3909 River Rd, Reading, PA 19605 Property Records

Berks County property record for 3909 River Rd, Reading, PA 19605

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,890 sqft · built 1907
Lot Size	0.41 acres (17,860 sqft)
Owner	2 Individual Names on Record
Last Sale	$408,000 (Feb 2024)
Tax Bill	$1,505 (2026)
Deeds & Mortgages	Feb 2024 Sale & Mortgage Sep 2023 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`4399-20-70-6020`

Property Details

APN / Parcel Number

Primary APN	`4399-20-70-6020`
Alternative APNs	`66-4399-20-70-6020` `131700`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,890 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1907
Effective Year Built	Effective 1907
Exterior Material	Stucco
Lot Area	17,860 sqft (0.41 acres)
Terrain	Above Road/Slope
View / Lot	Neighborhood
Garage Type	Detached
Garage Area	342 sqft
Parking Spaces	1 Parking Space
Porch	Open Frame Porch

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	3909 RIVER RD
City	READING
State	PA
Zip	19605-1346
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	70
Legal Lot Number	4
Jurisdiction	BERKS PA
Township / Civil Division	MUHLENBERG
Census Block Group	3
Census Block	3010
Census Tract	12701

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	3909 RIVER RD, READING, PA 19605-1346
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Feb 22, 2024	Deed, Transfer · Conventional Mortgage PENNSYLVANIA STATE EMPLOYEES CU
Sep 13, 2023	Deed of Trust, Mortgage · Stand-Alone First Mortgage GARY MENHEL JR
Jul 13, 2023	Deed, Transfer
Oct 27, 2022	Deed, Transfer FIRST AMERICAN TITLE, FIRST AMER ABSTRACT WYOMISSI

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 22, 2024 · Amount on Record
Deed Sale	Feb 22, 2024 · Amount on Record
Prior Sale	Jul 13, 2023 · Amount on Record
Deed Document Number	20245076
Record Updated	Sep 20, 2026

February 2024: Deed, Transfer

Document Type	Deed
Jurisdiction	BERKS PA
Recording Date	Feb 22, 2024
Property Address	3909 RIVER RD, READING, PA 19605-1346
Document Number	0000005076
Map Reference	MB 4 PG 15
Instrument Date	Feb 15, 2024
Instrument	2024005076
Transaction Type	Transfer
Record Updated	Mar 12, 2024
Title Company	WYOMISSING ABSTRACT LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,080.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3909 RIVER RD, READING, PA 19605-1346

Mortgage

Document Number	0000005077
Date	Feb 22, 2024
Instrument	2024005077

Lender

Name	PENNSYLVANIA STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2054

Interest

Rate Type	Adjustable Rate
Rate	6%
Type Change Date	Mar 1, 2031
Change Frequency	Annually
Min Rate At Change	5%
Max Rate At Change	7%
Index	1-Year T-Bill
Max Rate	11%

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERKS PA
Property Address	3909 RIVER RD, READING, PA 19605-1346
Transaction Type	Mortgage
Record Updated	Sep 28, 2023
Title Company	HOMESALE SETTLEMENT SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3226 W PHILADELPHIA AVE, OLEY, PA 19547-8614

Mortgage

Document Number	0000027261
Date	Sep 13, 2023
Instrument	2023027261

Lender

Name	GARY MENHEL JR
Type	Private Party

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

July 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	BERKS PA
Recording Date	Jul 13, 2023
Property Address	3909 RIVER RD, READING, PA 19605-1346
Document Number	0000020418
Instrument Date	May 25, 2023
Instrument	2023020418
Transaction Type	Transfer
Record Updated	Jul 28, 2023

Transaction

Amount	Amount Recorded
Tax	$950.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3909 RIVER RD, READING, PA 19605-1346

October 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	BERKS PA
Recording Date	Oct 27, 2022
Property Address	3909 RIVER RD, READING, PA 19605-1346
Document Number	0000042367
Map Reference	MB 4 PG 15
Instrument Date	Oct 27, 2022
Instrument	2022042367
Transaction Type	Transfer
Record Updated	Nov 10, 2022
Title Company	FIRST AMERICAN TITLE, FIRST AMER ABSTRACT WYOMISSI

Transaction

Amount	Amount Recorded
Tax	$200.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	781 TEMPLE RD, POTTSTOWN, PA 19465-7352

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,505.00 (+9.14%)	$100,300 (+2.14%) Land $44,200 Building $56,100	$44,200 (-54.99%) Land $44,200
2024	$1,379.00 (-68.92%)	$98,200 (-) Land $44,200 Building $54,000
2023	$4,437.00 Homeowner's exemption	$98,200 Land $44,200 Building $54,000
1994			$98,200 Land $44,200 Building $54,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
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 99.1% of the US · lower than 99.4% of Pennsylvania
Wildfire Likelihood	Under 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 221 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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