Berks County property record for 451 E Main St, Kutztown, PA 19530
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 2,090 sqft · built 1900 |
| Lot Size | 0.21 acres (9,148 sqft) |
| Owner | Individual Name on File |
| Last Sale | $281,000 (Sep 2022) |
| Tax Bill | $1,574 (2026) |
| Deeds & Mortgages | Sep 2022 Sale & Mortgage Jan 2019 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 5454-17-00-1475 |
| Primary APN | 5454-17-00-1475 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 2,090 sqft Living Area |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Exterior Material | Brick |
| Construction Type | Masonry / Concrete Block |
| Lot Area | 9,148 sqft (0.21 acres) |
| View / Lot | Neighborhood |
| Garage Type | Detached |
| Garage Area | 342 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Frame Porch |
| Lean-To | 96 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Coal |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 55003930 |
|---|---|
| Street Address | 451 E MAIN ST |
| City | KUTZTOWN |
| State | PA |
| Zip | 19530-1216 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Jurisdiction | BERKS PA |
| Township / Civil Division | KUTZTOWN |
| Census Block Group | 1 |
| Census Block | 1035 |
| Census Tract | 14000 |
Source: Berks County assessment roll, 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 File |
|---|---|
| Mailing Address | 451 E MAIN ST, KUTZTOWN, PA 19530-1216 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 2, 2022 | Deed, Transfer · Conventional Mortgage ARK-LA-TEX FINANCIAL SERVICES LLC |
| Jan 3, 2019 | Deed of Trust, Mortgage · Line of Credit SANTANDER BANK NA |
| Sep 1, 2017 | Deed, Transfer · Conventional Mortgage SANTANDER BANK NA |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Sep 2, 2022 · Amount on Record |
| Deed Sale | Sep 2, 2022 · Amount on Record |
| Prior Sale | Sep 1, 2017 · Amount on Record |
| Deed Document Number | 202235461 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | BERKS PA |
| Recording Date | Sep 2, 2022 |
| Property Address | 451 E MAIN ST, KUTZTOWN, PA 19530-1216 |
| Document Number | 0000035461 |
| Instrument Date | Sep 1, 2022 |
| Instrument | 2022035461 |
| Transaction Type | Transfer |
| Record Updated | Sep 23, 2022 |
| Title Company | LEGACY TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,810.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 451 E MAIN ST, KUTZTOWN, PA 19530-1216 |
| Document Number | 0000035462 |
|---|---|
| Date | Sep 2, 2022 |
| Instrument | 2022035462 |
| Name | ARK-LA-TEX FINANCIAL SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERKS PA |
| Property Address | 451 E MAIN ST, KUTZTOWN, PA 19530-1216 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | AMERICAN TITLE PLATINUM |
| Name | Verified Name |
|---|
| Document Number | 0000000262 |
|---|---|
| Date | Jan 3, 2019 |
| Instrument | 2019000262 |
| Name | SANTANDER BANK NA |
|---|---|
| Type | Bank |
| Address | READING, PA 19602 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Dec 11, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed |
|---|---|
| Jurisdiction | BERKS PA |
| Recording Date | Sep 1, 2017 |
| Property Address | 451 E MAIN ST, KUTZTOWN, PA 19530-1216 |
| Document Number | 0000032302 |
| Instrument Date | Aug 29, 2017 |
| Instrument | 2017032302 |
| Transaction Type | Transfer |
| Record Updated | May 25, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 451 E MAIN ST, KUTZTOWN, PA 19530-1216 |
| Document Number | 0000032303 |
|---|---|
| Date | Sep 1, 2017 |
| Instrument | 2017032303 |
| Name | SANTANDER BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Sep 1, 2032 |
| Rate Type | Fixed Rate |
|---|
Source: Berks County assessment roll, as of May 27, 2026
| Type | Name |
|---|---|
| State | Pennsylvania |
| County | Berks County |
| Municipality | Kutztown Borough |
| Unified School District | Kutztown Area School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,574.00 (+7.66%) | $105,600 (-) Land $42,800 Building $62,800 | $42,800 (-59.47%) Land $42,800 |
| 2024 | $1,462.00 | $105,600 Land $42,800 Building $62,800 | |
| 1994 | $105,600 Land $42,800 Building $62,800 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 13 policies |
| Nearby Flood Policies | 13 in force |
| Nearby Flood Claims | 20 (1979–2020) |
| Claims Outside the SFHA | 4 of 20 |
| Most Recent Claim | Aug 2020 · river or lake flooding |
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.
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 |
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | KUTZTOWN BOROUGH WATER serves 14,200 people · EPA ID PA3060041 |
|---|---|
| Water Source | Groundwater influenced by surface water |
| Last State Inspection | Dec 2025 |
| Lead | 3 ppb (2025) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 222 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Service Electric Television Cable | 2,000 / 200 |
| Borough of Kutztown Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
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