35 Saddle Ct, Reading, PA 19608 Property Records

Berks County property record for 35 Saddle Ct, Reading, PA 19608

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,452 sqft · built 1988
Lot Size	0.92 acres (40,075 sqft)
Owner	2 Individual Names on Record
Last Sale	$294,000 (Dec 2017)
Tax Bill	$3,142 (2026)
Deeds & Mortgages	Sep 2021 Mortgage Feb 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`4385-18-32-1258`

Property Details

APN / Parcel Number

Primary APN	`4385-18-32-1258`
Alternative APNs	`80-4385-18-32-1258` `80531981` `531981`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,452 sqft Living Area
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Exterior Material	Aluminum/Vinyl
Lot Area	40,075 sqft (0.92 acres)
View / Lot	Neighborhood
Garage Type	Attached
Porch	Open Frame Porch

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	80531981
Street Address	35 SADDLE CT
City	READING
State	PA
Zip	19608-9512
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	SHILOB HILLS
Legal Block	32
Legal Lot Number	53
Jurisdiction	BERKS PA
Township / Civil Division	SPRING
Census Block Group	1
Census Block	1017
Census Tract	10804

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	2 Individual Names on Record
Mailing Address	35 SADDLE CT, READING, PA 19608-9512
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 24, 2021	Deed of Trust, Mortgage · Conventional Mortgage MICHIGAN MUTUAL INC
Feb 5, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIRST GUARANTY MORTGAGE CORP
Mar 23, 2020	Deed of Trust, Mortgage · Conventional with PMI KEYSTONE FNDG
Dec 7, 2017	Deed, Transfer · Conventional Mortgage FULTON BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 7, 2017 · Amount on Record
Deed Sale	Dec 7, 2017 · Amount on Record
Prior Sale	Dec 28, 1987
Deed Document Number	201745442
Record Updated	Sep 20, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERKS PA
Property Address	35 SADDLE CT, SINKING SPRING, PA 19608-9512
Transaction Type	Mortgage
Record Updated	Oct 5, 2021
Title Company	EDGE ABSTRACT

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000048061
Date	Sep 24, 2021
Instrument	2021048061

Lender

Name	MICHIGAN MUTUAL INC
Type	Mortgage Company
Address	PORT HURON, MI 48060

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Oct 1, 2036

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERKS PA
Property Address	35 SADDLE CT, SINKING SPRING, PA 19608-9512
Transaction Type	Mortgage
Record Updated	Feb 24, 2021
Title Company	SIGNATURE ABSTRACT

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000005322
Date	Feb 5, 2021
Instrument	2021005322

Lender

Name	FIRST GUARANTY MORTGAGE CORP
Type	Mortgage Company
Address	PLANO, TX 75024

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Feb 1, 2036

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERKS PA
Property Address	35 SADDLE CT, SINKING SPRING, PA 19608-9512
Document Number	0000010937
Instrument Date	Mar 23, 2020
Transaction Type	Mortgage
Record Updated	May 28, 2020
Title Company	SIGNATURE ABSTRACT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	35 SADDLE CT SINKING SPRING PA 196089512, SINKING SPRING, PA 19608-9512

Mortgage

Document Number	0000010937
Date	Mar 31, 2020
Instrument	10937

Lender

Name	KEYSTONE FNDG
Type	Funding / Finance Company
Address	DOVER, DE 19901

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	240 Months
Due	Mar 30, 2040

December 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	BERKS PA
Recording Date	Dec 7, 2017
Property Address	35 SADDLE CT, SINKING SPRING, PA 19608-9512
Document Number	0000045442
Instrument Date	Dec 1, 2017
Instrument	2017045442
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	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	35 SADDLE CT, SINKING SPRING, PA 19608-9512

Mortgage

Document Number	0000045443
Date	Dec 7, 2017
Instrument	2017045443

Lender

Name	FULTON BANK
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Pennsylvania
County	Berks County
County Subdivision	Spring Township
Unified School District	Wilson School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,142.00 (+1.03%)	$178,200 (-) Land $45,900 Building $132,300	$45,900 (-) Land $45,900
2025	$3,110.00 (+10.75%)	$178,200 (-) Land $45,900 Building $132,300	$45,900 (-74.24%) Land $45,900
2024	$2,808.00	$178,200 Land $45,900 Building $132,300
1994			$178,200 Land $45,900 Building $132,300

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 · 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	2 in force

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

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	Direct burnable vegetation

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	PAW PENN DISTRICT private · serves 28,508 people · EPA ID PA3060069
Water Source	Groundwater
Last State Inspection	Jun 2025
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 76 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 Fixed Wireless	100 / 20

May also be available: Service Electric Cable TV.

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