114 N Union St, Reading, MI 49274 Property Records

Hillsdale County property record for 114 N Union St, Reading, MI 49274

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 820 sqft
Lot Size	0.25 acres (10,890 sqft)
Owner	Individual Name on File
Last Sale	$23,000 (Aug 2018)
Tax Bill	$1,280 (2025)
Deeds & Mortgages	Dec 2021 Mortgage Aug 2021 Transfer
Flood Zone	Zone X (minimal risk)
APN	`20-055-001-015`

Property Details

APN / Parcel Number

Primary APN	`20-055-001-015`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	820 sqft Living Area
Gross Area	1,054 sqft
1st Floor Area	1,054 sqft

Exterior

Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	10,890 sqft (0.25 acres)
Lot Dimensions	165 ft deep x 66 ft wide
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	114 N UNION ST
City	READING
State	MI
Zip	49274-9576
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1LDRES
Legal Description	LOT 11 BERRYS ADD SEC 22 T7S R4W CITY OF READING
Legal Range	04W
Legal Township	07S
Legal Section	22
Legal Subdivision	BERRYS ADD
Legal Lot Number	11
Jurisdiction	HILLSDALE MI
Township / Civil Division	READING
Census Block Group	4
Census Block	4004
Census Tract	50400

Owner

114 N Union St is owned by an individual who acquired it in August 2021.

Source: Hillsdale County records, as of July 27, 2026

Owner of Record	Individual Name on File
Mailing Address	PO BOX 352, READING, MI 49274-0352
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Dec 17, 2021	Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB
Aug 18, 2021	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 30, 2018 · Amount on File
Deed Sale	Aug 30, 2018 · Amount on File
Deed Book / Page	1701 / 33
Last Transfer Date	Aug 18, 2021
Transfer Doc	001804/499
Record Updated	Sep 20, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HILLSDALE MI
Property Address	114 N UNION ST, READING, MI 49274-9576
Transaction Type	Mortgage
Record Updated	Jul 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	114 N UNION ST, READING, MI 49274-9576

Mortgage

Document Number	001815/285
Date	Dec 17, 2021
Book Page	1815/285

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	238 Months
Due	Oct 1, 2041

August 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HILLSDALE MI
Recording Date	Aug 18, 2021
Property Address	114 N UNION ST, READING, MI 49274-9576
Document Number	001804/499
Book / Page	1804 / 499
Instrument Date	Aug 18, 2021
Transaction Type	Transfer
Record Updated	Jul 22, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5560 BEECHER RD, 5560, OSSEO, MI 49266-8514

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	114 N UNION ST, READING, MI 49274-9576

Tax Assessment & Valuation

The 2025 property tax bill for 114 N Union St was $1,280.

Source: Hillsdale County assessment roll, as of July 27, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$53,800 (-2.54%)	$107,502 (-2.6%) Land $9,236 Building $98,266
2025	$1,280.00 Homeowner's exemption	$55,200	$110,366 Land $9,236 Building $101,130
2023		$40,600	$81,132 Land $8,170 Building $72,962
2021	$1,108.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 114 N Union St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2001.

Source: FEMA National Flood Hazard Layer, effective February 19, 2014 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (2001)
Most Recent Claim	Feb 2001 · river or lake flooding

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.

Wildfire

Wildfire risk around 114 N Union St is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 98.4% of Michigan
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 274 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Mercury Fiber Fixed Wireless	150 / 20
AT&T Fixed Wireless	100 / 20

May also be available: DMCI Broadband, Lakeland Internet.

Nearby Properties on N Union St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures