535 Locust St, Reading, PA 19604 Property Records

Berks County property record for 535 Locust St, Reading, PA 19604

Property Summary

Property Type	Single Family Home
Details	5 bd · 1 ba · 1,818 sqft · built 1910
Lot Size	0.03 acres (1,307 sqft)
Owner	Individual Name on File
Last Sale	$132,000 (Oct 2022)
Tax Bill	$863 (2026)
Deeds & Mortgages	Jun 2026 Mortgage Oct 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`5317-62-13-4345`

Property Details

APN / Parcel Number

Primary APN	`5317-62-13-4345`
Alternative APNs	`11-5317-62-13-4345` `11462225` `462225`

Interior

Bedrooms	5 Beds
Full Baths	1 Bath
Total Rooms	8 Rooms
Stories	3 Stories
Building Area	1,818 sqft Living Area

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
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	HVAC
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	11462225
Street Address	535 LOCUST ST
City	READING
State	PA
Zip	19604-2730
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

535 Locust St is owned and occupied by an individual who bought it in October 2022.

Source: Berks County records, as of June 26, 2026

Owner of Record	Individual Name on File
Mailing Address	535 LOCUST ST, READING, PA 19604-2730
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
Jun 16, 2026	Deed of Trust, Mortgage · FHA Mortgage NETX MORTGAGE LLC
Oct 3, 2022	Deed, Transfer · FHA Mortgage MORTGAGE AMERICA INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 3, 2022 · Amount on File
Deed Sale	Oct 3, 2022 · Amount on File
Prior Sale	Mar 14, 2006 · Amount on File
Deed Document Number	202239165
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERKS PA
Recording Date	Jun 16, 2026
Property Address	535 LOCUST ST, READING, PA 19604-2730
Document Number	0000019084
Instrument Date	Jun 10, 2026
Instrument	202619084
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	STRIVE SETTLEMENT GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	535 LOCUST ST, READING, PA 19604-2730

Mortgage

Document Number	0000019084,
Date	Jun 16, 2026
Instrument	202619084

Lender

Name	NETX MORTGAGE LLC

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2056

Interest

Rate	6.36%
Max Rate	-1%

October 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	BERKS PA
Recording Date	Oct 3, 2022
Property Address	535 LOCUST ST, READING, PA 19604-2730
Document Number	0000039165
Instrument Date	Sep 26, 2022
Instrument	2022039165
Transaction Type	Transfer
Record Updated	Dec 12, 2022
Title Company	STRIVE SETTLEMENT GROUP LLC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,320.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	535 LOCUST ST, READING, PA 19604-2730

Mortgage

Document Number	0000039166
Date	Oct 3, 2022
Instrument	2022039166

Lender

Name	MORTGAGE AMERICA INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2052

Mortgage

Document Number	0000039167
Date	Oct 3, 2022
Instrument	2022039167

Lender

Name	PENNSYLVANIA HOUSING FINANCE AGENCY
Type	Government Agency

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 535 Locust St was $863.

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	$863.00	$30,600 Land $7,300 Building $23,300	$7,300 Land $7,300
2024	$810.00	$30,600 Land $7,300 Building $23,300
1994			$30,600 Land $7,300 Building $23,300

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 535 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 535 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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