4031 River Rd, Reading, PA 19605 Property Records

Berks County property record for 4031 River Rd, Reading, PA 19605

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,752 sqft · built 1997
Lot Size	0.22 acres (9,583 sqft)
Owner	2 Individual Names on File
Last Sale	$400,000 (Aug 2026)
Tax Bill	$2,052 (2026)
Deeds & Mortgages	Aug 2026 Sale & Mortgage Mar 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`4399-19-60-2856`

Property Details

APN / Parcel Number

Primary APN	`4399-19-60-2856`
Alternative APNs	`66-4399-19-60-2856` `66000144` `000144`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,752 sqft Living Area

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Exterior Material	Aluminum/Vinyl
Lot Area	9,583 sqft (0.22 acres)
View / Lot	Neighborhood
Garage Type	Attached
Porch	Open Frame Porch
Deck Area	Deck Area

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	66000144
Street Address	4031 RIVER RD
City	READING
State	PA
Zip	19605-1356
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	WHITFORD HILL
Legal Block	60
Legal Lot Number	8 A&8
Jurisdiction	BERKS PA
Township / Civil Division	MUHLENBERG
Census Block Group	2
Census Block	2002
Census Tract	12702

Owner

4031 River Rd is owned and occupied by two individuals who bought it in August 2026.

Source: Berks County records, as of August 25, 2026

Owner of Record	2 Individual Names on File
Mailing Address	4031 RIVER RD, READING, PA 19605-1356
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
Aug 12, 2026	Deed, Transfer · Conventional Mortgage MORTGAGEAMERICA INC
Mar 22, 2021	Deed of Trust, Mortgage · FHA Mortgage NEWREZ LLC
Aug 29, 2019	Deed, Transfer · FHA Mortgage MORTGAGE AMERICA INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 12, 2026 · Amount on File
Deed Sale	Aug 12, 2026 · Amount on File
Prior Sale	Aug 29, 2019 · Amount on File
Deed Document Number	202626645
Record Updated	Oct 29, 2026

August 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	BERKS PA
Recording Date	Aug 12, 2026
Property Address	4031 RIVER RD, READING, PA 19605-1356
Document Number	0000026645
Instrument Date	Jul 31, 2026
Instrument	202626645
Transaction Type	Transfer
Record Updated	Aug 25, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$404,000.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4031 RIVER RD, READING, PA 19605-1356

Mortgage

Document Number	0000026646,
Date	Aug 12, 2026
Instrument	202626646

Lender

Name	MORTGAGEAMERICA INC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2056

Interest

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

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERKS PA
Property Address	4031 RIVER RD, READING, PA 19605-1356
Transaction Type	Mortgage
Record Updated	Apr 6, 2021
Title Company	AVENUE 365 LENDER SERVICES, AVENUE 365 LENDER SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000013492
Date	Mar 22, 2021
Instrument	2021013492

Lender

Name	NEWREZ LLC
Type	Non-Lending Institution
Address	FORT WASHINGTON, PA 19034

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2051

August 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	BERKS PA
Recording Date	Aug 29, 2019
Property Address	4031 RIVER RD, READING, PA 19605-1356
Document Number	0000029203
Map Reference	MB 196 PG 6
Instrument Date	Aug 19, 2019
Instrument	2019029203
Transaction Type	Transfer
Record Updated	May 25, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
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	4031 RIVER RD, MUHLENBERG, PA 19605-1356

Mortgage

Document Number	0000029204
Date	Aug 29, 2019
Instrument	2019029204

Lender

Name	MORTGAGE AMERICA INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2049

Tax Assessment & Valuation

The 2026 property tax bill for 4031 River Rd was $2,052 with a homeowner's exemption.

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	$2,052.00 Homeowner's exemption	$136,700 (-) Land $30,600 Building $106,100	$30,600 (-) Land $30,600
2025	$2,052.00 (+6.93%) Homeowner's exemption	$136,700 (-) Land $30,600 Building $106,100	$30,600 Land $30,600
2024	$1,919.00	$136,700 Land $30,600 Building $106,100
1994			$136,700 Land $30,600 Building $106,100

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

Flood

FEMA maps place 4031 River Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (2020)
Most Recent Claim	Oct 2020 · other causes

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

The area around 4031 River Rd has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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 434 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: Frontier, Verizon.

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