Hillsdale County property record for 120 W State St, Reading, MI 49274
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,060 sqft |
| Lot Size | 0.188 acres (8,189 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $64,000 (Dec 2003) |
| Tax Bill | $607 (2025) |
| Deeds & Mortgages | Mar 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 20-055-001-010 |
| Primary APN | 20-055-001-010 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,060 sqft Living Area |
| Gross Area | 1,372 sqft |
| 1st Floor Area | 1,372 sqft |
| Basement Area | 416 sqft |
| Unfinished Basement | 416 sqft |
| Architectural Style | Ranch |
|---|---|
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 8,189 sqft (0.188 acres) |
| Lot Dimensions | 115 ft deep x 71 ft wide |
| Garage Area | 624 sqft |
| Parking Spaces | 2 Parking Spaces |
| Heating System | Forced Air with A/C |
|---|---|
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 120 W STATE ST |
|---|---|
| City | READING |
| State | MI |
| Zip | 49274-9255 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1LDRES |
| Legal Description | W1/2 LOT 7 EXC E 2 FT 9 1N 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 | 7 |
| Jurisdiction | HILLSDALE MI |
| Township / Civil Division | READING |
| Census Block Group | 4 |
| Census Block | 4007 |
| Census Tract | 50400 |
120 W State St is owned and occupied by two individuals who acquired it in March 2007.
Source: Hillsdale County records, as of December 23, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 120 W STATE ST, READING, MI 49274-9255 |
| Occupancy | Owner Occupied |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 10, 2003 · Amount on File |
| Deed Sale | Dec 10, 2003 · Amount on File |
| Prior Sale | Aug 25, 2003 |
| Last Transfer Date | Mar 14, 2007 |
| Transfer Doc | 01303/0347 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HILLSDALE MI |
| Property Address | 120 W STATE ST, READING, MI 49274-9255 |
| Transaction Type | Mortgage |
| Record Updated | Jul 22, 2022 |
| Title Company | MIDTSTAE TITLE |
| Name | Verified Name |
|---|---|
| Address | 120 W STATE ST, READING, MI 49274-9255 |
| Document Number | 01821/1223 |
|---|---|
| Date | Mar 21, 2022 |
| Book Page | 1821/1223 |
| Name | COUNTY NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | HILLSDALE, MI 49242 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Apr 1, 2037 |
The 2025 property tax bill for 120 W State St was $607 with a homeowner's exemption.
Source: Hillsdale County assessment roll, as of August 4, 2025
| Type | Name |
|---|---|
| State | Michigan |
| County | Hillsdale County |
| Municipality | Reading City |
| Unified School District | Reading Community Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $607.00 Homeowner's exemption | $53,200 | $106,402 Land $8,295 Building $98,107 |
| 2023 | $39,100 | $78,109 Land $7,338 Building $70,771 | |
| 2021 | $864.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 120 W State 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 risk around 120 W State 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.
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 |
| 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.
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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