945 Elm St, Reading, PA 19601 Property Records

Berks County property record for 945 Elm St, Reading, PA 19601

Property Summary

Property Type	Multi-Family Dwellings
Details	4 bd · 4 ba · 2,232 sqft · built 1900
Lot Size	0.04 acres (1,742 sqft)
Owner	Individual Name on Record
Last Sale	$211,000 (Mar 2022)
Tax Bill	$815 (2026)
Deeds & Mortgages	Mar 2022 Sale & Mortgage Jul 2018 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`5317-69-01-4988`

Property Details

APN / Parcel Number

Primary APN	`5317-69-01-4988`
Alternative APNs	`09-5317-69-01-4988` `9365050` `365050`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Total Rooms	12 Rooms
Units	8 Units
Stories	2 Stories
Building Area	2,232 sqft Living Area

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Multi-Family
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Lot Area	1,742 sqft (0.04 acres)
View / Lot	Neighborhood
Porch	Open Frame Porch

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	9365050
Street Address	945 ELM ST
City	READING
State	PA
Zip	19601-3268
Property Category	Residential
Property Type	Residential > Multi-Unit > Multi-Family Dwellings
Legal Block	14
Jurisdiction	BERKS PA
Township / Civil Division	READING
Census Block Group	1
Census Block	1020
Census Tract	1700

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	Individual Name on Record
Mailing Address	945 ELM ST, READING, PA 19601-3268
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 2, 2022	Special Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
Jul 27, 2018	Trustee's Deed, Construction Loan · Line of Credit COMMUNITY FIRST FND
Oct 11, 2017	Grant Deed, Transfer · Construction Mortgage CRESPO REALTY INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 2, 2022 · Amount on Record
Deed Sale	Mar 2, 2022 · Amount on Record
Prior Sale	Oct 11, 2017 · Amount on Record
Deed Document Number	20228773
Record Updated	Oct 29, 2026

March 2022: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	BERKS PA
Recording Date	Mar 2, 2022
Property Address	945 ELM ST, READING, PA 19601-3268
Document Number	0000008773
Instrument Date	Feb 23, 2022
Instrument	2022008773
Transaction Type	Transfer
Record Updated	Dec 12, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,110.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	945 ELM ST, READING, PA 19601-3268

Mortgage

Document Number	0000008774
Date	Mar 2, 2022
Instrument	2022008774

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2052

July 2018: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	BERKS PA
Recording Date	Jul 27, 2018
Property Address	945 ELM ST, READING, PA 19601-3268
Instrument Date	Jul 25, 2018
Instrument	25163
Transaction Type	Construction Loan
Record Updated	Aug 7, 2018

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	505 N 14TH ST READING PA 196042716, READING, PA 19604-2716

Mortgage

Document Number	0000025163
Date	Jul 27, 2018
Instrument	25163

Lender

Name	COMMUNITY FIRST FND
Type	Funding / Finance Company
Address	LANCASTER, PA 17608-0524

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	Jul 26, 2019

Interest

Rate Type	Adjustable Rate

October 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	BERKS PA
Recording Date	Oct 11, 2017
Property Address	945 ELM ST, READING, PA 19601-3268
Document Number	0000037680
Instrument Date	Oct 10, 2017
Instrument	37680
Transaction Type	Transfer
Record Updated	Jan 11, 2019
Title Company	CONESTOGA TITLE INSURANCE COMPANY, CONESTOGA TITLE INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$600.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	505 N 14TH ST READING PA 196042716, READING, PA 19604-2716

Mortgage

Document Number	37682
Date	Oct 11, 2017
Instrument	37682

Lender

Name	CRESPO REALTY INC
Address	613 N 9TH ST, READING, PA 19604-2630

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Oct 10, 2018

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	$815.00 (+6.54%)	$28,900 (-) Land $7,600 Building $21,300	$7,600 (-73.7%) Land $7,600
2024	$765.00	$28,900 Land $7,600 Building $21,300
1994			$28,900 Land $7,600 Building $21,300

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	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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