509 Harding Ave, Reading, PA 19607 Property Records

Berks County property record for 509 Harding Ave, Reading, PA 19607

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,030 sqft · built 1953
Lot Size	0.15 acres (6,534 sqft)
Owner	Individual Name on File
Last Sale	$245,000 (Oct 2022)
Tax Bill	$1,503 (2026)
Deeds & Mortgages	Apr 2026 Mortgage Oct 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`4395-08-99-7462`

Property Details

APN / Parcel Number

Primary APN	`4395-08-99-7462`
Alternative APNs	`39-4395-08-99-7462` `39354509` `354509`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,030 sqft Living Area
1st Floor Area	1,030 sqft

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1953
Exterior Material	Aluminum/Vinyl
Lot Area	6,534 sqft (0.15 acres)
View / Lot	Neighborhood
Porch	Enclosed Porch

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	39354509
Street Address	509 HARDING AVE
City	READING
State	PA
Zip	19607-2801
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	MIFFLIN PARK SEC 05
Legal Block	99
Legal Lot Number	5
Jurisdiction	BERKS PA
Township / Civil Division	CUMRU
Census Block Group	1
Census Block	1039
Census Tract	11601

Owner

509 Harding Ave is owned and occupied by an individual who bought it in October 2022.

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

Owner of Record	Individual Name on File
Mailing Address	509 HARDING AVE, READING, PA 19607-2801
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
Apr 16, 2026	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORPORATION
Oct 20, 2022	Deed, Transfer · FHA Mortgage PARAMOUNT RESIDENTIAL MORTGAGE GROU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 20, 2022 · Amount on File
Deed Sale	Oct 20, 2022 · Amount on File
Deed Document Number	202241437
Prior Transfer Date	Nov 19, 2001
Prior Transfer Doc	0000073273
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERKS PA
Recording Date	Apr 16, 2026
Property Address	509 HARDING AVE, READING, PA 19607-2801
Document Number	0000011363
Instrument Date	Apr 7, 2026
Instrument	202611363
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	WEST COAST ABSTRACT, EAST COAST ABSTRACT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	509 HARDING AVE, READING, PA 19607-2801

Mortgage

Document Number	0000011363,
Date	Apr 16, 2026
Instrument	202611363

Lender

Name	FREEDOM MORTGAGE CORPORATION

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	320 Months
Due	Dec 1, 2052

Interest

Rate	6.11%
Max Rate	-1%

October 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	BERKS PA
Recording Date	Oct 20, 2022
Property Address	509 HARDING AVE, SHILLINGTON, PA 19607-2801
Document Number	0000041437
Map Reference	VOL 14 PG 28
Instrument Date	Oct 13, 2022
Instrument	2022041437
Transaction Type	Transfer
Record Updated	Nov 4, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,450.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	509 HARDING AVE, SHILLINGTON, PA 19607-2801

Mortgage

Document Number	0000041438
Date	Oct 20, 2022
Instrument	2022041438

Lender

Name	PARAMOUNT RESIDENTIAL MORTGAGE GROU
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2052

Tax Assessment & Valuation

The 2026 property tax bill for 509 Harding Ave was $1,503, up 11.3% from the year before.

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

Property Jurisdictions

Type	Name
State	Pennsylvania
County	Berks County
County Subdivision	Cumru Township
Unified School District	Governor Mifflin School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,503.00 (+11.25%)	$75,700 (-) Land $36,300 Building $39,400	$36,300 (-) Land $36,300
2025	$1,351.00 (+12.21%)	$75,700 (-) Land $36,300 Building $39,400	$36,300 Land $36,300
2024	$1,204.00	$75,700 Land $36,300 Building $39,400
1994			$75,700 Land $36,300 Building $39,400

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

Flood

FEMA maps place 509 Harding Ave 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 509 Harding Ave 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	None beyond 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	SHILLINGTON MUNI AUTH serves 13,300 people · EPA ID PA3060067
Water Source	Purchased surface water from WESTERN BERKS WATER AUTH
Last State Inspection	Oct 2024
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Coliform assessment Dec 2025
Monitoring and Reporting	3 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 544 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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