431 Mulberry St, Reading, PA 19604 Property Records

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

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,106 sqft · built 1920
Lot Size	0.03 acres (1,307 sqft)
Owner	Individual Name on File
Last Sale	$30,000 (Dec 2018)
Tax Bill	$861 (2026)
Deeds & Mortgages	Oct 2019 Line of Credit Dec 2018 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`5317-61-02-9701`

Property Details

APN / Parcel Number

Primary APN	`5317-61-02-9701`
Alternative APNs	`11-5317-61-02-9701` `11529975` `529975`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,106 sqft Living Area

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Lot Area	1,307 sqft (0.03 acres)
View / Lot	Neighborhood

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	11529975
Street Address	431 MULBERRY ST
City	READING
State	PA
Zip	19604-2809
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	02
Jurisdiction	BERKS PA
Township / Civil Division	READING
Census Block Group	1
Census Block	1001
Census Tract	1700

Owner

431 Mulberry St is owned and occupied by an individual who bought it in December 2018.

Source: Berks County records, as of August 21, 2026

Owner of Record	Individual Name on File
Mailing Address	844 N 8TH ST, READING, PA 19604-2415
Occupancy	Owner Occupied
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
Oct 9, 2019	Deed of Trust, Mortgage · Line of Credit SANTANDER BANK NA
Dec 7, 2018	Grant Deed, Transfer SENTRY ABSTRACT COMPANY, SENTRY ABSTRACT CO
Jul 19, 2017	Deed of Trust, Mortgage · Conventional with PMI FEDERAL EMPS CU
May 19, 2017	Grant Deed, Transfer JUSTIN & APRIL CROSSLEY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 7, 2018 · Amount on File
Deed Sale	Dec 7, 2018 · Amount on File
Prior Sale	May 19, 2017 · Amount on File
Deed Document Number	201842271
Record Updated	Oct 29, 2026

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERKS PA
Property Address	431 MULBERRY ST, READING, PA 19604-2809
Transaction Type	Mortgage
Record Updated	Dec 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000034859
Date	Oct 9, 2019
Instrument	2019034859

Lender

Name	SANTANDER BANK NA
Type	Bank
Address	READING, PA 19602

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Sep 26, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	BERKS PA
Recording Date	Dec 7, 2018
Property Address	431 MULBERRY ST, READING, PA 19604-2809
Document Number	0000042271
Instrument Date	Dec 7, 2018
Instrument	42271
Transaction Type	Transfer
Record Updated	Dec 20, 2018
Title Company	SENTRY ABSTRACT COMPANY, SENTRY ABSTRACT CO

Transaction

Amount	Amount on Record
Tax	$300.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	431 MULBERRY ST READING PA 196042809, READING, PA 19604-2809

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERKS PA
Property Address	431 MULBERRY ST, READING, PA 19604-2809
Document Number	0000026220
Instrument Date	Jul 19, 2017
Transaction Type	Mortgage
Record Updated	Aug 11, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	431 MULBERRY ST READING PA 196042809, READING, PA 19604-2809

Mortgage

Document Number	0000026220
Date	Jul 20, 2017
Instrument	26220

Lender

Name	FEDERAL EMPS CU
Type	Credit Union
Address	MAUMEE, OH 43537

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	144 Months
Due	Jul 19, 2029

May 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	BERKS PA
Recording Date	May 19, 2017
Property Address	431 MULBERRY ST, READING, PA 19604-2809
Document Number	0000017767
Instrument Date	May 17, 2017
Instrument	17767
Transaction Type	Transfer
Record Updated	Oct 30, 2017
Title Company	STEWART ABSTRACT AND TITLE, STEWART ABSTRACT/BERKS COUNTY

Transaction

Amount	Amount on Record
Tax	$150.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	825 MCKNIGHT ST READING PA 196012019, READING, PA 19601-2019

Mortgage

Document Number	17768
Date	May 19, 2017
Instrument	17768

Lender

Name	JUSTIN & APRIL CROSSLEY
Address	2310 BELL DR, WEST LAWN, PA 19609-1202

Agreement

Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 431 Mulberry St was $861 with a homeowner's exemption.

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	$861.00 Homeowner's exemption	$30,500 Land $8,000 Building $22,500	$8,000 Land $8,000
2024	$807.00	$30,500 Land $8,000 Building $22,500
1994			$30,500 Land $8,000 Building $22,500

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

Flood

FEMA maps place 431 Mulberry 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 Mulberry 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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