401 Elm St, Reading, PA 19601 Property Records

Berks County property record for 401 Elm St, Reading, PA 19601

Property Summary

Property Type	Store with Apartments
Details	2,219 sqft · built 1890
Lot Size	0.04 acres (1,742 sqft)
Owner	Company Name on Record
Last Sale	$16,133 (May 2019)
Tax Bill	$623 (2026)
Deeds & Mortgages	Jul 2026 Mortgage Mar 2023 Sale & Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`5307-74-71-3939`

Property Details

APN / Parcel Number

Primary APN	`5307-74-71-3939`
Alternative APNs	`07-5307-74-71-3939` `362025`

Interior

Units	4 Units
Stories	3 Stories
Building Area	2,219 sqft Gross Area
1st Floor Area	1,159 sqft
Basement Area	1,030 sqft

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Exterior Material	Brick
Lot Area	1,742 sqft (0.04 acres)
View / Lot	Neighborhood

Utilities, Heating & Cooling

Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	401 ELM ST
City	WEST READING
State	PA
Zip	19611-1143
Property Category	Commercial
Property Type	Commercial > Retail > Store with Apartments
Legal Block	71
Jurisdiction	BERKS PA
Township / Civil Division	READING
Census Block Group	2
Census Block	2005
Census Tract	1300

Owner

Source: Berks County records, as of August 11, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	110 MAPLE AVE, CAMP HILL, PA 17011-4120
Owner Type	Company
Vesting	Limited Liability Company

Deeds, Mortgages & Sale History

Date	Document
Jul 30, 2026	Deed of Trust, Mortgage · Conventional Mortgage 4TH STREET FUNDING LLC
Mar 7, 2023	Deed, Transfer · Line of Credit UNIVEST BANK & TRUST CO
May 3, 2019	Grant Deed, Transfer · Construction Mortgage CAPSTONE FINL

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 3, 2019 · Amount on Record
Deed Sale	May 3, 2019 · Amount on Record
Prior Sale	Apr 8, 2008 · Amount on Record
Deed Document Number	201913748
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERKS PA
Recording Date	Jul 30, 2026
Property Address	401 ELM ST, WEST READING, PA 19611-1143
Document Number	0000025046
Instrument Date	Jul 29, 2026
Instrument	202625046
Transaction Type	Mortgage
Record Updated	Aug 11, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership, 266
Address	109 MAPLE AVE, CAMP HILL, PA 17011-4121

Mortgage

Document Number	0000025046,
Date	Jul 30, 2026
Instrument	202625046

Lender

Name	4TH STREET FUNDING LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate	6.43%
Max Rate	-1%

March 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	BERKS PA
Recording Date	Mar 7, 2023
Property Address	401 ELM ST, READING, PA 19601-3218
Document Number	0000006351
Instrument Date	Feb 8, 2023
Instrument	2023006351
Transaction Type	Transfer
Record Updated	Sep 29, 2023

Transaction

Amount	Amount Recorded
Tax	$245.31
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5136 HIGGINS ST, HOUSTON, TX 77033-3231

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	110 MAPLE AVE, CAMP HILL, PA 17011-4120

Mortgage

Document Number	0000006533
Date	Mar 8, 2023
Instrument	2023006533

Lender

Name	UNIVEST BANK & TRUST CO
Type	Bank
Address	SOUDERTON, PA 18964

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Mar 2, 2033

May 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	BERKS PA
Recording Date	May 3, 2019
Property Address	401 ELM ST, READING, PA 19601-3218
Document Number	0000013748
Instrument Date	Apr 16, 2019
Instrument	13748
Transaction Type	Transfer
Record Updated	May 16, 2019
Title Company	CT LAND SERVICES COMPANY, CT LAND SVCS CO

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	110 MAPLE AVE CAMP HILL PA 170114120, CAMP HILL, PA 17011-4120

Mortgage

Document Number	13749
Date	May 3, 2019
Instrument	13749

Lender

Name	CAPSTONE FINL
Type	Funding / Finance Company
Address	SCOTTSDALE, AZ 85257

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	May 2, 2020

Tax Assessment & Valuation

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	$623.00 (+6.5%)	$22,100 (-) Land $10,000 Building $12,100	$10,000 (-54.75%) Land $10,000
2024	$585.00 (-39.44%)	$22,100 (-) Land $10,000 Building $12,100
2023	$966.00	$22,100 Land $10,000 Building $12,100
1994			$22,100 Land $10,000 Building $12,100

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 96% of the US · lower than 96% 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	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 1,382 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Verizon.

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