641 Locust St, Reading, PA 19604 Property Records

Berks County property record for 641 Locust St, Reading, PA 19604

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,369 sqft · built 1910
Lot Size	0.03 acres (1,307 sqft)
Owner	2 Individual Names on Record
Last Sale	$52,000 (May 2017)
Tax Bill	$920 (2026)
Deeds & Mortgages	May 2026 Mortgage May 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`5317-54-13-4856`

Property Details

APN / Parcel Number

Primary APN	`5317-54-13-4856`
Alternative APNs	`12-5317-54-13-4856` `12463225` `463225`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	3 Stories
Building Area	1,369 sqft Living Area

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Lot Area	1,307 sqft (0.03 acres)
View / Lot	Neighborhood
Porch	Open Frame Porch

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	12463225
Street Address	641 LOCUST ST
City	READING
State	PA
Zip	19604-2623
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	13
Jurisdiction	BERKS PA
Township / Civil Division	READING
Census Block Group	2
Census Block	2006
Census Tract	1500

Owner

Source: Berks County records, as of June 4, 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	641 LOCUST ST, READING, PA 19604-2623
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 21, 2026	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC
May 4, 2017	Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 4, 2017 · Amount on Record
Deed Sale	May 4, 2017 · Amount on Record
Prior Sale	Apr 17, 2014
Deed Document Number	201715960
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERKS PA
Recording Date	May 21, 2026
Property Address	641 LOCUST ST, READING, PA 19604-2623
Document Number	0000015945
Instrument Date	May 14, 2026
Instrument	202615945
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	ROCKET CLOSE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	641 LOCUST ST, READING, PA 19604-2623
Investor	Possibly a Property Investor

Mortgage

Document Number	0000015945,
Date	May 21, 2026
Instrument	202615945

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate	6.3%
Max Rate	-1%

May 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	BERKS PA
Recording Date	May 4, 2017
Property Address	641 LOCUST ST, READING, PA 19604-2623
Document Number	0000015960
Instrument Date	May 1, 2017
Instrument	2017015960
Transaction Type	Transfer
Record Updated	May 25, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	641 LOCUST ST, READING, PA 19604-2623

Mortgage

Document Number	0000015961
Date	May 4, 2017
Instrument	2017015961

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2047

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	$920.00 (+6.6%)	$32,600 (-) Land $11,800 Building $20,800	$11,800 (-63.8%) Land $11,800
2024	$863.00	$32,600 Land $11,800 Building $20,800
1994			$32,600 Land $11,800 Building $20,800

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

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	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 2,831 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

May also be available: Frontier, T-Mobile, Verizon.

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