614 Spruce St, Reading, PA 19602 Property Records

Berks County property record for 614 Spruce St, Reading, PA 19602

Property Summary

Property Type	Single Family Home
Details	5 bd · 1 ba · 1,632 sqft · built 1900
Lot Size	0.03 acres (1,307 sqft)
Owner	Individual Name on File
Last Sale	$145,000 (Dec 2022)
Tax Bill	$510 (2026)
Deeds & Mortgages	Feb 2026 Line of Credit Dec 2022 Second Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`5306-35-88-5484`

Property Details

APN / Parcel Number

Primary APN	`5306-35-88-5484`
Alternative APNs	`02-5306-35-88-5484` `646950`

Interior

Bedrooms	5 Beds
Full Baths	1 Bath
Total Rooms	8 Rooms
Stories	3 Stories
Building Area	1,632 sqft Living Area

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Lot Area	1,307 sqft (0.03 acres)
View / Lot	Neighborhood
Deck Area	Deck Area

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	614 SPRUCE ST
City	READING
State	PA
Zip	19602-2455
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	85
Jurisdiction	BERKS PA
Township / Civil Division	READING
Census Block Group	1
Census Block	1011
Census Tract	2300

Owner

614 Spruce St is owned and occupied by an individual who bought it in December 2022.

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

Owner of Record	Individual Name on File
Mailing Address	614 SPRUCE ST, READING, PA 19602-2455
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
Feb 5, 2026	Deed of Trust, Mortgage · Line of Credit VISIONS FCU
Dec 7, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage NEIGHBORHOOD HOUSING SERVICE
Dec 7, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage NEIGHBORHOOD HOUSING SERVICE
Dec 7, 2022	Deed, Transfer · FHA Mortgage PLAZA HOME MORTGAGE INC
Oct 10, 2019	Grant Deed, Transfer SAFEGUARD PROPERTY TRANSFER INC, SAFEGUARD PROP TRANSFER INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 7, 2022 · Amount on File
Deed Sale	Dec 7, 2022 · Amount on File
Prior Sale	Oct 10, 2019 · Amount on File
Deed Document Number	202246948
Record Updated	Sep 20, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERKS PA
Property Address	614 SPRUCE ST, READING, PA 19602-2455
Transaction Type	Mortgage
Record Updated	Feb 20, 2026
Title Company	STEWART ABSTRACT AND TITLE, STEWART ABSTRACT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	614 SPRUCE ST, READING, PA 19602-2455

Mortgage

Document Number	0000003607
Date	Feb 5, 2026
Instrument	2026003607

Lender

Name	VISIONS FCU
Type	Credit Union
Address	24 MCKINLEY AVE, ENDICOTT, NY 13760

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Jan 25, 2056

Interest

Change Frequency	Monthly

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERKS PA
Property Address	614 SPRUCE ST, READING, PA 19602-2455
Transaction Type	Mortgage
Record Updated	Dec 22, 2022
Title Company	DIANA EDWARDS SENTRY ABSTRAC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000046951
Date	Dec 7, 2022
Instrument	2022046951

Lender

Name	NEIGHBORHOOD HOUSING SERVICE
Type	Government Agency
Address	READING, PA 19601

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERKS PA
Property Address	614 SPRUCE ST, READING, PA 19602-2455
Transaction Type	Mortgage
Record Updated	Dec 22, 2022
Title Company	SENTRY ABSTRACT COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000046950
Date	Dec 7, 2022
Instrument	2022046950

Lender

Name	NEIGHBORHOOD HOUSING SERVICE
Type	Government Agency
Address	READING, PA 19601

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	241 Months
Due	Jan 1, 2043

December 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	BERKS PA
Recording Date	Dec 7, 2022
Property Address	614 SPRUCE ST, READING, PA 19602-2455
Document Number	0000046948
Instrument Date	Nov 10, 2022
Instrument	2022046948
Transaction Type	Transfer
Record Updated	Dec 22, 2022
Title Company	SENTRY ABSTRACT CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,450.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	614 SPRUCE ST, READING, PA 19602-2455

Mortgage

Document Number	0000046949
Date	Dec 7, 2022
Instrument	2022046949

Lender

Name	PLAZA HOME MORTGAGE INC
Type	Mortgage Company
Address	SAN DIEGO, CA 92121

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2053

October 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	BERKS PA
Recording Date	Oct 10, 2019
Property Address	614 SPRUCE ST, READING, PA 19602-2455
Document Number	0000035107
Instrument Date	Sep 27, 2019
Instrument	35107
Transaction Type	Transfer
Record Updated	Oct 23, 2019
Title Company	SAFEGUARD PROPERTY TRANSFER INC, SAFEGUARD PROP TRANSFER INC

Transaction

Amount	Amount on Record
Tax	$160.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	606 COURT ST #3RD READING PA 196013542, 3RD, READING, PA 19601-3542

Tax Assessment & Valuation

The 2026 property tax bill for 614 Spruce St was $510.

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	$510.00	$18,100 Land $3,800 Building $14,300	$3,800 Land $3,800
2024	$479.00	$18,100 Land $3,800 Building $14,300
1994			$18,100 Land $3,800 Building $14,300

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 614 Spruce 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 614 Spruce 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	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 1,875 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, Greenlight Networks, T-Mobile, Verizon.

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