438 Locust St, Reading, PA 19604 Property Records

Berks County property record for 438 Locust St, Reading, PA 19604

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,156 sqft · built 1900
Lot Size	0.04 acres (1,742 sqft)
Owner	Individual Name on Record
Last Sale	$170,000 (Jul 2025)
Tax Bill	$906 (2026)
Deeds & Mortgages	Jul 2025 Sale & Mortgage Aug 2023 Sale
Flood Zone	Zone X (minimal risk)
APN	`5317-62-12-3810`

Property Details

APN / Parcel Number

Primary APN	`5317-62-12-3810`
Alternative APNs	`11-5317-62-12-3810` `11461400` `461400`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,156 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

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	11461400
Street Address	438 LOCUST ST
City	READING
State	PA
Zip	19604-2827
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	1005
Census Tract	1600

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	Individual Name on Record
Mailing Address	438 LOCUST ST, READING, PA 19604-2827
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 10, 2025	Deed, Transfer · FHA Mortgage FULTON BANK NA
Aug 17, 2023	Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 10, 2025 · Amount on Record
Deed Sale	Jul 10, 2025 · Amount on Record
Prior Sale	Aug 17, 2023 · Amount on Record
Deed Document Number	202520423
Record Updated	Oct 29, 2026

July 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	BERKS PA
Recording Date	Jul 10, 2025
Property Address	438 LOCUST ST, READING, PA 19604-2827
Document Number	0000020423
Instrument Date	Jul 8, 2025
Instrument	2025020423
Transaction Type	Transfer
Record Updated	Apr 30, 2026
Title Company	PENN CHARTER ABSTRACT INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,700.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	438 LOCUST ST, READING, PA 19604-2827

Mortgage

Document Number	0000020424
Date	Jul 10, 2025
Instrument	2025020424

Lender

Name	FULTON BANK NA
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2055

August 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	BERKS PA
Recording Date	Aug 17, 2023
Property Address	438 LOCUST ST, READING, PA 19604-2827
Document Number	0000024470
Instrument Date	Aug 10, 2023
Instrument	2023024470
Transaction Type	Transfer
Record Updated	Aug 30, 2023

Transaction

Amount	Amount Recorded
Tax	$900.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	1515 N 11TH ST, READING, PA 19604-1820

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	$906.00 (+6.71%)	$32,100 (-) Land $13,000 Building $19,100	$13,000 (-59.5%) Land $13,000
2024	$849.00 (-39.49%)	$32,100 (-) Land $13,000 Building $19,100
2023	$1,403.00 Homeowner's exemption	$32,100 Land $13,000 Building $19,100
1994			$32,100 Land $13,000 Building $19,100

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

Flood

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	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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