546 Locust St, Reading, PA, 19604
About This Home
Welcome to 546 Locust Street, Reading, PA 19604! This 4-bedroom, 3 full-bath home offers the perfect blend of comfort, functionality, and value. The home features a bright and inviting living area, a functional kitchen with ample cabinet space, and three full bathrooms that provide convenience for larger households or guests. Conveniently located in the heart of Reading, you'll be just minutes from schools, parks, shopping, restaurants, and major highways, making commuting and daily errands a breeze. Whether you're a first-time homebuyer looking for extra space or an investor seeking a great opportunity, this property is full of potential. Don't miss your chance to make 546 Locust Street your next home—schedule your private showing today!
Getting Around
Very Walkable
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1925
Materials
- Foundation: Brick/Mortar
- Construction materials: Brick
Type & Style
- Home type: Townhouse
- Architectural style: Traditional
- Property subType: Townhouse
Interior
Appliances
- Appliances included: Electric Water Heater
Basement
- Area: 0
Basement
- Has basement: Yes
- Basement: Partially Finished
Bedrooms & Bathrooms
- Bedrooms: 4
- Bathrooms: 3
- Full bathrooms: 3
- Main level bathrooms: 1
Features
- Finished area below ground: 0
- Finished area above ground: 1,248
Heating & Cooling
- Heating features: Baseboard,Electric,Oil
- Cooling features: Window Unit(s),Electric
Interior Area
- Total structure area: 1,248
- Total interior livable area: 1,248 sqft
Property
Accessibility
- Accessibility features: 2+ Access Exits,Doors - Lever Handle(s)
Details
- Parcel number: 11531762133309
- Zoning: RES
- Special condition: Standard
Features
- Levels: Three
- Stories: 3
- Pool features: None
Lot
- Lot size: 1,306 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 | $1,011 | $12,132 |
| Home Insurance * | $61 | $732 |
| Property Taxes | $266 | $3,192 |
| Electricity | $224 | $2,692 |
| Total | $1,562 | $18,744 |
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 |
|---|---|---|
| 2026-07-27 | Price change | $199,997 |
| 2026-07-11 | Listed for sale | $214,900 |
| 2005-06-22 | Sold | $25,000 |
| 2004-11-19 | Sold | $27,000 |
| 2004-06-25 | Sold | $18,500 |
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