$209,900
4 bd|1.5 ba|1,487 sqft
1649 Cotton St, Reading, PA 19606
Listed by eRealty Advisors, Inc
For Sale
Listing description
Welcome to this beautiful home in the city of Reading. The upper levels feature four bedrooms, while the main level boasts a lovely living room with a blend of contemporary and modern design. Moving further inside, you’ll find the dining room and a beautiful kitchen, accompanied by a laundry area and a half-bath. Out back, there is a yard with a planting area, as well as a garage with space for one vehicle and additional storage. Come see it for yourself—schedule your appointment today!
Facts & features
Interior
- Bedrooms
- 4
- Bathrooms
- 1 full
- Living area
- 1,305 sq ft
- Heating
- Forced Air
- Cooling
- None
Property & construction
- Property type
- Residential · Interior Row/Townhouse
- Architectural style
- Straight Thru
- Year built
- 1892
Lot & parking
- Lot size
- 0.03 acres (1,306 sq ft)
Financial
- Price / sq ft
- $161
- HOA dues
- None
Listing details
- MLS #
- PABK2079326
- County
- Berks County
- School district
- Reading
- Days on NookLocal
- 13 days
Interior features
- Appliances
- Oven/Range - Gas, Refrigerator
- Basement
- Outside Entrance, Unfinished
- Levels
- 2.5
- Accessibility
- None
Exterior & construction
- Construction
- Brick
- Foundation
- Stone
- Exterior features
- Awning(s)
Systems & utilities
- Heating fuel
- Natural Gas
- Cooling fuel
- None
- Hot water
- Natural Gas
- Water source
- Public
- Sewer
- Public Sewer
Parking
- Parking
- On Street
Community
- Subdivision
- NONE AVAILABLE
Lot & zoning
- Zoning
- RESIDENTIAL
Included in the sale
- Possession
- Settlement
Price history
| Date | Event | Price |
|---|---|---|
| Oct 9, 2026 | Listed for sale | $210,000 |
Price changes are tracked from when NookLocal first indexed this listing; earlier history may not appear. Tax & assessment details are in the section below.
The NookLocal estimate
Estimated value
$200,000
Automated estimate, not an appraisal. Sale records through July 2026.
About this estimate
Based on 10 comparable sales nearby, the Berks County assessment ratio, and this home's own January 2024 sale grown with the local market, weighted toward the current asking price.
- Last sold
- January 2024 for $177,000
- About $201,208 in today's market
- Current list price
- $210,000
- County assessment implies
- $128,349
- Est. property taxes at today's rates
- $1,110/yr
Comparable Sales
| Address | Closed | Sale price | Bd/Ba | Sqft | Adjusted value |
|---|---|---|---|---|---|
| 1057 N 12TH ST, READING, PA 19604 | June 2026 | $130,000 | 4/1 | 1,305 | $121,586 |
| 1540 N 9TH ST, READING, PA 19604 | April 2026 | $174,000 | 4/1 | 1,312 | $169,775 |
| 940 MULBERRY ST, READING, PA 19604 | May 2026 | $140,000 | 4/1 | 1,289 | $138,461 |
| 842 LOCUST ST, READING, PA 19604 | April 2026 | $159,900 | 4/1 | 1,324 | $159,155 |
| 1043 MULBERRY ST, READING, PA 19604 | June 2026 | $197,000 | 4/1 | 1,339 | $190,047 |
| 542 MOSS ST, READING, PA 19604 | January 2026 | $190,000 | 4/1 | 1,300 | $191,561 |
Sale history
| Date | Event | Price |
|---|---|---|
| January 2024 | Sold | $177,000 |
From closed MLS and county deed records. Earlier transactions may exist.
Estimated taxes
Estimated at current rates
$1,902 / year
≈ $159 per month
MLS shows (2026)
$1,917
School tax
READING · 17.93 mills (2025-26)
$739
County tax
Berks County · 9.01 mills (2026)
$371
Municipal tax
As recorded for 2026, varies by municipality
$792
Assessment note: this home is assessed at $41,200, well below the ~$67,410 its asking price implies at Berks County's common level ratio (32.1%). A sale near asking can invite a school-district assessment appeal that could raise the bill by roughly $706/year. Factor that into an offer.
Recomputed from the county assessment ($41,200, 1994 base year) × current millage. School millage is from the latest year certified by the Pennsylvania Department of Education (2025-26); districts adopt the next year's budgets each June, and we update when the state certifies the statewide file in the fall. Portals typically reprint the recorded 2026 bill. Pennsylvania does not reassess on sale. Estimate only. Verify with Berks County before relying on it. Learn more: PA property tax calculator · Common Level Ratio by county.
Estimated monthly payment calculator
$42,000 (20%)
6.43%
Loan term
Estimated monthly payment
$1,274/mo
- Principal & interest
- $1,054
- Property taxes (current rates)
- $159
- Home insurance (est.)
- $61
Taxes use NookLocal's estimate at current millage rates, not the stale figure on the MLS. The default rate is the average 30-year rate as of July 2026; insurance is estimated at 0.35% of the price per year. Below 20% down, lenders usually add mortgage insurance, which this estimate doesn't include. Estimate only; verify before relying on it.
Area statistics
School district
Reading
- Academic index
- 28.1/100
- Graduation rate
- 77.5%
- PSSA ELA proficient
- 17.4%
- PSSA Math proficient
- 9.7%
2025 PA state assessments (PSSA / Keystone) and graduation data. The index measures student outcomes, not school effectiveness, and is not adjusted for demographics. Districts serve all residents; verify enrollment boundaries with the district.
Safety data
Berks County crime & safety numbers →
County figures from FBI and Pennsylvania source data.
Property taxes
Berks County taxes, explained →
Millage, the Common Level Ratio, and what changes after you buy.
Map location
Open in Google Maps© BRIGHT, All Rights Reserved
Information Deemed Reliable But Not Guaranteed
The data relating to real estate for sale on this website appears in part through the BRIGHT Internet Data Exchange program, a voluntary cooperative exchange of property listing data between licensed real estate brokerage firms in which United Real Estate Strive 212 participates, and is provided by BRIGHT through a licensing agreement.
IDX listings are displayed pursuant to broker of record United Real Estate Strive 212, Frank Ramos, Broker/Owner, PA Broker License RM424345, 1220 Broadcasting Rd, Suite 201, Wyomissing, PA 19610, (610) 372-0212.
The information provided by this website is for the personal, non-commercial use of consumers and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.
Some properties which appear for sale on this website may no longer be available because they are under contract, have Closed or are no longer being offered for sale.
Data last updated: October 22, 2026 at 2:03 PM EDT
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