123 N Main St, Reading, MI 49274 Property Records

Hillsdale County property record for 123 N Main St, Reading, MI 49274

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 884 sqft
Lot Size	0.227 acres (9,888 sqft)
Owner	2 Individual Names on File
Last Sale	$139,900 (Mar 2026)
Tax Bill	$1,648 (2025)
Deeds & Mortgages	Oct 2013 Line of Credit Mar 2026 Sale & Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`20-110-002-061-23-7-4`

Property Details

APN / Parcel Number

Primary APN	`20-110-002-061-23-7-4`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	884 sqft Living Area
Gross Area	1,340 sqft
1st Floor Area	1,340 sqft
Basement Area	608 sqft
Unfinished Basement	608 sqft

Exterior

Architectural Style	Ranch
Exterior Material	Wood Siding
Lot Area	9,888 sqft (0.227 acres)
Lot Dimensions	198 ft deep x 49 ft wide
Garage Area	594 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	123 N MAIN ST
City	READING
State	MI
Zip	49274-3208
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	B2DWTNB
Legal Description	COM 264 FT N OF SW COR SEC TH E 126 FT TH N 90.75 FT TH W 126 FT TH S 90.75 FT TO POB ALSO COM 264 FT N & 126 FT E OF SW COR
Legal Range	04W
Legal Township	07S
Legal Section	23
Legal Subdivision	False
Legal Lot Number	L
Jurisdiction	HILLSDALE MI
Township / Civil Division	READING
Census Block Group	5
Census Block	5019
Census Tract	50400

Owner

123 N Main St is owned by two individuals who bought it in March 2026.

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

Owner of Record	2 Individual Names on File
Mailing Address	1580 N BUNN RD, HILLSDALE, MI 49242-9382
Owner Type	Individual
Vesting	Joint Tenants

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
Oct 9, 2013	Deed of Trust, Mortgage · Line of Credit CENTURY BANK & TRUST
Mar 23, 2026	Warranty Deed, Transfer · Conventional Mortgage FLAGSTAR BANK NA
Mar 23, 2026	Quit Claim Deed, Transfer Quitclaim
Jul 21, 2022	Intrafamily Transfer, Transfer MUTUAL TITLE AGENCY INC
Jul 21, 2022	Warranty Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA
Jan 18, 2017	Warranty Deed, Transfer · FHA Mortgage QUICKEN LOANS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 23, 2026 · Amount on File
Deed Sale	Mar 23, 2026 · Amount on File
Prior Sale	Jul 21, 2022 · Amount on File
Deed Document Number	2026621460
Deed Book / Page	1917 / 292
Prior Transfer Date	Sep 1, 1992
Record Updated	Oct 29, 2026

October 2013: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HILLSDALE MI
Property Address	123 N MAIN ST, READING, MI 49274-3208
Transaction Type	Mortgage
Record Updated	Apr 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01544/0951
Date	Oct 9, 2013
Book Page	1544/0951

Lender

Name	CENTURY BANK & TRUST
Address	READING, MI 49274

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	121 Months
Due	Nov 1, 2023

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HILLSDALE MI
Recording Date	Mar 23, 2026
Property Address	123 N MAIN ST, READING, MI 49274-3208
Document Number	001917/292
Book / Page	1917 / 292
Instrument Date	Mar 12, 2026
Transaction Type	Transfer
Record Updated	Apr 15, 2026
Title Company	AMERICAN TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,050.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10210 NE 14TH ST, SILVER SPRINGS, FL 34488-2372

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	123 N MAIN ST, READING, MI 49274-3208

Mortgage

Document Number	0001917388
Date	Mar 23, 2026
Instrument	1917/388

Lender

Name	FLAGSTAR BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2056

March 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HILLSDALE MI
Recording Date	Mar 23, 2026
Property Address	123 N MAIN ST, READING, MI 49274-3208
Document Number	001917/233
Book / Page	1917 / 233
Instrument Date	Jan 27, 2026
Transaction Type	Transfer
Record Updated	Apr 15, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3117 MORELL DR, FORT WAYNE, IN 46809-1741

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10210 NE 14TH ST, SILVER SPRINGS, FL 34488-2372

July 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HILLSDALE MI
Recording Date	Jul 21, 2022
Property Address	123 N MAIN ST, READING, MI 49274-3208
Document Number	001831/331
Book / Page	1831 / 331
Instrument Date	Jul 19, 2022
Transaction Type	Transfer
Record Updated	Aug 7, 2023
Title Company	MUTUAL TITLE AGENCY INC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	10210 NE 14TH ST, SILVER SPRINGS, FL 34488-2372

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HILLSDALE MI
Recording Date	Jul 21, 2022
Property Address	123 N MAIN ST, READING, MI 49274-3208
Document Number	001831/352
Book / Page	1831 / 352
Instrument Date	Jul 18, 2022
Transaction Type	Transfer
Record Updated	Jun 15, 2023
Title Company	MUTUAL TITLE AGENCY INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$948.75
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	123 N MAIN ST, READING, MI 49274-3208

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10210 NE 14TH ST, SILVER SPRINGS, FL 34488-2372

Mortgage

Document Number	0018310354
Date	Jul 21, 2022
Instrument	1831-0354

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2052

January 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HILLSDALE MI
Recording Date	Jan 18, 2017
Property Address	123 N MAIN ST, READING, MI 49274-3208
Document Number	01645/0432
Book / Page	1645 / 0432
Instrument Date	Jan 1, 2017
Transaction Type	Transfer
Record Updated	Jun 15, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$516.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	123 N MAIN ST, READING, MI 49274-3208

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	123 N MAIN ST, READING, MI 49274-3208

Mortgage

Document Number	0016450434
Date	Jan 18, 2017
Instrument	1645/0434

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 123 N Main St was $1,648.

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		$53,500 (-1.11%)	$106,933 (-1.1%) Land $9,407 Building $97,526
2025	$1,648.00	$54,100	$108,124 Land $9,407 Building $98,717
2023		$39,800	$79,533 Land $8,321 Building $71,212
2021	$912.00

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.

Flood

FEMA maps place 123 N Main St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective February 19, 2014

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 123 N Main 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.

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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