1037 Cotton St, Reading, PA, 19602
About This Home
Welcome to 1037 Cotton St, Reading, PA! This traditional brick rowhome offers 2 bedrooms, 1 full bath, and approximately 584 square feet of living space, making it a great opportunity for a first-time homebuyer, downsizer, or investor. The home features a functional floor plan, natural gas heat, and a full basement that provides additional storage space. Conveniently located near local shopping, dining, schools, and major roadways, this property offers easy access to everyday amenities. With its classic character, manageable size, and affordable price point, this home is ready for its next owner.
Getting Around
Very Walkable
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1900
Materials
- Foundation: Other
- Construction materials: Brick
Type & Style
- Home type: Townhouse
- Architectural style: Traditional
- Property subType: Townhouse
Interior
Appliances
- Appliances included: Refrigerator,Oven/Range - Gas,Gas Water Heater
Basement
- Area: 0
Basement
- Has basement: Yes
- Basement: Other
Bedrooms & Bathrooms
- Bedrooms: 2
- Bathrooms: 1
- Full bathrooms: 1
- Main level bathrooms: 1
- Main level bedrooms: 2
Features
- Dining Area
- Finished area below ground: 0
- Finished area above ground: 584
Heating & Cooling
- Heating features: Forced Air,Oil
- Cooling features: None
Interior Area
- Total structure area: 584
- Total interior livable area: 584 sqft
Property
Accessibility
- Accessibility features: None
Details
- Parcel number: 10531629079921
- Zoning: RESIDENTIAL
- Special condition: Standard
Features
- Levels: Two
- Stories: 2
- Pool features: None
Lot
- Lot size: 871 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
- Cold Wave
- Heat Wave
- Lightning
- Strong Wind
How This Home’s Risks Compare
FEMA Declared Disasters Across Pennsylvania Counties
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $555 | $6,660 |
| Home Insurance * | $38 | $456 |
| Property Taxes | $146 | $1,752 |
| Electricity | $224 | $2,692 |
| Total | $963 | $11,556 |
Income You'd Need if You Spent...
Pennsylvania FAIR Plan Programs
Insurance Placement Facility of Pennsylvania/FAIR Plan
Wildfire
HailWindHow 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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-07-20 | Price change | $109,900 |
| 2026-07-09 | Price change | $112,000 |
| 2026-06-18 | Listed for sale | $118,000 |
| 2023-04-04 | Listing removed | -- |
| 2023-03-27 | Listed for rent | $900 |
| 2019-12-30 | Listing removed | $595 |
| 2019-12-04 | Listed for rent | $595 |
| 2018-08-31 | Listing removed | $595 |
| 2018-08-20 | Listed for rent | $595 |
| 2017-10-27 | Listing removed | $595 |
| 2017-10-20 | Price change | $595 |
| 2017-09-20 | Listed for rent | $650 |
| 2017-08-25 | Sold | $20,500 |
| 2016-11-04 | Price change | $22,500 |
| 2016-08-15 | Listed for sale | $24,900 |
| 2016-02-05 | Listing removed | $595 |
| 2016-01-15 | Listed for rent | $595 |
| 2016-01-14 | Listing removed | $19,800 |
| 2015-10-06 | Price change | $19,800 |
| 2015-09-14 | Price change | $19,900 |
| 2015-08-21 | Listed for sale | $24,900 |
| 2014-09-25 | Listing removed | $575 |
| 2014-09-09 | Price change | $575 |
| 2014-07-21 | Listed for rent | $595 |
| 2014-06-14 | Listing removed | $595 |
| 2013-04-02 | Sold | $17,000 |
| 2012-11-28 | Sold | $6,000 |
| 2001-11-28 | Sold | $3,000 |
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