647 Locust St, Reading, PA 19604 Property Records

Berks County property record for 647 Locust St, Reading, PA 19604

Property Summary

Property Type	Multi-Family Dwellings
Details	5 bd · 2 ba · 1,500 sqft · built 1910
Lot Size	0.03 acres (1,307 sqft)
Owner	2 Individual Names on File
Last Sale	$120,000 (Mar 2023)
Tax Bill	$564 (2026)
Deeds & Mortgages	Mar 2023 Sale & Mortgage Mar 2021 Transfer
Flood Zone	Zone X (minimal risk)
APN	`5317-54-13-4950`

Property Details

APN / Parcel Number

Primary APN	`5317-54-13-4950`
Alternative APNs	`12-5317-54-13-4950` `463375`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Units	2 Units
Stories	3 Stories
Building Area	1,500 sqft Living Area

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Architectural Style	Multi-Family
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	Hot Water
Heating Fuel	Oil
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	647 LOCUST ST
City	MERTZTOWN
State	PA
Zip	19539
Property Category	Residential
Property Type	Residential > Multi-Unit > Multi-Family Dwellings
Legal Block	13
Jurisdiction	BERKS PA
Township / Civil Division	READING
Census Block Group	2
Census Block	2006
Census Tract	1500

Owner

647 Locust St, a residential property, is owned by two individuals who bought it in March 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	29 ROSWELL AVE, STATEN ISLAND, NY 10314-4715
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
Mar 23, 2023	Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA
Mar 17, 2021	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 23, 2023 · Amount on File
Deed Sale	Mar 23, 2023 · Amount on File
Prior Sale	Mar 28, 2014 · Amount on File
Deed Document Number	20238302
Prior Transfer Date	Mar 1, 2021
Prior Transfer Doc	0000012662
Record Updated	Oct 29, 2026

March 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	BERKS PA
Recording Date	Mar 23, 2023
Property Address	647 LOCUST ST, READING, PA 19604-2623
Document Number	0000008302
Instrument Date	Mar 21, 2023
Instrument	2023008302
Transaction Type	Transfer
Record Updated	May 17, 2023
Title Company	KEYSTONE TITLE SERVICES

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,200.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	29 ROSWELL AVE, STATEN ISLAND, NY 10314-4715

Mortgage

Document Number	0000008303
Date	Mar 23, 2023
Instrument	2023008303

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2053

March 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BERKS PA
Recording Date	Mar 17, 2021
Property Address	647 LOCUST ST, READING, PA 19604-2623
Document Number	0000012662
Instrument Date	Mar 1, 2021
Instrument	2021012662
Transaction Type	Transfer
Record Updated	Dec 12, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2847 KUTZTOWN RD # 4, 4, READING, PA 19605-2654

Tax Assessment & Valuation

The 2026 property tax bill for 647 Locust St was $564.

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	$564.00	$20,000 Land $10,200 Building $9,800	$10,200 Land $10,200
2024	$529.00	$20,000 Land $10,200 Building $9,800
1994			$20,000 Land $10,200 Building $9,800

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 647 Locust 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 647 Locust 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	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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