3531 Ridgeway St, Laureldale (Reading), PA 19605 Property Records

Berks County property record for 3531 Ridgeway St, Laureldale, PA 19605

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,120 sqft · built 1928
Lot Size	0.06 acres (2,614 sqft)
Owner	Individual Name on File
Last Sale	$102,000 (Apr 2006)
Tax Bill	$1,042 (2026)
Deeds & Mortgages	Sep 2026 Mortgage Aug 2023 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`5319-17-00-4690`

Property Details

APN / Parcel Number

Primary APN	`5319-17-00-4690`
Alternative APNs	`57-5319-17-00-4690` `57143300` `143300`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,120 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1928
Effective Year Built	Effective 1928
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Lot Area	2,614 sqft (0.06 acres)
View / Lot	Neighborhood
Porch	Open Frame Porch

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	57143300
Street Address	3531 RIDGEWAY ST
City	READING
State	PA
Zip	19605-1845
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	ROSEDALE ADD
Legal Lot Number	33
Jurisdiction	BERKS PA
Township / Civil Division	LAURELDALE
Census Block Group	3
Census Block	3007
Census Tract	12800

Owner

3531 Ridgeway St is owned and occupied by an individual who bought it in April 2006.

Source: Berks County records, as of October 6, 2026

Owner of Record	Individual Name on File
Mailing Address	3531 RIDGEWAY ST, READING, PA 19605-1845
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
Sep 16, 2026	Deed of Trust, Mortgage · FHA Mortgage NONE LISTED ON DOCUMENT
Aug 25, 2023	Deed of Trust, Mortgage · FHA Mortgage PENNSYLVANIA HOUSING FINANCE AGENCY
Dec 11, 2017	Loan Modification, Mortgage · Conventional with PMI HOUSING FIN AGCY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 3, 2006 · Amount on File
Deed Sale	Apr 3, 2006 · Amount on File
Deed Document Number	200631811
Deed Book / Page	4840 / 471
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERKS PA
Recording Date	Sep 16, 2026
Property Address	3531 RIDGEWAY ST, READING, PA 19605-1845
Document Number	0000031169
Instrument Date	Aug 5, 2026
Instrument	202631169
Transaction Type	Mortgage
Record Updated	Oct 6, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3531 RIDGEWAY ST, READING, PA 19605-1845

Mortgage

Document Number	0000031169,
Date	Sep 16, 2026
Instrument	202631169

Lender

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months

Interest

Max Rate	-1%

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERKS PA
Property Address	3531 RIDGEWAY ST, LAURELDALE, PA 19605-1845
Transaction Type	Mortgage
Record Updated	Sep 11, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3531 RIDGEWAY ST, LAURELDALE, PA 19605-1845

Mortgage

Document Number	0000025350
Date	Aug 25, 2023
Instrument	2023025350

Lender

Name	PENNSYLVANIA HOUSING FINANCE AGENCY
Type	Government Agency
Address	HARRISBURG, PA 17105

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	292 Months
Due	Dec 1, 2047

December 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	BERKS PA
Property Address	3531 RIDGEWAY ST, LAURELDALE, PA 19605-1845
Document Number	0000000703
Instrument Date	Dec 11, 2017
Transaction Type	Mortgage
Record Updated	Aug 29, 2018
Title Company	LIBERTY BELL AGENCY INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3531 RIDGEWAY ST LAURELDALE PA 196051845, LAURELDALE, PA 19605-1845

Mortgage

Document Number	0000000703
Date	Jan 5, 2018
Instrument	703

Lender

Name	HOUSING FIN AGCY
Address	HARRISBURG, PA 17105-5057

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jan 4, 2048

Interest

Rate	2.75%

Tax Assessment & Valuation

The 2026 property tax bill for 3531 Ridgeway St was $1,042 with a homeowner's exemption.

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	$1,042.00 Homeowner's exemption	$63,900 Land $22,400 Building $41,500	$22,400 Land $22,400
2024	$967.00	$63,900 Land $22,400 Building $41,500
1994			$63,900 Land $22,400 Building $41,500

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

Flood

FEMA maps place 3531 Ridgeway St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1979.

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	1 (1979)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jan 1979 · 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 3531 Ridgeway 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	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 615 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: Astound Broadband.

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