Berks County property record for 965 Joan Ter, Reading, PA 19611
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,696 sqft · built 1967 |
| Lot Size | 0.25 acres (10,890 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $194,900 (Oct 2004) |
| Tax Bill | $2,797 (2026) |
| Deeds & Mortgages | Jan 2023 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 5306-38-26-2298 |
| Primary APN | 5306-38-26-2298 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,696 sqft Living Area |
| 1st Floor Area | 1,696 sqft |
| Family Room | Family Room |
| Year Built | Built 1967 |
|---|---|
| Effective Year Built | Effective 1967 |
| Exterior Material | Brick/Stone |
| Construction Type | Frame |
| Lot Area | 10,890 sqft (0.25 acres) |
| View / Lot | Neighborhood |
| Garage Type | Attached |
| Porch | Open Frame Porch |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 18435625 |
|---|---|
| Street Address | 965 JOAN TC |
| City | READING |
| State | PA |
| Zip | 19611 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Block | 26 |
| Jurisdiction | BERKS PA |
| Township / Civil Division | READING |
| Census Block Group | 1 |
| Census Block | 1028 |
| Census Tract | 2600 |
965 Joan Ter is owned and occupied by two individuals who bought it in October 2004.
Source: Berks County records, as of May 27, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 965 JOAN TER, READING, PA 19611-1503 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 20, 2004 · Amount on File |
| Deed Sale | Oct 20, 2004 · Amount on File |
| Deed Document Number | 200479452 |
| Deed Book / Page | 4175 / 381 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERKS PA |
| Property Address | 965 JOAN TER, WEST READING, PA 19611-1503 |
| Transaction Type | Mortgage |
| Record Updated | Apr 30, 2026 |
| Name | Verified Name |
|---|---|
| Address | 965 JOAN TER, READING, PA 19611-1503 |
| Document Number | 0000001605 |
|---|---|
| Date | Jan 18, 2023 |
| Instrument | 2023001605 |
| Name | MID PENN BANK |
|---|---|
| Type | Bank |
| Address | READING, PA 19610 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2026 property tax bill for 965 Joan Ter was $2,797 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 | $2,797.00 Homeowner's exemption | $99,100 Land $30,300 Building $68,800 | $30,300 Land $30,300 |
| 2024 | $2,623.00 | $99,100 Land $30,300 Building $68,800 | |
| 1994 | $99,100 Land $30,300 Building $68,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 965 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 965 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 96% of the US · lower than 96% 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 351 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 |
May also be available: Greenlight Networks, T-Mobile.
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