BERKS PA
Recording Date	Jun 30, 2021
Property Address	346 SPRING GARDEN ST, READING, PA 19602-1910
Document Number	0000032885
Instrument Date	Jun 29, 2021
Instrument	2021032885
Transaction Type	Transfer
Record Updated	Dec 12, 2022
Title Company	CONESTOGA TITLE COMPANY

Transaction

Amount	Amount on Record
Tax	$52.69
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	135 S 11TH ST, READING, PA 19602-1207

Tax Assessment & Valuation

The 2026 property tax bill for 346 Spring Garden St was $338.

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	$338.00	$12,000 Land $6,600 Building $5,400	$6,600 Land $6,600
2024	$317.00 (-39.5%)	$12,000 (-) Land $6,600 Building $5,400
2023	$524.00	$12,000 Land $6,600 Building $5,400
1994			$12,000 Land $6,600 Building $5,400

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 346 Spring Garden St in Zone X, an area of minimal flood risk, though there have been 4 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 Claims	4 (1978–1987)
Claims Outside the SFHA	1 of 4
Most Recent Claim	Sep 1987 · tidal / storm surge

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 346 Spring Garden 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

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 1,875 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: AT&T, Greenlight Networks, T-Mobile, Verizon.

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