512 Locust St, Reading, PA 19604 Property Records

Berks County property record for 512 Locust St, Reading, PA 19604

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,172 sqft · built 1926
Lot Size	0.03 acres (1,307 sqft)
Owner	Individual Name on File
Last Sale	$160,000 (Jun 2025)
Tax Bill	$900 (2026)
Deeds & Mortgages	Mar 2024 Line of Credit Apr 2023 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`5317-62-13-3117`

Property Details

APN / Parcel Number

Primary APN	`5317-62-13-3117`
Alternative APNs	`11-5317-62-13-3117` `11461650` `461650`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,172 sqft Living Area

Exterior

Year Built	Built 1926
Effective Year Built	Effective 1926
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Lot Area	1,307 sqft (0.03 acres)
View / Lot	Neighborhood
Porch	Open Frame Porch

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	11461650
Street Address	512 LOCUST ST
City	READING
State	PA
Zip	19604-2731
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	13
Jurisdiction	BERKS PA
Township / Civil Division	READING
Census Block Group	3
Census Block	3005
Census Tract	1500

Owner

512 Locust St is owned and occupied by an individual who bought it in June 2025.

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

Owner of Record	Individual Name on File
Mailing Address	512 LOCUST ST, READING, PA 19604-2731
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
Mar 12, 2024	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA
Apr 20, 2023	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA
Nov 30, 2017	Deed, Transfer · Conventional Mortgage CITIZENS BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 2, 2025 · Amount on File
Deed Sale	Jun 2, 2025 · Amount on File
Prior Sale	Nov 30, 2017 · Amount on File
Deed Document Number	202516215
Record Updated	Oct 29, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERKS PA
Property Address	512 LOCUST ST, READING, PA 19604-2731
Transaction Type	Mortgage
Record Updated	Mar 27, 2024
Title Company	ACCURATE GROUP, ACCURATE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	512 LOCUST ST, READING, PA 19604-2731

Mortgage

Document Number	0000007068
Date	Mar 12, 2024
Instrument	2024007068

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	JOHNSTON, RI 02919

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Mar 4, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERKS PA
Property Address	512 LOCUST ST, READING, PA 19604-2731
Transaction Type	Mortgage
Record Updated	May 5, 2023
Title Company	ACCURATE GROUP, ACCURATE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	512 LOCUST ST, READING, PA 19604-2731

Mortgage

Document Number	0000011164
Date	Apr 20, 2023
Instrument	2023011164

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	PROVIDENCE, RI 02903

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Apr 4, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	BERKS PA
Recording Date	Nov 30, 2017
Property Address	512 LOCUST ST, READING, PA 19604-2731
Document Number	0000044346
Instrument Date	Nov 28, 2017
Instrument	2017044346
Transaction Type	Transfer
Record Updated	May 25, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	512 LOCUST ST, READING, PA 19604-2731

Mortgage

Document Number	0000044347
Date	Nov 30, 2017
Instrument	2017044347

Lender

Name	CITIZENS BANK NA

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2026 property tax bill for 512 Locust St was $900, up 4% from the year before.

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	$900.00 (+4.05%)	$31,900 (-) Land $12,000 Building $19,900	$12,000 (-) Land $12,000
2025	$865.00 (+2.49%) Homeowner's exemption	$31,900 (-) Land $12,000 Building $19,900	$12,000 Land $12,000
2024	$844.00	$31,900 Land $12,000 Building $19,900
1994			$31,900 Land $12,000 Building $19,900

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 512 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 512 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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