432 N 13th St, Reading, PA, 19604
About This Home
Now available and ready for showings! Welcome to 432 N. 13th Street in Reading, PA. This well-maintained home offers a blend of classic character and modern comfort. The property features spacious living areas, generously sized bedrooms, and a functional layout ideal for homeowners or investors alike. A convenient first-floor half bath adds everyday functionality, while the basement offers the potential to convert that half bath into a full bathroom, creating even more value and flexibility. Conveniently located near schools, parks, shopping, restaurants, and major highways, this home provides easy access to everything Reading has to offer. Whether you're looking for your first home or to expand your investment portfolio, this is an opportunity you won't want to miss. Schedule your private showing today!
Getting Around
Very Walkable
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1900
Materials
- Foundation: Block,Brick/Mortar
- Construction materials: Brick
Type & Style
- Home type: Townhouse
- Architectural style: Traditional
- Property subType: Townhouse
Interior
Appliances
- Appliances included: Water Heater
Basement
- Area: 0
Basement
- Has basement: Yes
- Basement: Concrete,Rear Entrance
Bedrooms & Bathrooms
- Bedrooms: 4
- Bathrooms: 2
- Full bathrooms: 1
- 1/2 bathrooms: 1
Features
- Finished area below ground: 0
- Finished area above ground: 1,051
Heating & Cooling
- Heating features: Radiator,Oil
- Cooling features: Window Unit(s),Electric
Interior Area
- Total structure area: 1,051
- Total interior livable area: 1,051 sqft
Property
Accessibility
- Accessibility features: None
Details
- Parcel number: 11531762221801
- Zoning: RESIDENTIAL
- Special condition: Standard
- Exclusions: Washer And Dryer
Features
- Levels: Three
- Stories: 3
- Pool features: None
Lot
- Lot size: 1,307 sqft
Parking
- Parking features: Off Street
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 | $960 | $11,520 |
| Home Insurance * | $58 | $696 |
| Property Taxes | $253 | $3,036 |
| Electricity | $224 | $2,692 |
| Total | $1,495 | $17,940 |
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 |
|---|---|---|
| 2026-07-22 | Listed for sale | $189,900 |
View on Zillow