Hillsdale County property record for 116 Willow St, Reading, MI 49274
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,216 sqft |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $148,500 (Jul 2026) |
| Tax Bill | $1,786 (2025) |
| Deeds & Mortgages | Jul 2026 Sale & Mortgage Apr 2023 Transfer + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 20-045-001-050 |
| Primary APN | 20-045-001-050 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,216 sqft Living Area |
| Gross Area | 1,504 sqft |
| 1st Floor Area | 1,504 sqft |
| Basement Area | 1,216 sqft |
| Unfinished Basement | 1,216 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Architectural Style | Ranch |
|---|---|
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 8,712 sqft (0.2 acres) |
| Lot Dimensions | 132 ft deep x 66 ft wide |
| Garage Area | 308 sqft |
| Parking Spaces | 1 Parking Space |
| Cooling System | None |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 116 WILLOW ST |
|---|---|
| City | READING |
| State | MI |
| Zip | 49274-1303 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1LDRES |
| Legal Description | LOT 97 FULLER & PROUTY ADD SEC 26 T7S R4W CITY OF READING |
| Legal Range | 04W |
| Legal Township | 07S |
| Legal Section | 26 |
| Legal Subdivision | FULLER & PROUTY ADD |
| Legal Lot Number | 97 |
| Jurisdiction | HILLSDALE MI |
| Township / Civil Division | READING |
| Census Block Group | 5 |
| Census Block | 5032 |
| Census Tract | 50400 |
Source: Hillsdale County records · APN 20-045-001-050
Assessment roll updated July 27, 2026 · Last verified August 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 | 116 WILLOW ST, READING, MI 49274-1303 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | His Wife |
| Date | Document |
|---|---|
| Jul 13, 2026 | Warranty Deed, Transfer · FHA Mortgage CROSSCOUNTRY MORTGAGE |
| Apr 21, 2023 | Intrafamily Transfer, Transfer |
| Nov 22, 2019 | Intrafamily Transfer, Transfer |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jul 13, 2026 · Amount on Record |
| Deed Sale | Jul 13, 2026 · Amount on Record |
| Prior Sale | Jun 03, 2002 |
| Deed Document Number | 2026624438 |
| Deed Book / Page | 1926 / 405 |
| Prior Transfer Date | Apr 19, 2023 |
| Prior Transfer Doc | 001848/523 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HILLSDALE MI |
| Recording Date | Jul 13, 2026 |
| Property Address | 116 WILLOW ST, READING, MI 49274-1303 |
| Document Number | 0000624438 |
| Book / Page | 1926 / 405 |
| Instrument Date | Jun 29, 2026 |
| Instrument | 2026624438 |
| Transaction Type | Transfer |
| Record Updated | Jul 30, 2026 |
| Title Company | BRANCH COUNTY ABSTRACT AND TITLE INC, BRANCH COUNTY ABSTRACT & TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $128,987.10 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 116 WILLOW ST, READING, MI 49274-1303 |
| Document Number | 0000624439, |
|---|---|
| Date | Jul 13, 2026 |
| Instrument | 2026624439 |
| Name | CROSSCOUNTRY MORTGAGE |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Aug 01, 2051 |
| Rate | 6.53% |
|---|---|
| Max Rate | -1% |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | HILLSDALE MI |
| Recording Date | Apr 21, 2023 |
| Property Address | 116 WILLOW ST, READING, MI 49274-1303 |
| Document Number | 001848/523 |
| Book / Page | 1848 / 523 |
| Map Reference | LB AA PG 25 |
| Instrument Date | Apr 19, 2023 |
| Transaction Type | Transfer |
| Record Updated | May 19, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 8391 CARPENTER RD, READING, MI 49274-9675 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | HILLSDALE MI |
| Recording Date | Nov 22, 2019 |
| Property Address | 116 WILLOW ST, READING, MI 49274-1303 |
| Document Number | 01743/0032 |
| Book / Page | 1743 / 0032 |
| Map Reference | LB AA PG 25 |
| Instrument Date | Nov 21, 2019 |
| Transaction Type | Transfer |
| Record Updated | Jul 22, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 8391 CARPENTER RD, READING, MI 49274-9675 |
Source: Hillsdale County records · Assessment roll updated July 27, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Hillsdale County |
| Municipality | Reading City |
| Unified School District | Reading Community Schools (KG - 12) |
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 |
|---|---|---|---|
| 2026 | $61,300 (-1.92%) | $121,903 (-1.97%) Land $8,580 Building $113,323 | |
| 2025 | $1,786.00 (+14.41%) | $62,500 (+36.46%) | $124,351 (+36.47%) Land $8,580 Building $115,771 |
| 2023 | $45,800 | $91,120 Land $7,590 Building $83,530 | |
| 2021 | $1,561.00 |
Source: FEMA National Flood Hazard Layer as of February 19, 2014 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| 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 are read at the parcel center point; lenders make the official flood determination.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 7,000 / 7,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Mercury Broadband Fixed Wireless | 150 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
May also be available: DMCI Broadband, Lakeland Internet.
Based on FCC filings for 274 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | READING serves 1,078 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | May 2024 |
| Lead | 3 ppb (2022–2024) action level 15 ppb |
| 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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