635 N Front St, Reading, PA 19601 Property Records

Berks County property record for 635 N Front St, Reading, PA 19601

Property Summary

Property Type	Single Family Home
Details	5 bd · 1 ba · 1,886 sqft · built 1900
Lot Size	0.04 acres (1,742 sqft)
Owner	2 Individual Names on File
Last Sale	$165,000 (Nov 2023)
Tax Bill	$573 (2026)
Deeds & Mortgages	Nov 2023 Second Mortgage Nov 2023 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`5307-57-53-7864`

Property Details

APN / Parcel Number

Primary APN	`5307-57-53-7864`
Alternative APNs	`15-5307-57-53-7864` `15044000` `044000`

Interior

Bedrooms	5 Beds
Full Baths	1 Bath
Total Rooms	8 Rooms
Stories	3 Stories
Building Area	1,886 sqft Living Area

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Lot Area	1,742 sqft (0.04 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	15044000
Street Address	635 N FRONT ST
City	READING
State	PA
Zip	19601-2425
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	53
Jurisdiction	BERKS PA
Township / Civil Division	READING
Census Block Group	1
Census Block	1005
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

635 N Front St is owned and occupied by two individuals who bought it in November 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	635 N FRONT ST, READING, PA 19601-2425
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
Nov 17, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage NEIGHBORHOOD HOUSING SERVICE
Nov 17, 2023	Deed, Transfer · FHA Mortgage ROCKET MORTGAGE LLC
Nov 10, 2022	Deed of Trust, Mortgage · Conventional Mortgage SUN FCU
Jul 20, 2022	Deed, Transfer · Stand-Alone First Mortgage PRIME FUNDING GROUP LLC
Jun 28, 2022	Deed, Transfer · Stand-Alone First Mortgage JOSUE MORALES IRA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 17, 2023 · Amount on File
Deed Sale	Nov 17, 2023 · Amount on File
Prior Sale	Jul 20, 2022 · Amount on File
Deed Document Number	202334222
Record Updated	Oct 29, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERKS PA
Property Address	635 N FRONT ST, READING, PA 19601-2425
Transaction Type	Mortgage
Record Updated	Dec 12, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000034225
Date	Nov 17, 2023
Instrument	2023034225

Lender

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

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record

November 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	BERKS PA
Recording Date	Nov 17, 2023
Property Address	635 N FRONT ST, READING, PA 19601-2425
Document Number	0000034222
Instrument Date	Nov 7, 2023
Instrument	2023034222
Transaction Type	Transfer
Record Updated	Dec 12, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,650.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	635 N FRONT ST, READING, PA 19601-2425

Mortgage

Document Number	0000034223
Date	Nov 17, 2023
Instrument	2023034223

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

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

Mortgage

Document Number	0000034224
Date	Nov 17, 2023
Instrument	2023034224

Lender

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

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	121 Months
Due	Dec 1, 2033

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERKS PA
Property Address	635 N FRONT ST, READING, PA 19601-2425
Transaction Type	Mortgage
Record Updated	Dec 12, 2022
Title Company	STEWART ABSTRACT

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000044097
Date	Nov 10, 2022
Instrument	2022044097

Lender

Name	SUN FCU
Type	Credit Union
Address	MAUMEE, OH 43537

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Dec 1, 2042

Interest

Rate Type	Adjustable Rate
Rate	5.5%
Type Change Date	Dec 1, 2027
Change Frequency	5 Years
Min Rate At Change	4.5%
Max Rate At Change	10.5%
Index	5-Year TN
Max Rate	10.5%

July 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	BERKS PA
Recording Date	Jul 20, 2022
Property Address	635 N FRONT ST, READING, PA 19601-2425
Document Number	0000029128
Instrument Date	Jul 18, 2022
Instrument	2022029128
Transaction Type	Transfer
Record Updated	Dec 12, 2022
Title Company	STEWART ABSTRACT AND TITLE, STEWART ABSTRACT

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$950.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2313 DEBRA AVE, EAST PETERSBURG, PA 17520-1404

Mortgage

Document Number	0000029129
Date	Jul 20, 2022
Instrument	2022029129

Lender

Name	PRIME FUNDING GROUP LLC
Type	Non-Lending Institution

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

June 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	BERKS PA
Recording Date	Jun 28, 2022
Property Address	635 N FRONT ST, READING, PA 19601-2425
Document Number	0000025813
Instrument Date	Jun 17, 2022
Instrument	2022025813
Transaction Type	Transfer
Record Updated	Dec 12, 2022
Title Company	STEWART ABSTRACT AND TITLE, STEWART ABSTRACT

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$800.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1515 N 12TH ST, READING, PA 19604-1832

Mortgage

Document Number	0000025814
Date	Jun 28, 2022
Instrument	2022025814

Lender

Name	JOSUE MORALES IRA
Type	Non-Lending Institution

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 635 N Front St was $573.

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	$573.00	$20,300 Land $7,000 Building $13,300	$7,000 Land $7,000
2024	$537.00 (-39.46%)	$20,300 (-) Land $7,000 Building $13,300
2023	$887.00	$20,300 Land $7,000 Building $13,300
1994			$20,300 Land $7,000 Building $13,300

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 635 N Front 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

The area around 635 N Front St has no burnable land within ember reach, so its wildfire risk is not rated.

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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