528 Elm St, Reading, PA 19601 Property Records

Berks County property record for 528 Elm St, Reading, PA 19601

Property Summary

Property Type	Commercial Office
Details	2,792 sqft · built 1900
Lot Size	0.04 acres (1,742 sqft)
Owner	Individual on Record
Last Sale	$79,560 (Aug 2019)
Tax Bill	$1,611 (2026)
Deeds & Mortgages	Feb 2021 Mortgage Aug 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`5307-75-81-2805`

Property Details

APN / Parcel Number

Primary APN	`5307-75-81-2805`
Alternative APNs	`07-5307-75-81-2805` `07362975` `362975`

Interior

Stories	3 Stories
Building Area	2,792 sqft Gross Area
1st Floor Area	1,112 sqft
Basement Area	1,008 sqft

Exterior

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

Utilities, Heating & Cooling

Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	07362975
Street Address	528 ELM ST
City	READING
State	PA
Zip	19601-3302
Property Category	Commercial
Property Type	Commercial > Office > Commercial Office
Legal Block	81
Jurisdiction	BERKS PA
Township / Civil Division	READING
Census Block Group	3
Census Block	3001
Census Tract	1300

Owner

Source: Berks County assessment roll, 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 on Record
Mailing Address	528 ELM ST, READING, PA 19601-3302
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 3, 2021	Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE LLC
Aug 1, 2019	Deed, Transfer · FHA Mortgage RESIDENTIAL MORTGAGE SERVICES

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 1, 2019 · Amount on Record
Deed Sale	Aug 1, 2019 · Amount on Record
Prior Sale	Oct 13, 2005 · Amount on Record
Deed Document Number	201925365
Record Updated	Sep 20, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERKS PA
Property Address	528 ELM ST, READING, PA 19601-3302
Transaction Type	Mortgage
Record Updated	May 30, 2023
Title Company	COVIUS SETTLEMENT SERVICES LLC, COVIUS SETTLEMENT SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	528 ELM ST, READING, PA 19601-3302

Mortgage

Document Number	0000004910
Date	Feb 3, 2021
Instrument	2021004910

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	342 Months
Due	Aug 1, 2049

August 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	BERKS PA
Recording Date	Aug 1, 2019
Property Address	528 ELM ST, READING, PA 19601-3302
Document Number	0000025365
Instrument Date	Jul 12, 2019
Instrument	2019025365
Transaction Type	Transfer
Record Updated	May 25, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	528 ELM ST, READING, PA 19601-3302

Mortgage

Document Number	0000025366
Date	Aug 1, 2019
Instrument	2019025366

Lender

Name	RESIDENTIAL MORTGAGE SERVICES
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2049

Mortgage

Document Number	0000025367
Date	Aug 1, 2019
Instrument	2019025367

Lender

Name	NEIGHBORHOOD HOUSING SERVICE
Type	Bank
Address	READING, PA 19601

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Aug 1, 2029

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	$1,611.00 (+6.62%)	$57,100 (-) Land $10,000 Building $47,100	$10,000 (-82.49%) Land $10,000
2024	$1,511.00	$57,100 Land $10,000 Building $47,100
1994			$57,100 Land $10,000 Building $47,100

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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