Hillsdale County property record for 121 W State St, Reading, MI 49274
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 2 ba · 1,744 sqft |
| Lot Size | 0.331 acres (14,418 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $35,000 (Jul 1983) |
| Tax Bill | $898 (2025) |
| Deeds & Mortgages | Dec 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 20-110-001-016-22-7-4 |
| Primary APN | 20-110-001-016-22-7-4 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 11 Rooms |
| Stories | 2 Stories |
| Building Area | 1,744 sqft Living Area |
| Gross Area | 3,112 sqft |
| 1st Floor Area | 3,112 sqft |
| Basement Area | 1,368 sqft |
| Unfinished Basement | 1,368 sqft |
| Architectural Style | Ranch |
|---|---|
| Exterior Material | Wood Siding |
| Lot Area | 14,418 sqft (0.331 acres) |
| Lot Dimensions | 115 ft deep x 125 ft wide |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 121 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 | COM 257.4 FT N & 165 FT W OF SE COR SEC TH N 125.4 FT TH W 181.5 FT TH S 125.4 FT TH E 181.5 FT TO POB EXC COM AT NW COR ABV |
| Legal Range | 04W |
| Legal Township | 07S |
| Legal Section | 22 |
| Legal Subdivision | False |
| Jurisdiction | HILLSDALE MI |
| Township / Civil Division | READING |
| Census Block Group | 4 |
| Census Block | 4011 |
| Census Tract | 50400 |
Source: Hillsdale County records, as of April 23, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 411 W SILVER ST, READING, MI 49274-9121 |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 15, 1983 · Amount on Record |
| Deed Sale | Jul 15, 1983 · Amount on Record |
| Prior Sale | Feb 16, 1977 · Amount on Record |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HILLSDALE MI |
| Property Address | 121 W STATE ST, READING, MI 49274-9255 |
| Transaction Type | Mortgage |
| Record Updated | Jul 22, 2022 |
| Name | Verified Name |
|---|
| Document Number | 01675/0782 |
|---|---|
| Date | Dec 6, 2017 |
| Book Page | 1675/0782 |
| Instrument | 1675-0782 |
| Name | CENTURY BANK & TRUST |
|---|---|
| Type | Bank |
| Address | READING, MI 49274 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Dec 1, 2027 |
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 | $898.00 (-52.13%) | $77,600 (+36.86%) | $155,235 (+36.83%) Land $9,027 Building $146,208 |
| 2023 | $56,700 | $113,447 Land $7,985 Building $105,462 | |
| 2021 | $1,876.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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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