520 N 12th St, Reading, PA 19604 Property Records

Berks County property record for 520 N 12th St, Reading, PA 19604

Property Summary

Property Type	Single Family Home
Details	5 bd · 1 ba · 1,616 sqft · built 1900
Lot Size	0.04 acres (1,742 sqft)
Owner	2 Individual Names on File
Last Sale	$205,000 (Dec 2025)
Tax Bill	$1,084 (2026)
Deeds & Mortgages	Aug 2026 Sale Dec 2025 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`5317-62-13-5255`

Property Details

APN / Parcel Number

Primary APN	`5317-62-13-5255`
Alternative APNs	`11-5317-62-13-5255` `11187700` `187700`

Interior

Bedrooms	5 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	3 Stories
Building Area	1,616 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
Porch	Open Porch

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	11187700
Street Address	520 N 12TH ST
City	READING
State	PA
Zip	19604-2719
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	3004
Census Tract	1500

Owner

520 N 12th St is owned and occupied by two individuals who bought it in December 2025.

Source: Berks County records, as of September 3, 2026

Owner of Record	2 Individual Names on File
Mailing Address	520 N 12TH ST, READING, PA 19604-2719
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
Aug 24, 2026	Deed, Transfer NONE LISTED ON DOCUMENT
Dec 29, 2025	Deed, Transfer · FHA Mortgage CUSTOMERS BANK
Mar 12, 2021	Fiduciary Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 29, 2025 · Amount on File
Deed Sale	Dec 29, 2025 · Amount on File
Prior Sale	Jun 3, 2024 · Amount on File
Deed Document Number	202540912
Prior Transfer Date	Apr 2, 1998
Prior Transfer Doc	2926000138
Record Updated	Oct 29, 2026

August 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	BERKS PA
Recording Date	Aug 24, 2026
Property Address	520 N 12TH ST, READING, PA 19604-2719
Document Number	0000028114
Instrument Date	Jul 24, 2026
Instrument	202628114
Transaction Type	Transfer
Record Updated	Sep 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	520 N 12TH ST, READING, PA 19604-2719

December 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	BERKS PA
Recording Date	Dec 29, 2025
Property Address	520 N 12TH ST, READING, PA 19604-2719
Document Number	0000040912
Map Reference	DOC 2021011369
Instrument Date	Dec 17, 2025
Instrument	2025040912
Transaction Type	Transfer
Record Updated	Jan 9, 2026
Title Company	STRIVE SETTLEMENT GROUP LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,050.00
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	520 N 12TH ST, READING, PA 19604-2719

Mortgage

Document Number	0000040913
Date	Dec 29, 2025
Instrument	2025040913

Lender

Name	CUSTOMERS BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2056

March 2021: Fiduciary Deed, Transfer

Document Type	Fiduciary Deed
Jurisdiction	BERKS PA
Recording Date	Mar 12, 2021
Property Address	520 N 12TH ST, READING, PA 19604-2719
Document Number	0000011369
Map Reference	VOL 2926 PG 138
Instrument Date	Oct 21, 2020
Instrument	2021011369
Transaction Type	Transfer
Record Updated	Dec 12, 2022

Transaction

Amount	Amount on Record
Tax	$325.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	277 N VIEW RD, FLEETWOOD, PA 19522-9463

Tax Assessment & Valuation

The 2026 property tax bill for 520 N 12th St was $1,084, 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	$1,084.00 (+4.03%)	$38,400 (-) Land $13,000 Building $25,400	$13,000 Land $13,000
2025	$1,042.00 (+2.56%)	$38,400 (-) Land $13,000 Building $25,400
2024	$1,016.00	$38,400 Land $13,000 Building $25,400
1994			$38,400 Land $13,000 Building $25,400

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 520 N 12th 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 520 N 12th 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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