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11 Elm St, Reading, PA, 19607

3beds
1baths
1,604sqft
$234,900
$146price/sqft
$1,807/moest. monthly cost
$72,280/yrincome needed

About This Home

Classic 3 bedroom home featuring an inviting front porch with a ceiling fan, newer flooring throughout most of the home and an upstairs hall bath with a heated tile floor. The custom closet systems add convenient storage and organization. Outside, enjoy the fenced rear yard and an oversized detached garage with 100-amp electrical service, perfect for a workshop, hobbies or additional storage. The kitchen is ready for your personal updates, offering a great opportunity to add your own style! Conveniently located, this home is full of potential and ready for its next owner.

Getting Around

58
WalkingSomewhat Walkable
0
TransitVery Limited Transit
45
BikeSomewhat Bikeable

Schools

6/10
Intermediate SchoolGrades 5-60.8 mi
4/10

Construction

Condition

  • Property condition: Average
  • Year built: 1923

Materials

  • Foundation: Block
  • Construction materials: Brick

Type & Style

  • Home type: SingleFamily
  • Architectural style: Traditional
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Electric Water Heater
  • Laundry features: Main Level

Basement

  • Area: 0

Basement

  • Has basement: Yes
  • Basement: Full

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 1
  • Full bathrooms: 1

Features

  • Number of fireplaces: 1
  • Fireplace features: Wood Burning
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 1,604

Heating & Cooling

  • Heating features: Forced Air,Oil
  • Cooling features: Window Unit(s),Electric

Interior Area

  • Total structure area: 1,604
  • Total interior livable area: 1,604 sqft

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 77439507698391
  • Attached to another structure: Yes
  • Zoning: RESIDENTIAL
  • Special condition: Standard
  • Exclusions: Refrigerator,Washer,Dryer

Features

  • Levels: Two
  • Stories: 2
  • Pool features: None
  • Fencing: Back Yard

Lot

  • Lot size: 2,613 sqft
  • Lot size dimensions: 0.00 x 0.00

Parking

  • Total spaces: 2
  • Parking features: Garage Door Opener,Oversized,Detached,Driveway,On Street,Off Site
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1
  • Has uncovered spaces: Yes
  • Uncovered spaces: 1

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hurricane
    HurricaneModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Winter Weather
Cold Wave
Hurricane
Heat Wave
Inland Flooding
Lightning
Strong Wind
Tornado

FEMA Declared Disasters Across Pennsylvania Counties

Flood
Tropical Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $1,187$14,244
Home Insurance *$83$996
Property Taxes $313$3,756
Electricity $224$2,692
Total$1,807$21,684
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$61,954/yr
40% on housing$54,210/yr
45% on housing$48,186/yr

Pennsylvania FAIR Plan Programs

Insurance Placement Facility of Pennsylvania/FAIR Plan

Covered
WildfireWildfire
Add-on available
HailHail
WindWind
Visit Website →
Current Policies
Residential: 8,982Commercial: 984
Total Premiums$5.34M
Total Exposure$1.33B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 11.9%
11.9%
0%30.0%
Electricity Growth Rate10-year average: 8.4%
8.4%
0%15.0%
Property Taxes Growth Rate2-year average: -3.0%
-3.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$146This listing

vs Other Active Listings

Avg $/sqft

ZIP 19607$138
Berks County$152

vs Homes Sold Last Month

Median $/sqft

ZIP 19607$175
Berks County$191

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

No zestimate history available

Price History

DateEventPrice
2026-08-05Pending sale$234,900
2026-08-04Listing removed$234,900
2026-08-01Listed for sale$234,900

For Sale by Agent

AgentJerry Buffa
BrokerageColdwell Banker Realty

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