645 N 3rd St, Reading, PA 19601 Property Records

Berks County property record for 645 N 3rd St, Reading, PA 19601

Property Summary

Property Type	Multi-Family Dwellings
Details	5 bd · 3 ba · 2,375 sqft · built 1903
Lot Size	0.04 acres (1,742 sqft)
Owner	Company Name on Record
Tax Bill	$1,408 (2026)
Deeds & Mortgages	Mar 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`5307-58-63-8952`

Property Details

APN / Parcel Number

Primary APN	`5307-58-63-8952`
Alternative APNs	`14-5307-58-63-8952` `14057775` `057775`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Total Rooms	10 Rooms
Units	3 Units
Stories	3 Stories
Building Area	2,375 sqft Living Area

Exterior

Year Built	Built 1903
Effective Year Built	Effective 1903
Architectural Style	Multi-Family
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	HVAC
Heating Fuel	Oil
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	14057775
Street Address	645 N 3RD ST
City	READING
State	PA
Zip	19601-2857
Property Category	Residential
Property Type	Residential > Multi-Unit > Multi-Family Dwellings
Legal Block	63
Jurisdiction	BERKS PA
Township / Civil Division	READING
Census Block Group	2
Census Block	2009
Census Tract	900

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

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	8101 120TH ST, SEMINOLE, FL 33772-4526
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

March 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	BERKS PA
Recording Date	Mar 22, 2017
Property Address	645 N 3RD ST, READING, PA 19601-2857
Document Number	0000010116
Instrument Date	Mar 20, 2017
Instrument	10116
Transaction Type	Transfer
Record Updated	Apr 26, 2017
Title Company	WYOMISSING ABSTRACT LLC, WYOMISSING ABS LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,230.00
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 29 LENHARTSVILLE PA 195340029, LENHARTSVILLE, PA 19534-0029

Mortgage

Document Number	10117
Date	Mar 22, 2017
Instrument	10117

Lender

Name	DIAMOND CREDIT UNION
Address	1600 MEDICAL DR, POTTSTOWN, PA 19464-3242

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Mar 21, 2027

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	$1,408.00 (+6.59%)	$49,900 (-) Land $5,800 Building $44,100	$5,800 (-88.38%) Land $5,800
2024	$1,321.00	$49,900 Land $5,800 Building $44,100
1994			$49,900 Land $5,800 Building $44,100

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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	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 989 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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