116 W Cherry St, Reading, MI 49274 Property Records

Hillsdale County property record for 116 W Cherry St, Reading, MI 49274

Property Summary

Property Type	Single Family Home
Details	5 bd · 1 ba · 1,150 sqft
Lot Size	0.136 acres (5,924 sqft)
Owner	2 Company Names on Record
Tax Bill	$2,269 (2025)
Deeds & Mortgages	Apr 2026 Line of Credit Jul 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`20-040-001-063`

Property Details

APN / Parcel Number

Primary APN	`20-040-001-063`

Interior

Bedrooms	5 Beds
Full Baths	1 Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	1,150 sqft Living Area
Gross Area	2,006 sqft
1st Floor Area	2,006 sqft
Basement Area	576 sqft
Unfinished Basement	576 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Architectural Style	Ranch
Exterior Material	Wood Siding
Lot Area	5,924 sqft (0.136 acres)
Lot Dimensions	132 ft deep x 45 ft wide
Garage Area	864 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	116 W CHERRY ST
City	READING
State	MI
Zip	49274-9569
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1LDRES
Legal Description	COM 249.5 FT W OF SE COR LOT 40 TH N 132 FT TH W TO W LN OF LOT 40 TH S TO SW COR OF LOT 40 TH E TO POB PROUTY & FULLER ADD S
Legal Range	04W
Legal Township	07S
Legal Section	27
Legal Subdivision	PROUTY & FULLER ADD
Legal Lot Number	40
Jurisdiction	HILLSDALE MI
Township / Civil Division	READING
Census Block Group	4
Census Block	4012
Census Tract	50400

Owner

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

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

Owner of Record	2 Company Names on Record
Mailing Address	3570 SAND LAKE RD, READING, MI 49274-9646
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Apr 16, 2026	Deed of Trust, Mortgage · Line of Credit SENTRY BANK AND TRUST
Jul 28, 2017	Deed of Trust, Mortgage · Line of Credit CENTURY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HILLSDALE MI
Recording Date	Apr 16, 2026
Property Address	116 W CHERRY ST, READING, MI 49274-9569
Document Number	0000622448
Book / Page	1919 / 454
Instrument Date	Apr 9, 2026
Instrument	2026622448
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Tenant, 269
Address	3570 SAND LAKE RD, READING, MI 49274-9646

Mortgage

Document Number	0000622448,
Date	Apr 16, 2026
Book Page	1919/454
Instrument	2026622448

Lender

Name	SENTRY BANK AND TRUST

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate	6.11%
Max Rate	-1%

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HILLSDALE MI
Property Address	116 W CHERRY ST, READING, MI 49274-9569
Transaction Type	Mortgage
Record Updated	Jul 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01662/0888
Date	Jul 28, 2017
Book Page	1662/0888

Lender

Name	CENTURY BANK
Type	Bank
Address	READING, MI 49274

Agreement

Type	Line of Credit
Amount	Amount Recorded

Tax Assessment & Valuation

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		$68,100 (+33.27%)	$136,280 (+33.34%) Land $8,101 Building $128,179
2025	$2,269.00 (+14.42%)
2023		$51,100	$102,203 Land $7,166 Building $95,037
2021	$1,983.00

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

Flood

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

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

Wildfire Risk	Not rated no burnable land within ember reach

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

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	READING serves 1,078 people · EPA ID MI0005620
Water Source	Groundwater
Last State Inspection	May 2024
Lead	3 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	3 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

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.

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