915 Culvert St, Reading, PA 19602 Property Records

Berks County property record for 915 Culvert St, Reading, PA 19602

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 844 sqft · built 1900
Lot Size	0.01 acres (436 sqft)
Owner	2 Individual Names on Record
Last Sale	$96,000 (Sep 2026)
Tax Bill	$649 (2026)
Deeds & Mortgages	Sep 2026 Sale & Mortgage Sep 2023 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`5316-29-08-1036`

Property Details

APN / Parcel Number

Primary APN	`5316-29-08-1036`
Alternative APNs	`02-5316-29-08-1036` `2342050` `342050`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	844 sqft Living Area

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Lot Area	436 sqft (0.01 acres)
View / Lot	Neighborhood

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	2342050
Street Address	915 CULVERT ST
City	READING
State	PA
Zip	19602-2529
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	81
Jurisdiction	BERKS PA
Township / Civil Division	READING
Census Block Group	1
Census Block	1006
Census Tract	2200

Owner

Source: Berks County records, as of October 13, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	84 CAYUGA AVE, STATEN ISLAND, NY 10301-4311
Owner Type	Individual
Vesting	Tenants in Common

Deeds, Mortgages & Sale History

Date	Document
Sep 18, 2026	Deed, Transfer · Conventional Mortgage NATIONS DIRECT MORTGAGE
Sep 12, 2023	Deed of Trust, Mortgage · Line of Credit ALLISON Q GERHART

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 18, 2026 · Amount on Record
Deed Sale	Sep 18, 2026 · Amount on Record
Prior Sale	Jan 7, 1998 · Amount on Record
Deed Document Number	202631459
Prior Transfer Date	Dec 29, 2014
Prior Transfer Doc	0000042958
Record Updated	Oct 29, 2026

September 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	BERKS PA
Recording Date	Sep 18, 2026
Property Address	915 CULVERT ST, READING, PA 19602-2529
Document Number	0000031459
Instrument Date	Sep 16, 2026
Instrument	202631459
Transaction Type	Transfer
Record Updated	Oct 6, 2026
Title Company	FREEDOM SETTLEMENT GROUP LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$96,960.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	84 CAYUGA AVE, STATEN ISLAND, NY 10301-4311

Mortgage

Document Number	0000031460,
Date	Sep 18, 2026
Instrument	202631460

Lender

Name	NATIONS DIRECT MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERKS PA
Property Address	915 CULVERT ST, READING, PA 19602-2529
Transaction Type	Mortgage
Record Updated	Sep 27, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	733 WYOMISSING BLVD, WYOMISSING, PA 19610-2269

Mortgage

Document Number	0000027086
Date	Sep 12, 2023
Instrument	2023027086

Lender

Name	ALLISON Q GERHART
Type	Private Party
Address	105 CHRISTINA LANDING DR APT 2202, WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	Sep 1, 2028

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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	$649.00 (+6.74%)	$23,000 (-) Land $4,400 Building $18,600	$4,400 (-80.87%) Land $4,400
2024	$608.00	$23,000 Land $4,400 Building $18,600
1994			$23,000 Land $4,400 Building $18,600

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

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	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 1,875 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: AT&T, Greenlight Networks, T-Mobile, Verizon.

Nearby Properties on Culvert St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures