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645 N 10th St, Reading, PA, 19604

4beds
2baths
1,360sqft
$410,000
$301price/sqft
$2,969/moest. monthly cost
$118,760/yrincome needed

About This Home

Price on this property is $180978 if you interested. Parking Off Street Parking for 4 vehicles. Carport in rear for 4 cars. Many new replacement windows. Corner building with rear alley. Separate gas meters 3 one for owner services & 3 electric meters. One owner services

Getting Around

82
WalkingVery Walkable
0
TransitVery Limited Transit
54
BikeBikeable

Schools

3/10
Tenth & Green El SchoolGrades PK-40.2 mi
3/10
Central Middle SchoolGrades 5-80.5 mi
1/10

Construction

Condition

  • Year built: 1903

Materials

  • Roof: Asphalt
  • Construction materials: masonry

Type & Style

  • Home type: MultiFamily
  • Architectural style: Other

Interior

Appliances

  • Appliances included: Freezer,Garbage disposal,Refrigerator

Basement

  • Basement: Basement (not specified)

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Flooring: Softwood,Other,Hardwood,Laminate,Linoleum / Vinyl

Heating & Cooling

  • Heating features: Baseboard,Forced air,Stove,Wall,Gas
  • Cooling features: None

Interior Area

  • Total interior livable area: 1,360 sqft

Property

Details

  • Parcel number: 12531753036956

Features

  • Exterior features: Shingle,Stucco,Brick,Cement / Concrete,Metal
  • Has view: Yes
  • View description: City,Mountain

Lot

  • Lot size: 1,742 sqft

Parking

  • Total spaces: 4
  • Parking features: Carport,Garage - Detached,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
    Winter WeatherVery High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Cold Wave
    Cold WaveModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Winter Weather
Lightning
Strong Wind
Cold Wave
Heat Wave
Inland Flooding
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 $2,073$24,876
Home Insurance *$126$1,512
Property Taxes $546$6,552
Electricity $224$2,692
Total$2,969$35,628
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$101,794/yr
40% on housing$89,070/yr
45% on housing$79,173/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

$301This listing

vs Other Active Listings

Avg $/sqft

ZIP 19604$103
Berks County$152

vs Homes Sold Last Month

Median $/sqft

ZIP 19604$144
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
2026-06-09Listed for sale$410,000
2026-04-15Listing removed$285,000
2025-12-01Listed for sale$285,000
2025-11-25Listing removed$295,000
2025-07-28Listed for sale$295,000
2025-03-01Listing removed$279,000
2025-02-18Listed for sale$279,000
2018-09-14Sold$43,000
2018-04-30Price change$49,900
2018-03-23Listed for sale$54,900
2017-12-29Listing removed$49,900
2017-01-17Price change$49,900
2015-04-21Listed for sale$52,900
2010-08-29Listing removed$54,900
2009-08-21Listed for sale$54,900
2008-02-27Listing removed$65,000
2008-01-31Listed for sale$65,000
2006-06-26Sold$54,000

For Sale by Owner

AgentProperty Owner
Brokerageilkgil corp. general construtio

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