10540 Reading Rd, Reading, MI 49274 Property Records

Hillsdale County property record for 10540 Reading Rd, Reading, MI 49274

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,128 sqft
Lot Size	2.39 acres (104,108 sqft)
Owner	2 Individual Names on File
Last Sale	$144,725 (Dec 2018)
Tax Bill	$584 (2025)
Deeds & Mortgages	Dec 2021 Mortgage Dec 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`10-030-100-006-30-7-4`

Property Details

APN / Parcel Number

Primary APN	`10-030-100-006-30-7-4`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,128 sqft Living Area
Gross Area	1,288 sqft
1st Floor Area	1,288 sqft
Basement Area	320 sqft
Unfinished Basement	320 sqft

Exterior

Exterior Material	Wood Siding
Lot Area	104,108 sqft (2.39 acres)
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	10540 READING RD
City	READING
State	MI
Zip	49274-9773
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ZONING
Legal Description	COM SW COR E1/4 NW1/4 TH E ALG SEC LN 380 FT TO POB TH N 365 FT TH E 286 FT TH S 365 FT TH W TO POB SEC 30 T7S R4W 2.4 A M/L
Legal Range	04W
Legal Township	07S
Legal Section	30
Legal Subdivision	False
Jurisdiction	HILLSDALE MI
Township / Civil Division	READING
Census Block Group	3
Census Block	3031
Census Tract	50400

Owner

Source: Hillsdale County records · APN 10-030-100-006-30-7-4

Assessment roll updated August 4, 2025 · Last verified April 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	10540 READING RD, READING, MI 49274-9773
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 08, 2021	Deed of Trust, Mortgage · Conventional Mortgage AMERIFIRST FINANCIAL INC
Dec 17, 2018	Warranty Deed, Transfer · Conventional Mortgage AMERIFIRST FINANCIAL CORP

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Dec 17, 2018 · Amount on Record
Deed Sale	Dec 17, 2018 · Amount on Record
Prior Sale	Jun 05, 2009 · Amount on Record
Deed Book / Page	1710 / 606
Prior Transfer Date	Apr 22, 2009
Prior Transfer Doc	01392/0364
Record Updated	Jun 08, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HILLSDALE MI
Property Address	10540 READING RD, READING, MI 49274-9773
Transaction Type	Mortgage
Record Updated	Aug 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10540 READING RD, READING, MI 49274-9773

Mortgage

Document Number	001814/458
Date	Dec 08, 2021
Book Page	1814/458

Lender

Name	AMERIFIRST FINANCIAL INC
Type	Mortgage Company
Address	PORTAGE, MI 49002

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 01, 2052

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HILLSDALE MI
Recording Date	Dec 17, 2018
Property Address	10540 READING RD, READING, MI 49274-9773
Document Number	01710/0606
Book / Page	1710 / 0606
Instrument Date	Dec 14, 2018
Transaction Type	Transfer
Record Updated	Aug 12, 2022
Title Company	MIDSTATE TITLE AGENCY LLC, MIDSTATE TITLE AGENCY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,247.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	69 E MAIN STB, 69, BEACON, NY 12508

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4905 CAMBRIA RD, HILLSDALE, MI 49242-9605

Mortgage

Document Number	0001710607
Date	Dec 17, 2018
Instrument	1710/607

Lender

Name	AMERIFIRST FINANCIAL CORP
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 01, 2049

Tax Assessment & Valuation

Source: Hillsdale County records · Assessment roll updated August 4, 2025 · Last verified April 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Hillsdale County
County Subdivision	Reading Township
Unified School District	Reading Community Schools (KG - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$584.00 (-51.93%) Homeowner's exemption	$79,000 (+17.04%)	$158,053 (+17.16%) Land $15,478 Building $142,575
2023		$67,500	$134,901 Land $13,124 Building $121,777
2021	$1,215.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of February 19, 2014 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	9 in force
Nearby Flood Claims	7 (2009–2026)
Most Recent Claim	Apr 2026 · river or lake flooding

Wildfire

Wildfire Risk	Not rated no burnable land within ember reach

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Mercury Broadband Fixed Wireless	150 / 20
Frontier DSL	90 / 5
DMCI Broadband Fixed Wireless	40 / 10

May also be available: Lakeland Internet, Spectrum.

Based on FCC filings for 9 locations within half a mile of this property.

Cell Coverage

4G LTE only, no 5G reported

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