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470 Spring Garden St, Reading, PA, 19602

2beds
1baths
744sqft
$124,900
$168price/sqft
$1,064/moest. monthly cost
$42,560/yrincome needed

About This Home

Welcome to 470 Spring Garden Street, an ideal home with the convenience of city living! The location offers close proximity to public transportation, major highways, shopping and many restaurants. The residence features hardwood floors on the first level, two or three bedrooms, a full bath and a fenced yard in the back.

Getting Around

80
WalkingVery Walkable
0
TransitVery Limited Transit
52
BikeBikeable

Schools

3/10
Southern Middle SchoolGrades 5-80.3 mi
1/10

Construction

Condition

  • Year built: 1900

Materials

  • Foundation: Stone
  • Construction materials: Brick

Type & Style

  • Home type: Townhouse
  • Architectural style: Traditional
  • Property subType: Townhouse

Interior

Appliances

  • Appliances included: Electric Water Heater
  • Laundry features: In Basement

Basement

  • Has basement: Yes
  • Basement: Full,Unfinished

Bedroom1

  • Level: Upper
  • Area: 0
  • Dimensions: 0 X 0

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 1
  • Full bathrooms: 1
  • Main level bathrooms: 1

Dining Room

  • Level: Unspecified

Features

  • Flooring: Vinyl
  • Finished area below ground: 0
  • Finished area above ground: 744

Heating & Cooling

  • Heating features: Hot Water,Electric
  • Cooling features: None

Interior Area

  • Total structure area: 744
  • Total interior livable area: 744 sqft

Kitchen

  • Features: Kitchen - Electric Cooking
  • Level: Main
  • Area: 0
  • Dimensions: 0 X 0

Living Room

  • Level: Main
  • Area: 0
  • Dimensions: 0 X 0

Primary Bedroom

  • Level: Upper
  • Area: 0
  • Dimensions: 0 X 0

Primary Bedroom

  • Level: Unspecified

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 02530636978711
  • Zoning: RESIDENTIAL
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • Pool features: None

Lot

  • Lot size: 435 sqft
  • Lot size dimensions: 0.00 x 0.00

Parking

  • Parking features: On Street
  • Has uncovered spaces: Yes

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
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Winter Weather
Cold Wave
Lightning
Strong Wind

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 $631$7,572
Home Insurance *$43$516
Property Taxes $166$1,992
Electricity $224$2,692
Total$1,064$12,768
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$36,480/yr
40% on housing$31,920/yr
45% on housing$28,373/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

$168This listing

vs Other Active Listings

Avg $/sqft

ZIP 19602$91
Berks County$153

vs Homes Sold Last Month

Median $/sqft

ZIP 19602$98
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)

Price History

DateEventPrice
2026-06-25Listed for sale$124,900
2024-09-20Listing removed$105,000
2024-09-09Listed for sale$105,000
2017-11-27Sold$15,000
2017-10-18Price change$15,500
2017-09-01Listed for sale$16,500
2016-12-20Sold$2,850
2016-07-30Listing removed--
2016-07-14Listed for sale--
2016-05-26Sold$2,000
2005-10-11Sold$3,500

For Sale by Agent

AgentJerry Buffa
BrokerageColdwell Banker Realty

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