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Listing description

Welcome to 12 Bancroft Terrace, a beautifully designed home in the desirable Thomas Gardens community offering spacious, comfortable living with the convenience of low-maintenance living! This attractive 3-bedroom, 3-full-bath home features over 2,100 square feet of living space with an inviting, open floor plan perfect for everyday living and entertaining. The spacious living area is highlighted by a cozy gas fireplace, while the well-appointed kitchen features granite countertops, abundant cabinetry, and a convenient walk-in butler's pantry. The generous primary suite offers a relaxing retreat with a private bath featuring a soaking tub and plenty of closet space. Additional bedrooms and bathrooms provide flexibility for guests, family, or a home office. Step outside to enjoy the covered patio, a wonderful spot for morning coffee or relaxing evenings. An attached two-car garage adds convenience and additional storage. Located in the established Thomas Gardens community, this home offers a wonderful combination of space, comfort, and easy living, all within minutes of shopping, dining, parks, and major routes. Don't miss the opportunity to make this exceptional property your new home!

Rooms by level

How the bedrooms and baths are distributed across the floors, as reported by the listing agent.

  1. Main level1 full bath
  2. Upper level3 bedrooms · 2 full baths

Facts & features

Interior

Bedrooms
3
Bathrooms
3 full
Living area
2,102 sq ft
Heating
Forced Air
Cooling
Central A/C

Property & construction

Property type
Residential · Twin/Semi-Detached
Architectural style
Traditional
Year built
2001

Lot & parking

Lot size
0.04 acres (1,742 sq ft)
Garage
2 spaces

Financial

Price / sq ft
$166
HOA dues
$265/mo

Listing details

MLS #
PABK2079840
County
Berks County
School district
Governor Mifflin

Interior features

Fireplace
1
Fireplace type
Gas/Propane
Laundry
Upper Floor
Levels
2
Accessibility
None

Exterior & construction

Construction
Other
Roof
Architectural Shingle
Foundation
Slab
Patio & porch
Patio(s)

Systems & utilities

Heating fuel
Natural Gas
Cooling fuel
Electric
Hot water
Natural Gas
Water source
Public
Sewer
Public Sewer

Parking

Parking
Attached Garage, Driveway, Off Street
Garage type
Garage Door Opener, Garage - Front Entry, Inside Access
Parking features
Asphalt Driveway
Total spaces
4
Driveway spaces
2

Community

Subdivision
THOMAS GARDENS

Lot & zoning

Zoning
RES CONDO

Included in the sale

Inclusions
"As is -where is" ring doorbell, washer, dryer, refrigerator
Possession
Negotiable

Price history

DateEventPrice
Oct 21, 2026Listed for sale$349,900

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

$360,000

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 June 2019 sale grown with the local market, weighted toward the current asking price.

Last sold
June 2019 for $225,000
About $395,710 in today's market
Current list price
$349,900
County assessment implies
$442,679
Est. property taxes at today's rates
$5,987/yr

Comparable Sales

AddressClosedSale priceBd/BaSqftAdjusted value
1514 RIDGE AVE, READING, PA 19607September 2026$317,5003/32,329$288,937
476 S WYOMISSING AVE, READING, PA 19607September 2026$210,0002/11,921$294,000
419 GROVE AVE, MOHNTON, PA 19540April 2025$273,0003/31,878$323,462
702 FREDERICK ST, READING, PA 19607July 2026$339,9004/32,072$342,412
5 CHARLEMONT CT, READING, PA 19607January 2026$285,0003/22,076$364,805
929 JOHN ST, READING, PA 19607September 2026$281,0003/11,200$393,400

Sale history

DateEventPrice
June 2019Sold$225,000

From closed MLS and county deed records. Earlier transactions may exist.

Estimated taxes

Estimated at current rates

$5,987 / year

≈ $499 per month

MLS shows (2026)

$7,122

-15.9% at current rates

School tax

GOVERNOR MIFFLIN · 33.12 mills (2025-26)

$4,706

County tax

Berks County · 9.01 mills (2026)

$1,281

Municipal tax

Not reported in the MLS feed

—

Assessment note: this home appears assessed above what its asking price implies at the county's common level ratio. The next owner may have a case for an assessment appeal worth roughly $1,255/year.

Recomputed from the county assessment ($142,100, 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

$69,980 (20%)
6.43%

Loan term

Estimated monthly payment

$2,623/mo

Principal & interest
$1,756
Property taxes (current rates)
$499
Home insurance (est.)
$102
HOA
$265

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

Governor Mifflin

Academic index
49.5/100
Graduation rate
91.4%
PSSA ELA proficient
43.1%
PSSA Math proficient
33.4%

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.

© 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 8:01 PM EDT

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