405 Frederick St, Reading, PA 19608 Property Records

Berks County property record for 405 Frederick St, Reading, PA 19608

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,490 sqft · built 1996
Lot Size	0.13 acres (5,663 sqft)
Owner	2 Individual Names on Record
Last Sale	$246,999 (Nov 2021)
Tax Bill	$1,913 (2026)
Deeds & Mortgages	Nov 2021 Sale & Mortgage Dec 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`4386-20-91-6045`

Property Details

APN / Parcel Number

Primary APN	`4386-20-91-6045`
Alternative APNs	`80-4386-20-91-6045` `80001054` `001054`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,490 sqft Living Area

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Exterior Material	Aluminum/Vinyl
Lot Area	5,663 sqft (0.13 acres)
View / Lot	Neighborhood
Garage Type	Attached
Porch	Open Frame Porch
Deck Area	Deck Area

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	80001054
Street Address	405 FREDERICK ST
City	READING
State	PA
Zip	19608-1770
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	BEVERLY HEIGHTS
Legal Block	91
Legal Lot Number	152
Jurisdiction	BERKS PA
Township / Civil Division	SPRING
Census Block Group	4
Census Block	4002
Census Tract	10803

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	405 FREDERICK ST, READING, PA 19608-1770
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 17, 2021	Deed, Transfer · Conventional Mortgage CALIBER HOME LOANS INC
Dec 6, 2017	Deed, Transfer · FHA Mortgage MORTGAGE AMERICA INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 17, 2021 · Amount on Record
Deed Sale	Nov 17, 2021 · Amount on Record
Prior Sale	Dec 6, 2017 · Amount on Record
Deed Document Number	202157496
Record Updated	Oct 29, 2026

November 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	BERKS PA
Recording Date	Nov 17, 2021
Property Address	405 FREDERICK ST, READING, PA 19608-1770
Document Number	0000057496
Map Reference	MB 213 PG 21
Instrument Date	Nov 10, 2021
Instrument	2021057496
Transaction Type	Transfer
Record Updated	Nov 30, 2021
Title Company	SIGNATURE ABSTRACT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,469.99
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	405 FREDERICK ST, READING, PA 19608-1770

Mortgage

Document Number	0000057497
Date	Nov 17, 2021
Instrument	2021057497

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Dec 1, 2036

December 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	BERKS PA
Recording Date	Dec 6, 2017
Property Address	405 FREDERICK ST, READING, PA 19608-1770
Document Number	0000045262
Instrument Date	Dec 4, 2017
Instrument	2017045262
Transaction Type	Transfer
Record Updated	May 25, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
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	405 FREDERICK ST, READING, PA 19608-1770

Mortgage

Document Number	0000045263
Date	Dec 6, 2017
Instrument	2017045263

Lender

Name	MORTGAGE AMERICA INC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,913.00 (+25.03%)	$98,200 (-) Land $19,400 Building $78,800	$19,400 (-80.24%) Land $19,400
2024	$1,530.00	$98,200 Land $19,400 Building $78,800
1994			$98,200 Land $19,400 Building $78,800

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

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 80% of the US · above 43% of Pennsylvania
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

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	PAW PENN DISTRICT private · serves 28,508 people · EPA ID PA3060069
Water Source	Groundwater
Last State Inspection	Jun 2025
Lead	3 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
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 300 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: T-Mobile.

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