526 Elm St, Reading, PA 19601 Property Records

Berks County property record for 526 Elm St, Reading, PA 19601

Property Summary

Property Type	Store with Apartments
Details	2,152 sqft · built 1900
Lot Size	0.04 acres (1,742 sqft)
Owner	Individual Name on Record
Last Sale	$53,000 (May 2012)
Tax Bill	$818 (2026)
Deeds & Mortgages	Jan 2024 Line of Credit Jan 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`5307-75-81-1885`

Property Details

APN / Parcel Number

Primary APN	`5307-75-81-1885`
Alternative APNs	`07-5307-75-81-1885` `07362925` `362925`

Interior

Units	2 Units
Stories	3 Stories
Building Area	2,152 sqft Gross Area
1st Floor Area	888 sqft
Basement Area	824 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Brick/Stone
Construction Type	Frame
Lot Area	1,742 sqft (0.04 acres)
View / Lot	Neighborhood
Porch	Enclosed Porch

Utilities, Heating & Cooling

Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	07362925
Street Address	526 ELM ST
City	READING
State	PA
Zip	19601-3302
Property Category	Commercial
Property Type	Commercial > Retail > Store with Apartments
Legal Block	81
Jurisdiction	BERKS PA
Township / Civil Division	READING
Census Block Group	3
Census Block	3001
Census Tract	1300

Owner

Source: Berks County records, 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 Record
Mailing Address	526 ELM ST, READING, PA 19601-3302
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 11, 2024	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA
Jan 27, 2022	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 15, 2012 · Amount on Record
Deed Sale	May 15, 2012 · Amount on Record
Prior Sale	Mar 27, 2008 · Amount on Record
Deed Document Number	201219698
Record Updated	Oct 29, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERKS PA
Property Address	526 ELM ST, READING, PA 19601-3302
Transaction Type	Mortgage
Record Updated	Jan 26, 2024
Title Company	ACCURATE GROUP, ACCURATE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	526 ELM ST, READING, PA 19601-3302

Mortgage

Document Number	0000000956
Date	Jan 11, 2024
Instrument	2024000956

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	PROVIDENCE, RI 02903

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	299 Months
Due	Dec 27, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERKS PA
Property Address	526 ELM ST, READING, PA 19601-3302
Transaction Type	Mortgage
Record Updated	May 30, 2023
Title Company	CLOSING USA LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000004132
Date	Jan 27, 2022
Instrument	2022004132

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Feb 1, 2037

Tax Assessment & Valuation

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	$818.00 (+6.65%)	$29,000 (-) Land $6,100 Building $22,900	$6,100 (-78.97%) Land $6,100
2024	$767.00	$29,000 Land $6,100 Building $22,900
1994			$29,000 Land $6,100 Building $22,900

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

Flood

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 (2003–2008)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Jul 2008 · rainfall accumulation

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

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	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 999 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: AT&T, T-Mobile, Verizon.

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