431 Locust St, Reading, PA 19604 Property Records

Berks County property record for 431 Locust St, Reading, PA 19604

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,264 sqft · built 1900
Lot Size	0.04 acres (1,742 sqft)
Owner	Individual Name on File
Last Sale	$50,000 (Apr 2023)
Tax Bill	$866 (2026)
Deeds & Mortgages	Apr 2023 Sale Jul 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`5317-62-12-4840`

Property Details

APN / Parcel Number

Primary APN	`5317-62-12-4840`
Alternative APNs	`11-5317-62-12-4840` `461225`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,264 sqft Living Area

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Lot Area	1,742 sqft (0.04 acres)
View / Lot	Neighborhood
Porch	Open Frame Porch

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	431 LOCUST ST
City	MERTZTOWN
State	PA
Zip	19539-9134
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	12
Jurisdiction	BERKS PA
Township / Civil Division	READING
Census Block Group	1
Census Block	1004
Census Tract	1600

Owner

431 Locust St is owned by an individual who bought it in April 2023.

Source: Berks County records, as of May 27, 2026

Owner of Record	Individual Name on File
Mailing Address	3535 N 5TH STREET HWY, READING, PA 19605-1703
Owner Type	Individual

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
Apr 14, 2023	Deed, Transfer CONESTOGA TITLE COMPANY
Jul 8, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage M & T BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 14, 2023 · Amount on File
Deed Sale	Apr 14, 2023 · Amount on File
Prior Sale	Feb 11, 2004 · Amount on File
Deed Document Number	202310662
Prior Transfer Date	Jun 15, 2021
Prior Transfer Doc	0000034209
Record Updated	Oct 29, 2026

April 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	BERKS PA
Recording Date	Apr 14, 2023
Property Address	431 LOCUST ST, READING, PA 19604-2826
Document Number	0000010662
Instrument Date	Apr 5, 2023
Instrument	2023010662
Transaction Type	Transfer
Record Updated	Apr 28, 2023
Title Company	CONESTOGA TITLE COMPANY

Transaction

Amount	Amount on Record
Tax	$500.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3535 N 5TH STREET HWY # 2-329, 2-329, READING, PA 19605-1703

July 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BERKS PA
Recording Date	Jul 8, 2021
Property Address	431 LOCUST ST, READING, PA 19604-2826
Document Number	0000034209
Instrument Date	Jun 15, 2021
Instrument	2021034209
Transaction Type	Transfer
Record Updated	Dec 12, 2022
Title Company	LAFAYETTE SETTLEMENT SERVICES, LAFAYETTE SETTLEMENT SVCS

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	431 LOCUST ST, READING, PA 19604-2826

Mortgage

Document Number	0000034210
Date	Jul 8, 2021
Instrument	2021034210

Lender

Name	M & T BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	171 Months
Due	Oct 1, 2035

Tax Assessment & Valuation

The 2026 property tax bill for 431 Locust St was $866.

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	$866.00	$30,700 Land $13,000 Building $17,700	$13,000 Land $13,000
2024	$812.00	$30,700 Land $13,000 Building $17,700
1994			$30,700 Land $13,000 Building $17,700

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 431 Locust St in Zone X, an area of minimal flood risk.

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

Wildfire risk around 431 Locust St is low, with a 0.01% annual chance of 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

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 2,831 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

May also be available: Frontier, T-Mobile, Verizon.

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