540 N Front St, Reading, PA 19601 Property Records

Berks County property record for 540 N Front St, Reading, PA 19601

Property Summary

Property Type	Single Family Home
Details	5 bd · 1 ba · 1,814 sqft · built 1900
Lot Size	0.05 acres (2,178 sqft)
Owner	Individual Name on File
Last Sale	$112,000 (Jun 2021)
Tax Bill	$621 (2026)
Deeds & Mortgages	Jun 2021 Mortgage Jun 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`5307-65-53-5482`

Property Details

APN / Parcel Number

Primary APN	`5307-65-53-5482`
Alternative APNs	`15-5307-65-53-5482` `15043000` `043000`

Interior

Bedrooms	5 Beds
Full Baths	1 Bath
Total Rooms	8 Rooms
Stories	3 Stories
Building Area	1,814 sqft Living Area

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Lot Area	2,178 sqft (0.05 acres)
View / Lot	Neighborhood
Porch	Open Frame Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Hot Water
Heating Fuel	Oil
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	15043000
Street Address	540 N FRONT ST
City	READING
State	PA
Zip	19601-2729
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	53
Jurisdiction	BERKS PA
Township / Civil Division	READING
Census Block Group	2
Census Block	2024
Census Tract	1000

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Queen Anne Historic District listed 2004 · 2,405 contributing resources · NRIS 04001227

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

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 Name on File
Mailing Address	540 N FRONT ST, READING, PA 19601-2729
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 14, 2021	Deed of Trust, Mortgage · Stand-Alone First Mortgage CUSTOMERS BANK
Jun 14, 2021	Deed, Transfer · FHA Mortgage CUSTOMERS BANK
Sep 17, 2018	Grant Deed, Transfer HOMESALE SETTLEMENT SERVICES

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jun 14, 2021 · Amount on Record
Deed Sale	Jun 14, 2021 · Amount on Record
Prior Sale	Nov 18, 2014 · Amount on Record
Deed Document Number	202129703
Record Updated	Sep 20, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERKS PA
Property Address	540 N FRONT ST, READING, PA 19601-2729
Transaction Type	Mortgage
Record Updated	Aug 14, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000029706
Date	Jun 14, 2021
Instrument	2021029706

Lender

Name	CUSTOMERS BANK
Type	Bank
Address	PHOENIXVILLE, PA 19460

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

June 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	BERKS PA
Recording Date	Jun 14, 2021
Property Address	540 N FRONT ST, READING, PA 19601-2729
Document Number	0000029703
Instrument Date	Jun 11, 2021
Instrument	2021029703
Transaction Type	Transfer
Record Updated	Dec 12, 2022

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,120.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	540 N FRONT ST, READING, PA 19601-2729

Mortgage

Document Number	0000029704
Date	Jun 14, 2021
Instrument	2021029704

Lender

Name	CUSTOMERS BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

Mortgage

Document Number	0000029705
Date	Jun 14, 2021
Instrument	2021029705

Lender

Name	CUSTOMERS BANK
Type	Bank
Address	PHOENIXVILLE, PA 19460

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded

September 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	BERKS PA
Recording Date	Sep 17, 2018
Property Address	540 N FRONT ST, READING, PA 19601-2729
Document Number	0000032113
Instrument Date	Jun 26, 2018
Instrument	32113
Transaction Type	Transfer
Record Updated	Oct 1, 2018
Title Company	HOMESALE SETTLEMENT SERVICES

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1727 STAGRIST BLVD FAR ROCKAWAY NY 11691, FAR ROCKAWAY, NY 11691

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	$621.00 (+6.7%)	$22,000 (-) Land $7,900 Building $14,100	$7,900 (-64.09%) Land $7,900
2024	$582.00	$22,000 Land $7,900 Building $14,100
1994			$22,000 Land $7,900 Building $14,100

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land 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 1,993 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
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Verizon.

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