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221 W Oley St, Reading, PA, 19601

5beds
1baths
1,877sqft
$235,000
$125price/sqft
$1,824/moest. monthly cost
$72,960/yrincome needed

About This Home

Oversized garage Front Porch Backyard well-care home Welcome to this charming and well-cared- home featuring 5 bedrooms and over 1,800 square feet of living space. It is located in Northwest area. Boasting a charming front porch perfect for relaxing, a warm and inviting living room, with its high ceilings, hardwood flooring, and an oversized garage for added convenience with automatic door opener plus patio. Economic gas fire force air, for cost saving and allowing you to integrate A/C on existing ductwork. The backyard offers the perfect space for entertaining family and friends. Don’t miss the opportunity to make this house your home! Secure this incredible opportunity and make your dream Home a reality

Getting Around

78
WalkingVery Walkable
0
TransitVery Limited Transit
52
BikeBikeable

Schools

3/10
Northwest Middle SchoolGrades 5-80.4 mi
1/10
3/10
Northwest El SchoolGrades PK-40.4 mi

Construction

Condition

  • Property condition: Very Good
  • Year built: 1900

Materials

  • Foundation: Brick/Mortar
  • Roof: Unknown
  • Construction materials: Brick

Type & Style

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

Interior

Appliances

  • Appliances included: Gas Water Heater

Basement

  • Area: 0

Basement

  • Has basement: Yes
  • Basement: Unfinished

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 1
  • Full bathrooms: 1
  • Main level bathrooms: 1
  • Main level bedrooms: 5

Features

  • Dry Wall
  • Flooring: Ceramic Tile
  • Finished area below ground: 0
  • Finished area above ground: 1,877

Heating & Cooling

  • Heating features: Forced Air,Natural Gas
  • Cooling features: Wall Unit(s)

Interior Area

  • Total structure area: 1,877
  • Total interior livable area: 1,877 sqft

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 15530756448109
  • Zoning: RESIDENTIAL
  • Special condition: Standard
  • Exclusions: All Personal Property.

Features

  • Levels: Three
  • Stories: 3
  • Pool features: None

Lot

  • Lot size: 2,178 sqft
  • Lot size dimensions: 0.00 x 0.00

Parking

  • Total spaces: 1
  • Parking features: Asphalt,Detached Carport
  • Covered spaces: 1
  • Has uncovered spaces: Yes
  • Carport: Yes
  • Carport spaces: 1

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
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Winter Weather
Lightning
Strong Wind
Cold Wave
Heat Wave
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 $1,188$14,256
Home Insurance *$99$1,188
Property Taxes $313$3,756
Electricity $224$2,692
Total$1,824$21,888
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$62,537/yr
40% on housing$54,720/yr
45% on housing$48,640/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

$125This listing

vs Other Active Listings

Avg $/sqft

ZIP 19601$106
Berks County$152

vs Homes Sold Last Month

Median $/sqft

ZIP 19601$150
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
2026-07-06Price change$235,000
2026-06-08Listed for sale$245,000
2007-01-05Sold$85,000
2006-04-12Sold$45,000

For Sale by Agent

Agentalba castillo
BrokerageColdwell Banker Realty

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