Berks County property record for 642 Locust St, Reading, PA 19604
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,450 sqft · built 1910 |
| Lot Size | 0.03 acres (1,307 sqft) |
| Owner | Company Name on Record |
| Last Sale | $130,000 (May 2026) |
| Tax Bill | $1,013 (2026) |
| Deeds & Mortgages | May 2026 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 5317-54-13-3910 |
| Primary APN | 5317-54-13-3910 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,450 sqft Living Area |
| 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 | Enclosed Porch |
| Cooling System | Central |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 12463250 |
|---|---|
| Street Address | 642 LOCUST ST |
| City | READING |
| State | PA |
| Zip | 19604-2624 |
| 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 | 2007 |
| Census Tract | 1500 |
Source: Berks County records, 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 | Company Name on Record |
|---|---|
| Mailing Address | 642 LOCUST ST, READING, PA 19604-2624 |
| Owner Type | Company |
| Vesting | Trust |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 1, 2026 · Amount on Record |
| Deed Sale | May 1, 2026 · Amount on Record |
| Deed Document Number | 202613366 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | BERKS PA |
| Recording Date | May 1, 2026 |
| Property Address | 642 LOCUST ST, READING, PA 19604-2624 |
| Document Number | 0000013366 |
| Instrument Date | Apr 23, 2026 |
| Instrument | 2026.13366 |
| Transaction Type | Transfer |
| Record Updated | May 13, 2026 |
| Title Company | CAPITAL ASSURANCE GROUP, CAPITAL ASSURANCE GROUP INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $131,300.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 642 LOCUST ST, READING, PA 19604-2624 |
| Document Number | 0000013367, |
|---|---|
| Date | May 1, 2026 |
| Instrument | 2026..13367 |
| Name | FLANAGAN STATE BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.22% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
Source: Berks County assessment roll, as of May 27, 2026
| Type | Name |
|---|---|
| State | Pennsylvania |
| County | Berks County |
| Municipality | Reading City |
| Unified School District | Reading School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,013.00 (+4%) | $35,900 (-) Land $12,000 Building $23,900 | $12,000 (-) Land $12,000 |
| 2025 | $974.00 (+2.53%) Homeowner's exemption | $35,900 (-) Land $12,000 Building $23,900 | $12,000 (-66.57%) Land $12,000 |
| 2024 | $950.00 | $35,900 Land $12,000 Building $23,900 | |
| 1994 | $35,900 Land $12,000 Building $23,900 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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.
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.
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 |
| 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.
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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