945 Cotton St, Reading, PA 19602 Property Records

Berks County property record for 945 Cotton St, Reading, PA 19602

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,374 sqft · built 1900
Lot Size	0.02 acres (871 sqft)
Owner	Company Name on Record
Last Sale	$5,000 (Dec 2019)
Tax Bill	$14 (2026)
Deeds & Mortgages	Mar 2024 Sale & Mortgage Jul 2021 Sale + 3 more
Flood Zone	Zone X (minimal risk)
APN	`5316-29-07-3889`

Property Details

APN / Parcel Number

Primary APN	`5316-29-07-3889`
Alternative APNs	`02-5316-29-07-3889` `2326075` `326075`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,374 sqft Living Area

Exterior

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

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	2326075
Street Address	945 COTTON ST
City	READING
State	PA
Zip	19602-2552
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	73
Jurisdiction	BERKS PA
Township / Civil Division	READING
Census Block Group	1
Census Block	1008
Census Tract	2200

Owner

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

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

Owner of Record	Company Name on Record
Mailing Address	435 FERN AVE, READING, PA 19611-1907
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Mar 7, 2024	Deed, Transfer · Commercial Mortgage CV3 FINANCIAL SERVICES LLC
Jul 23, 2021	Quit Claim Deed, Transfer BEST ABSTRACT LLC, ABES ABSTRACT LLC
Oct 7, 2020	Grant Deed, Transfer NOT AVAILABLE
Dec 18, 2019	Grant Deed, Transfer NOT AVAILABLE
Aug 14, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 18, 2019 · Amount on Record
Deed Sale	Dec 18, 2019 · Amount on Record
Prior Sale	Aug 14, 2018 · Amount on Record
Deed Document Number	201944396
Last Transfer Date	Nov 30, 2021
Transfer Doc	0000002543
Record Updated	Sep 20, 2026

March 2024: Deed, Transfer

Document Type	Deed
Jurisdiction	BERKS PA
Recording Date	Mar 7, 2024
Property Address	945 COTTON ST, READING, PA 19602-2552
Document Number	0000006750
Instrument Date	Mar 1, 2024
Instrument	2024006750
Transaction Type	Transfer
Record Updated	Mar 26, 2024
Title Company	PREMIER SETTLEMENTS

Transaction

Amount	Amount Recorded
Tax	$12.55
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	945 COTTON ST, READING, PA 19602-2552

Mortgage

Document Number	0000007483
Date	Mar 14, 2024
Instrument	2024007483

Lender

Name	CV3 FINANCIAL SERVICES LLC
Type	Mortgage Company
Address	EL SEGUNDO, CA 90245

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2054

July 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BERKS PA
Recording Date	Jul 23, 2021
Property Address	945 COTTON ST, READING, PA 19602-2552
Document Number	0000036798
Instrument Date	Jul 19, 2021
Instrument	2021036798
Transaction Type	Transfer
Record Updated	Dec 12, 2022
Title Company	BEST ABSTRACT LLC, ABES ABSTRACT LLC

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	718 MADISON AVE, READING, PA 19601-2528

October 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	BERKS PA
Recording Date	Oct 7, 2020
Property Address	945 COTTON ST, READING, PA 19602-2552
Document Number	0000036775
Instrument Date	Feb 14, 2020
Instrument	36775
Transaction Type	Transfer
Record Updated	Oct 19, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Tax	$50.00
Amount Accuracy	Confirmed
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	432 N 9TH ST READING PA 196013115, READING, PA 19601-3115

December 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	BERKS PA
Recording Date	Dec 18, 2019
Property Address	945 COTTON ST, READING, PA 19602-2552
Document Number	0000044396
Instrument Date	Dec 14, 2019
Instrument	44396
Transaction Type	Transfer
Record Updated	Jan 7, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Tax	$50.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	641 BINGAMAN ST ## READING PA 19602, #, READING, PA 19602

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BERKS PA
Recording Date	Aug 14, 2018
Property Address	945 COTTON ST, READING, PA 19602-2552
Document Number	0000027600
Instrument Date	Aug 14, 2018
Instrument	27600
Transaction Type	Transfer
Record Updated	Aug 28, 2018

Transaction

Amount	Amount Recorded
Tax	$150.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1388 PERKIOMEN AVE READING PA 196022156, READING, PA 19602-2156

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	$14.00 (+7.69%)	$500 (-) Land $200 Building $300	$200 (-) Land $200
2025	$13.00	$500 (-) Land $200 Building $300	$200 (-6%) Land $200
2024	$13.00 (-38.1%)	$500 (-) Land $200 Building $300
2023	$21.00	$500 Land $200 Building $300
1994			$500 Land $200 Building $300

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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	Direct burnable vegetation

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.

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