Berks County property record for 804 Joan Ter, Reading, PA 19611
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,324 sqft · built 1973 |
| Lot Size | 0.05 acres (2,178 sqft) |
| Owner | Individual Name on File |
| Last Sale | $210,000 (Nov 2024) |
| Tax Bill | $1,668 (2026) |
| Deeds & Mortgages | Feb 2023 Second Mortgage Nov 2024 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 5306-39-36-1629 |
| Primary APN | 5306-39-36-1629 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,324 sqft Living Area |
| Basement Area | 192 sqft |
| Game Room | Game Room |
| Year Built | Built 1973 |
|---|---|
| Effective Year Built | Effective 1973 |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 2,178 sqft (0.05 acres) |
| View / Lot | Neighborhood |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 18435075 |
|---|---|
| Street Address | 804 JOAN TC |
| City | READING |
| State | PA |
| Zip | 19611 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Subdivision | SUMMIT CHASE |
| Legal Block | 36 |
| Legal Lot Number | 87 |
| Jurisdiction | BERKS PA |
| Township / Civil Division | READING |
| Census Block Group | 1 |
| Census Block | 1025 |
| Census Tract | 2600 |
804 Joan Ter is owned by an individual who bought it in November 2024.
Source: Berks County records, as of May 27, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 804 JOAN TER, READING, PA 19611-1502 |
| Owner Type | Individual |
| Vesting | Sole Owner |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Feb 3, 2023 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage DIAMOND CU |
| Nov 12, 2024 | Deed, Transfer · Conventional Mortgage LOANDEPOT.COM LLC |
| Oct 4, 2022 | Deed, Transfer · Stand-Alone Second Mortgage CHANGTH YANG |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 12, 2024 · Amount on File |
| Deed Sale | Nov 12, 2024 · Amount on File |
| Prior Sale | Oct 4, 2022 · Amount on File |
| Deed Document Number | 202434515 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERKS PA |
| Property Address | 804 JOAN TER, WEST READING, PA 19611-1502 |
| Transaction Type | Mortgage |
| Record Updated | Apr 30, 2026 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 0000003307 |
|---|---|
| Date | Feb 3, 2023 |
| Instrument | 2023003307 |
| Name | DIAMOND CU |
|---|---|
| Type | Credit Union |
| Address | POTTSTOWN, PA 19464 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Feb 1, 2033 |
| Document Type | Deed |
|---|---|
| Jurisdiction | BERKS PA |
| Recording Date | Nov 12, 2024 |
| Property Address | 804 JOAN TER, WEST READING, PA 19611-1502 |
| Document Number | 0000034515 |
| Instrument Date | Nov 8, 2024 |
| Instrument | 2024034515 |
| Transaction Type | Transfer |
| Record Updated | Apr 30, 2026 |
| Title Company | FREEDOM SETTLEMENT GROUP LLC |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,100.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 804 JOAN TER, READING, PA 19611-1502 |
| Document Number | 0000034516 |
|---|---|
| Date | Nov 12, 2024 |
| Instrument | 2024034516 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2054 |
| Document Number | 0000034517 |
|---|---|
| Date | Nov 12, 2024 |
| Instrument | 2024034517 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Address | 6561 IRVINE CENTER DR, IRVINE, CA 92618 |
| Amount | Amount on Record |
|---|---|
| Term | 120 Months |
| Due | Nov 11, 2034 |
| Document Type | Deed |
|---|---|
| Jurisdiction | BERKS PA |
| Recording Date | Oct 4, 2022 |
| Property Address | 804 JOAN TER, WEST READING, PA 19611-1502 |
| Document Number | 0000039362 |
| Map Reference | VOL 3 PG 12 |
| Instrument Date | Sep 27, 2022 |
| Instrument | 2022039362 |
| Transaction Type | Transfer |
| Record Updated | Apr 30, 2026 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,000.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2 ALBERT LN, READING, PA 19607-9365 |
| Investor | Possibly a Property Investor |
| Document Number | 0000039363 |
|---|---|
| Date | Oct 4, 2022 |
| Instrument | 2022039363 |
| Name | CHANGTH YANG |
|---|---|
| Type | Private Party |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
The 2026 property tax bill for 804 Joan Ter was $1,668.
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 | $1,668.00 | $59,100 Land $17,300 Building $41,800 | $17,300 Land $17,300 |
| 2024 | $1,564.00 | $59,100 Land $17,300 Building $41,800 | |
| 1994 | $59,100 Land $17,300 Building $41,800 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 804 Joan Ter in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1986.
Source: FEMA National Flood Hazard Layer, effective February 26, 2018 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 3 in force |
| Nearby Flood Claims | 1 (1986) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Jul 1986 · other causes |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Wildfire risk around 804 Joan Ter is low, with less than 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 98% of the US · lower than 98.3% of Pennsylvania |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond 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 155 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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