Berks County property record for 923 Cotton St, Reading, PA 19602
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,050 sqft · built 1900 |
| Lot Size | 0.02 acres (871 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $691 (2026) |
| Deeds & Mortgages | Sep 2026 Line of Credit May 2017 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 5316-29-07-1990 |
| Primary APN | 5316-29-07-1990 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,050 sqft Living Area |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Exterior Material | Brick |
| Construction Type | Masonry / Concrete Block |
| Lot Area | 871 sqft (0.02 acres) |
| View / Lot | Neighborhood |
| Cooling System | Central |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Oil |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 2325800 |
|---|---|
| Street Address | 923 COTTON ST |
| City | READING |
| State | PA |
| Zip | 19602-2523 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Block | 71 |
| Jurisdiction | BERKS PA |
| Township / Civil Division | READING |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 2200 |
923 Cotton St is owned and occupied by two individuals who acquired it in July 2001.
Source: Berks County records, as of October 6, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 923 COTTON ST, READING, PA 19602-2523 |
| 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.
| Date | Document |
|---|---|
| Sep 28, 2026 | Deed of Trust, Mortgage · Line of Credit GUARANTEED RATE |
| May 16, 2017 | Deed of Trust, Mortgage · Line of Credit DIAMOND CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Jul 26, 2001 |
| Transfer Doc | 0000041019 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERKS PA |
| Recording Date | Sep 28, 2026 |
| Property Address | 923 COTTON ST, READING, PA 19602-2523 |
| Document Number | 0000032466 |
| Instrument Date | Sep 17, 2026 |
| Instrument | 202632466 |
| Transaction Type | Mortgage |
| Record Updated | Oct 9, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 923 COTTON ST, READING, PA 19602-2523 |
| Document Number | 0000032466, |
|---|---|
| Date | Sep 28, 2026 |
| Instrument | 202632466 |
| Name | GUARANTEED RATE |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Max Rate | -1% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERKS PA |
| Property Address | 923 COTTON ST, READING, PA 19602-2523 |
| Document Number | 0000018185 |
| Instrument Date | May 16, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jul 24, 2017 |
| Name | Verified Name |
|---|---|
| Address | 923 COTTON ST READING PA 196022523, READING, PA 19602-2523 |
| Document Number | 0000018185 |
|---|---|
| Date | May 23, 2017 |
| Instrument | 18185 |
| Name | DIAMOND CU |
|---|---|
| Address | POTTSTOWN, PA 19464 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 60 Months |
| Due | May 22, 2022 |
| Rate Type | Adjustable Rate |
|---|
The 2026 property tax bill for 923 Cotton St was $691 with a homeowner's exemption.
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 | $691.00 Homeowner's exemption | $24,500 Land $5,500 Building $19,000 | $5,500 Land $5,500 |
| 2024 | $648.00 | $24,500 Land $5,500 Building $19,000 | |
| 1994 | $24,500 Land $5,500 Building $19,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 923 Cotton 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 risk around 923 Cotton 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 | Direct burnable vegetation |
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 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.
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