520 Harding Ave, Reading, PA 19607 Property Records

Berks County property record for 520 Harding Ave, Reading, PA 19607

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,355 sqft · built 1954
Lot Size	0.15 acres (6,534 sqft)
Owner	2 Individual Names on File
Last Sale	$161,900 (Sep 2017)
Tax Bill	$1,875 (2026)
Deeds & Mortgages	Sep 2017 Sale & Mortgage Jun 2017 Sale
Flood Zone	Zone X (minimal risk)
APN	`5305-05-09-1229`

Property Details

APN / Parcel Number

Primary APN	`5305-05-09-1229`
Alternative APNs	`39-5305-05-09-1229` `39354520` `354520`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,355 sqft Living Area
1st Floor Area	1,355 sqft

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1954
Exterior Material	Brick/Stone
Construction Type	Frame
Lot Area	6,534 sqft (0.15 acres)
View / Lot	Neighborhood
Deck Area	Deck Area

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	39354520
Street Address	520 HARDING AVE
City	READING
State	PA
Zip	19607-2802
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	09
Legal Lot Number	20
Jurisdiction	BERKS PA
Township / Civil Division	CUMRU
Census Block Group	2
Census Block	2011
Census Tract	11601

Owner

520 Harding Ave is owned and occupied by two individuals who bought it in September 2017.

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

Owner of Record	2 Individual Names on File
Mailing Address	520 HARDING AVE, READING, PA 19607-2802
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
Sep 15, 2017	Deed, Transfer · FHA Mortgage FLORIDA CAPITAL BANK
Jun 12, 2017	Grant Deed, Transfer STEWART ABSTRACT AND TITLE, STEWART ABSTRACT

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 15, 2017 · Amount on File
Deed Sale	Sep 15, 2017 · Amount on File
Prior Sale	Jun 12, 2017 · Amount on File
Deed Document Number	201734034
Prior Transfer Date	Aug 10, 1962
Prior Transfer Doc	1419000798
Record Updated	Oct 29, 2026

September 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	BERKS PA
Recording Date	Sep 15, 2017
Property Address	520 HARDING AVE, READING, PA 19607-2802
Document Number	0000034034
Instrument Date	Sep 15, 2017
Instrument	2017034034
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	520 HARDING AVE, READING, PA 19607-2802

Mortgage

Document Number	0000034035
Date	Sep 15, 2017
Instrument	2017034035

Lender

Name	FLORIDA CAPITAL BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2047

Interest

Rate Type	Fixed Rate

June 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	BERKS PA
Recording Date	Jun 12, 2017
Property Address	520 HARDING AVE, READING, PA 19607-2802
Document Number	0000020927
Instrument Date	Jun 2, 2017
Instrument	20927
Transaction Type	Transfer
Record Updated	Jul 18, 2017
Title Company	STEWART ABSTRACT AND TITLE, STEWART ABSTRACT

Transaction

Amount	Amount on Record
Tax	$1,065.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3029 GRANDVIEW BLVD READING PA 196081046, READING, PA 19608-1046

Tax Assessment & Valuation

The 2026 property tax bill for 520 Harding Ave was $1,875.

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	$1,875.00	$94,400 Land $36,300 Building $58,100	$36,300 Land $36,300
2024	$1,501.00	$94,400 Land $36,300 Building $58,100
1994			$94,400 Land $36,300 Building $58,100

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

Flood

FEMA maps place 520 Harding Ave in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1978.

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
Nearby Flood Claims	2 (1978–2001)
Most Recent Claim	Jun 2001 · Tropical Storm Allison

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.

Wildfire

Wildfire risk around 520 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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