540 S 14th St, Reading, PA 19602 Property Records

Berks County property record for 540 S 14th St, Reading, PA 19602

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,474 sqft · built 1900
Lot Size	0.05 acres (2,178 sqft)
Owner	Individual Name on File
Last Sale	$45,000 (Nov 2022)
Tax Bill	$448 (2026)
Deeds & Mortgages	Feb 2023 Mortgage Nov 2022 Sale
Flood Zone	Zone X (minimal risk)
APN	`5316-39-27-5457`

Property Details

APN / Parcel Number

Primary APN	`5316-39-27-5457`
Alternative APNs	`16-5316-39-27-5457` `16217150` `217150`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,474 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	Enclosed Porch

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	16217150
Street Address	540 S 14TH ST
City	READING
State	PA
Zip	19602-2143
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	27
Jurisdiction	BERKS PA
Township / Civil Division	READING
Census Block Group	2
Census Block	2015
Census Tract	2002

Owner

540 S 14th St is owned by an individual who bought it in November 2022.

Source: Berks County records, as of May 27, 2026

Owner of Record	Individual Name on File
Mailing Address	1010 VICTORIA DR, READING, PA 19605-3285
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
Feb 8, 2023	Deed of Trust, Mortgage · Balloon Mortgage INSURANCE & SURETY BONDS LLC
Nov 30, 2022	Deed, Transfer CONESTOGA TITLE COMPANY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 30, 2022 · Amount on File
Deed Sale	Nov 30, 2022 · Amount on File
Prior Sale	Oct 15, 2014 · Amount on File
Deed Document Number	202246077
Record Updated	Oct 29, 2026

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERKS PA
Property Address	540 S 14TH ST, READING, PA 19602-2143
Transaction Type	Mortgage
Record Updated	Sep 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	540 S 14TH ST, READING, PA 19602-2143

Mortgage

Document Number	0000003599
Date	Feb 8, 2023
Instrument	2023003599

Lender

Name	INSURANCE & SURETY BONDS LLC
Type	Non-Lending Institution
Address	READING, PA 19601

Agreement

Type	Balloon Mortgage
Amount	Amount on Record

November 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	BERKS PA
Recording Date	Nov 30, 2022
Property Address	540 S 14TH ST, READING, PA 19602-2143
Document Number	0000046077
Instrument Date	Nov 30, 2022
Instrument	2022046077
Transaction Type	Transfer
Record Updated	Dec 13, 2022
Title Company	CONESTOGA TITLE COMPANY

Transaction

Amount	Amount on Record
Tax	$450.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	101 VICTORIA LN, READING, PA 19610-1400

Tax Assessment & Valuation

The 2026 property tax bill for 540 S 14th St was $448.

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	$448.00	$15,900 Land $9,100 Building $6,800	$9,100 Land $9,100
2024	$420.00 (-39.57%)	$15,900 (-) Land $9,100 Building $6,800
2023	$695.00	$15,900 Land $9,100 Building $6,800
1994			$15,900 Land $9,100 Building $6,800

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 540 S 14th 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 540 S 14th 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 1,753 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

May also be available: Greenlight Networks.

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