54 Hemlock Rd, Reading, PA 19607 Property Records

Berks County property record for 54 Hemlock Rd, Reading, PA 19607

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,328 sqft · built 1985
Lot Size	3.01 acres (131,551 sqft)
Owner	2 Individual Names on Record
Tax Bill	$3,243 (2026)
Deeds & Mortgages	Aug 2021 Mortgage Jun 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`4395-20-70-7039`

Property Details

APN / Parcel Number

Primary APN	`4395-20-70-7039`
Alternative APNs	`39-4395-20-70-7039` `39120010` `120010`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,328 sqft Living Area
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Exterior Material	Wood
Construction Type	Frame
Lot Area	131,551 sqft
View / Lot	Neighborhood
Garage Type	Attached
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	39120010
Street Address	54 HEMLOCK RD
City	READING
State	PA
Zip	19607-9671
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	70
Legal Lot Number	5
Jurisdiction	BERKS PA
Township / Civil Division	CUMRU
Census Block Group	2
Census Block	2003
Census Tract	11602

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	2 Individual Names on Record
Mailing Address	54 HEMLOCK RD, READING, PA 19607-9671
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Aug 12, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD BANK NA
Jun 21, 2019	Deed of Trust, Mortgage · Conventional Mortgage WYNDHAM CAPITAL MORTGAGE INC
May 3, 2018	Deed of Trust, Mortgage · Line of Credit UTILITY EMPS CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 15, 1983
Deed Sale	Apr 15, 1983
Deed Book / Page	1829 / 981
Record Updated	Sep 20, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERKS PA
Property Address	54 HEMLOCK RD, READING, PA 19607-9671
Transaction Type	Mortgage
Record Updated	Aug 26, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000040269
Date	Aug 12, 2021
Instrument	2021040269

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	CINCINNATI, OH 45227

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Sep 1, 2036

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERKS PA
Property Address	54 HEMLOCK RD, READING, PA 19607-9671
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SILK ABSTRACT COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000019985
Date	Jun 21, 2019
Instrument	2019019985

Lender

Name	WYNDHAM CAPITAL MORTGAGE INC
Type	Mortgage Company
Address	CHARLOTTE, NC 28210

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2049

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERKS PA
Property Address	54 HEMLOCK RD, READING, PA 19607-9671
Document Number	0000015392
Instrument Date	May 3, 2018
Transaction Type	Mortgage
Record Updated	May 29, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	54 HEMLOCK RD READING PA 196079671, READING, PA 19607-9671

Mortgage

Document Number	0000015392
Date	May 10, 2018
Instrument	15392

Lender

Name	UTILITY EMPS CU
Type	Credit Union
Address	WYOMISSING, PA 19610

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	May 9, 2048

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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	$3,243.00 (+8.39%) Homeowner's exemption	$163,300 (-13.18%) Land $54,100 Building $109,200	$54,100 (-71.24%) Land $54,100
2024	$2,992.00	$188,100 Land $54,100 Building $134,000
1994			$188,100 Land $54,100 Building $134,000

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 Policies	2 in force

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	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 58 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

Cell Coverage

5G (outdoors only) and 4G LTE

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