$118,000
2 bd|1 ba|584 sqft
1037 Cotton St, Reading, PA 19602
Listed by Bold Realty
For Sale1 of 21
Listing description
Welcome to 915 Culvert Street in Reading! This is a fantastic opportunity for an owner-occupant or investor seeking a turnkey property with additional potential. Step inside to a welcoming living room in this classic Colonial-style home, featuring a staircase leading to the second floor. The first floor offers a fairly open layout with the kitchen situated at the rear of the home, creating a functional living and entertaining space. Outside, you'll find a small, low-maintenance yard, while the attic provides valuable bonus living space that can be used to fit your needs. The property is being sold strictly as-is. Buyers are encouraged to conduct any inspections they deem necessary and will be responsible for obtaining any required city certificates for closing.
Facts & features
Interior
- Bedrooms
- 3
- Bathrooms
- 1 full
- Living area
- 844 sq ft
- Heating
- Other
- Cooling
- None
Property & construction
- Property type
- Residential · Interior Row/Townhouse
- Architectural style
- Other
- Year built
- 1900
Lot & parking
- Lot size
- 0.01 acres (435 sq ft)
Financial
- Price / sq ft
- $129
- HOA dues
- None
Listing details
- MLS #
- PABK2073320
- County
- Berks County
- School district
- Reading
- Days on market
- 19 days
Price history
| Date | Event | Price |
|---|---|---|
| Jun 25, 2026 | Price reduced | $109,000 |
| Jun 15, 2026 | Listed for sale | $119,000 |
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
$115,205
$109,445$117,291
Automated estimate, not an appraisal.
About this estimate
Based on 10 comparable sales nearby, the Berks County assessment ratio, weighted toward the current asking price.
- Current list price
- $109,000
- County assessment implies
- $66,919
- Est. property taxes at today's rates
- $620/yr
Comparable Sales
| Address | Closed | Sale price | Bd/Ba | Sqft | Adjusted value |
|---|---|---|---|---|---|
| 1155 COTTON ST, READING, PA 19602 | February 2026 | $137,000 | 3/1 | 873 | $135,897 |
| 816 S 9TH ST, READING, PA 19602 | September 2025 | $140,000 | 3/1 | 840 | $140,759 |
| 1264 MUHLENBERG ST, READING, PA 19602 | March 2026 | $135,000 | 3/1 | 804 | $141,040 |
| 519 S 12TH ST, READING, PA 19602 | July 2025 | $135,000 | 3/1 | 804 | $143,336 |
| 204 S 11TH ST, READING, PA 19602 | February 2026 | $109,900 | 2/1 | 824 | $111,646 |
| 559 S 14TH ST, READING, PA 19602 | June 2026 | $135,000 | 3/1 | 768 | $143,307 |
Estimated taxes
Estimated at current rates
$1,062 / year
≈ $88 per month
MLS shows (2025)
$1,062
School tax
READING · 17.93 mills (2025-26)
$412
County tax
Berks County · 9.01 mills (2026)
$207
Municipal tax
As recorded for 2025 — varies by municipality
$442
Assessment note: this home is assessed at $23,000 — well below the ~$37,463 its asking price implies at Berks County's common level ratio (34.4%). A sale near asking can invite a school-district assessment appeal that could raise the bill by roughly $390/year. Worth pricing in.
Recomputed from the county assessment ($23,000, 1994 base year) × current millage — portals typically reprint the recorded 2025 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
$21,800 (20%)
6.75%
Loan term
Estimated monthly payment
$686/mo
- Principal & interest
- $566
- Property taxes (current rates)
- $88
- Home insurance (est.)
- $32
Taxes use NookLocal's estimate at current millage rates, not the stale figure on the MLS. 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%
2025 PA state assessments (PSSA / Keystone) and graduation data. Districts serve all residents; verify enrollment boundaries with the district.
Safety data
Berks Countycrime & safety numbers →
FBI and Pennsylvania source data, presented without spin.
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: July 4, 2026 at 2:29 AM EDT
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