4 Royal Ct, Reading, PA 19607 Property Records

Berks County property record for 4 Royal Ct, Reading, PA 19607

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,236 sqft · built 1993
Lot Size	1.4 acres (60,984 sqft)
Owner	Individual Name on Record
Last Sale	$599,900 (Jun 2026)
Tax Bill	$5,005 (2026)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Feb 2026 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`4395-20-81-3906`

Property Details

APN / Parcel Number

Primary APN	`4395-20-81-3906`
Alternative APNs	`39-4395-20-81-3906` `39203507` `203507`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	3,236 sqft Living Area
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Exterior Material	Brick/Stone
Construction Type	Frame
Lot Area	60,984 sqft
View / Lot	Neighborhood
Garage Type	Attached

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	39203507
Street Address	4 ROYAL CT
City	READING
State	PA
Zip	19607-9323
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	PAUMAR ESTATES
Legal Block	81
Legal Lot Number	8
Jurisdiction	BERKS PA
Township / Civil Division	CUMRU
Census Block Group	3
Census Block	3000
Census Tract	11601

Owner

Source: Berks County records, as of July 2, 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	4 ROYAL CT, READING, PA 19607-9323
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 22, 2026	Deed, Transfer · Conventional Mortgage FIDELIS MORTGAGE CORPORATION
Feb 2, 2026	Deed of Trust, Mortgage · Line of Credit WEST CAPITAL LENDING INC
Jan 4, 2022	Intrafamily Transfer, Transfer · Conventional Mortgage MORTGAGE AMERICA INC
Jun 30, 2021	Deed, Transfer · Conventional Mortgage MORTGAGE AMERICA INC
Mar 16, 2020	Deed of Trust, Mortgage · Line of Credit SANTANDER BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 22, 2026 · Amount on Record
Deed Sale	Jun 22, 2026 · Amount on Record
Prior Sale	Jun 30, 2021 · Amount on Record
Deed Document Number	202619581
Prior Transfer Date	Feb 20, 2025
Prior Transfer Doc	0000004921
Record Updated	Sep 20, 2026

June 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	BERKS PA
Recording Date	Jun 22, 2026
Property Address	4 ROYAL CT, READING, PA 19607-9323
Document Number	0000019581
Instrument Date	Jun 4, 2026
Instrument	202619581
Transaction Type	Transfer
Record Updated	Jul 2, 2026
Title Company	POWER SETTLEMENT GROUP LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$605,899.00
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	4 ROYAL CT, READING, PA 19607-9323

Mortgage

Document Number	0000019582,
Date	Jun 22, 2026
Instrument	202619582

Lender

Name	FIDELIS MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.37%
Initial Type	Fixed Rate
Max Rate	-1%

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERKS PA
Property Address	4 ROYAL CT, READING, PA 19607-9323
Transaction Type	Mortgage
Record Updated	Feb 20, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000003164
Date	Feb 2, 2026
Instrument	2026003164

Lender

Name	WEST CAPITAL LENDING INC
Type	Mortgage Company
Address	17911 VON KARMAN AVE STE 400, IRVINE, CA 92614

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Feb 1, 2046

Interest

Change Frequency	Monthly

January 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BERKS PA
Recording Date	Jan 4, 2022
Property Address	4 ROYAL CT, READING, PA 19607-9323
Document Number	0000000470
Map Reference	MB 190 PG 62
Instrument Date	Dec 27, 2021
Instrument	2022000470
Transaction Type	Transfer
Record Updated	Jan 17, 2022
Title Company	EDGE ABSTRACT

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4 ROYAL CT, READING, PA 19607-9323

Mortgage

Document Number	0000000471
Date	Jan 4, 2022
Instrument	2022000471

Lender

Name	MORTGAGE AMERICA INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2052

June 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	BERKS PA
Recording Date	Jun 30, 2021
Property Address	4 ROYAL CT, READING, PA 19607-9323
Document Number	0000032816
Map Reference	MB 190 PG 62
Instrument Date	Jun 30, 2021
Instrument	2021032816
Transaction Type	Transfer
Record Updated	Jul 12, 2021
Title Company	REGAL ABSTRACT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,350.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	4 ROYAL CT, READING, PA 19607-9323

Mortgage

Document Number	0000032817
Date	Jun 30, 2021
Instrument	2021032817

Lender

Name	MORTGAGE AMERICA INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERKS PA
Property Address	4 ROYAL CT, READING, PA 19607-9323
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000009381
Date	Mar 16, 2020
Instrument	2020009381

Lender

Name	SANTANDER BANK NA
Type	Bank
Address	READING, PA 19602

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Feb 27, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,005.00 (+11.3%)	$252,000 (-) Land $46,800 Building $205,200	$46,800 (-) Land $46,800
2025	$4,497.00 (+12.17%)	$252,000 (-) Land $46,800 Building $205,200	$46,800 (-81.43%) Land $46,800
2024	$4,009.00	$252,000 Land $46,800 Building $205,200
1994			$252,000 Land $46,800 Building $205,200

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 in force
Nearby Flood Claims	3 (1982–2023)
Claims Outside the SFHA	2 of 3
Most Recent Claim	Jul 2023 · rainfall accumulation

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	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 70 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

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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