203 N Main St, Reading, MI 49274 Property Records

Hillsdale County property record for 203 N Main St, Reading, MI 49274

Property Summary

Property Type	Single Family Home
Details	5 bd · 2 ba · 1,455 sqft · built 1900
Lot Size	0.6 acres (26,136 sqft)
Owner	Individual Name on File
Tax Bill	$2,166 (2025)
Deeds & Mortgages	May 2026 Mortgage Oct 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`20-110-002-135-23-7-4`

Property Details

APN / Parcel Number

Primary APN	`20-110-002-135-23-7-4`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Total Rooms	10 Rooms
Stories	1 Story
Building Area	1,455 sqft Living Area
Gross Area	2,610 sqft
1st Floor Area	2,610 sqft
Basement Area	1,455 sqft
Unfinished Basement	1,455 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	26,136 sqft (0.6 acres)
Lot Dimensions	132 ft deep x 198 ft wide
Garage Area	1,152 sqft
Parking Spaces	4 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	203 N MAIN ST
City	READING
State	MI
Zip	49274-9543
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1LDRES
Legal Description	COM 354.75 FT N OF SW COR SEC TH E 198 FT TH N 132 FT TH W 198 FT TH S 132 FT TO POB UNPLATTED SEC 23 T7S R4W .60 A M/L CITY
Legal Range	04W
Legal Township	07S
Legal Section	23
Legal Subdivision	False
Jurisdiction	HILLSDALE MI
Township / Civil Division	READING
Census Block Group	5
Census Block	5021
Census Tract	50400

Owner

203 N Main St is owned and occupied by an individual who acquired it in February 2025.

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

Owner of Record	Individual Name on File
Mailing Address	203 N MAIN ST, READING, MI 49274-9543
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.

Deeds, Mortgages & Sale History

Date	Document
May 8, 2026	Deed of Trust, Mortgage · FHA Mortgage NEW AMERICAN FUNDING
Oct 28, 2022	Warranty Deed, Transfer · FHA Mortgage ROCKET MORTGAGE LLC
Mar 11, 2022	Warranty Deed, Transfer · VA Mortgage GOLD STAR MORTGAGE FINANCIAL GROUP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 11, 2025
Deed Sale	Feb 11, 2025
Prior Sale	Oct 28, 2022 · Amount on File
Deed Document Number	2025612054
Deed Book / Page	1888 / 374
Prior Transfer Date	Jan 25, 2025
Prior Transfer Doc	0000612054
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HILLSDALE MI
Recording Date	May 8, 2026
Property Address	203 N MAIN ST, READING, MI 49274-9543
Document Number	0000623009
Book / Page	1921 / 343
Instrument Date	May 2, 2026
Instrument	2026623009
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SOLU

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	203 N MAIN ST, READING, MI 49274-9543

Mortgage

Document Number	0000623009,
Date	May 8, 2026
Book Page	1921/343
Instrument	2026623009

Lender

Name	NEW AMERICAN FUNDING

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate	6.46%
Max Rate	-1%

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HILLSDALE MI
Recording Date	Oct 28, 2022
Property Address	203 N MAIN ST, READING, MI 49274-9543
Document Number	0001838/79
Book / Page	1838 / 79
Instrument Date	Oct 28, 2022
Transaction Type	Transfer
Record Updated	Nov 23, 2022
Title Company	PUBLIC TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,192.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	203 N MAIN ST, 203, READING, MI 49274-9543

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16 E MONTGOMERY ST, HILLSDALE, MI 49242-1045

Mortgage

Document Number	0018380080
Date	Oct 28, 2022
Instrument	1838-0080

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2052

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HILLSDALE MI
Recording Date	Mar 11, 2022
Property Address	203 N MAIN ST, READING, MI 49274-9543
Document Number	001821/349
Book / Page	1821 / 349
Instrument Date	Mar 10, 2022
Transaction Type	Transfer
Record Updated	May 3, 2022

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	340 N MONROE ST, 340, MONTPELIER, OH 43543-1059

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5907 BLAZED TRL, ROSCOMMON, MI 48653-8442

Mortgage

Document Number	0001821350
Date	Mar 11, 2022
Instrument	1821/350

Lender

Name	GOLD STAR MORTGAGE FINANCIAL GROUP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 203 N Main St was $2,166.

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		$69,800 (-1.97%)	$138,582 (-2%) Land $10,117 Building $128,465
2025	$2,166.00 Homeowner's exemption	$71,200	$141,404 Land $10,117 Building $131,287
2023		$52,300	$103,652 Land $8,950 Building $94,702
2021	$1,193.00

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 203 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 203 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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