730 Locust St, Reading, PA 19604 Property Records

Berks County property record for 730 Locust St, Reading, PA 19604

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,090 sqft · built 1900
Lot Size	0.03 acres (1,307 sqft)
Owner	Individual Name on File
Last Sale	$55,000 (Nov 2020)
Tax Bill	$959 (2026)
Deeds & Mortgages	Nov 2023 Line of Credit Nov 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`5317-54-14-3316`

Property Details

APN / Parcel Number

Primary APN	`5317-54-14-3316`
Alternative APNs	`12-5317-54-14-3316` `12463950` `463950`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,090 sqft Living Area

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Lot Area	1,307 sqft (0.03 acres)
View / Lot	Neighborhood

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Hot Water
Heating Fuel	Oil
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	12463950
Street Address	730 LOCUST ST
City	READING
State	PA
Zip	19604-2518
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	14
Jurisdiction	BERKS PA
Township / Civil Division	READING
Census Block Group	1
Census Block	1006
Census Tract	1500

Owner

730 Locust St is owned and occupied by an individual who bought it in November 2020.

Source: Berks County records, as of June 2, 2026

Owner of Record	Individual Name on File
Mailing Address	730 LOCUST ST, READING, PA 19604-2518
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 14, 2023	Deed of Trust, Mortgage · Line of Credit MANUFACTURERS & TRADERS TRUST CO
Nov 19, 2020	Deed, Transfer · FHA Mortgage MANUFACTURERS & TRADERS TRUST CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 19, 2020 · Amount on File
Deed Sale	Nov 19, 2020 · Amount on File
Prior Sale	Jan 26, 2005 · Amount on File
Deed Document Number	202043956
Record Updated	Oct 29, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERKS PA
Property Address	730 LOCUST ST, READING, PA 19604-2518
Transaction Type	Mortgage
Record Updated	Dec 4, 2023
Title Company	TITLE365 - OMAHA, TITLE365 OMAHA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	730 LOCUST ST, READING, PA 19604-2518

Mortgage

Document Number	0000033635
Date	Nov 14, 2023
Instrument	2023033635

Lender

Name	MANUFACTURERS & TRADERS TRUST CO
Type	Bank
Address	READING, PA 19604

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	BERKS PA
Recording Date	Nov 19, 2020
Property Address	730 LOCUST ST, READING, PA 19604-2518
Document Number	0000043956
Instrument Date	Nov 12, 2020
Instrument	2020043956
Transaction Type	Transfer
Record Updated	May 25, 2021
Title Company	STEWART ABSTRACT

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$550.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	730 LOCUST ST, READING, PA 19604-2518
Investor	Possibly a Property Investor

Mortgage

Document Number	0000043957
Date	Nov 19, 2020
Instrument	2020043957

Lender

Name	MANUFACTURERS & TRADERS TRUST CO
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 730 Locust St was $959 with a homeowner's exemption.

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	$959.00 Homeowner's exemption	$34,000 Land $12,000 Building $22,000	$12,000 Land $12,000
2024	$900.00	$34,000 Land $12,000 Building $22,000
1994			$34,000 Land $12,000 Building $22,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 730 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 730 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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