212 N Union St, Reading, MI 49274 Property Records

Hillsdale County property record for 212 N Union St, Reading, MI 49274

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,122 sqft
Lot Size	0.5 acres (21,780 sqft)
Owner	2 Individual Names on File
Tax Bill	$2,701 (2025)
Deeds & Mortgages	Oct 2023 Line of Credit Jul 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`20-055-001-031`

Property Details

APN / Parcel Number

Primary APN	`20-055-001-031`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,122 sqft Living Area
1st Floor Area	2,122 sqft
Basement Area	936 sqft
Unfinished Basement	936 sqft

Exterior

Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	21,780 sqft (0.5 acres)
Lot Dimensions	165 ft deep x 132 ft wide
Garage Area	1,626 sqft
Parking Spaces	6 Parking Spaces
Pool Area	512 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C

Location & Zoning

Street Address	212 N UNION ST
City	READING
State	MI
Zip	49274-9575
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1LDRES
Legal Description	LOTS 17 & 18 BERRYS ADD SEC 22 T7S R4W CITY OF READING COMB ON 02/11/2020 FROM 20 055 001 021, 20 055 001 022;
Legal Range	04W
Legal Township	07S
Legal Section	22
Legal Subdivision	BERRYS ADD
Legal Lot Number	17,18
Jurisdiction	HILLSDALE MI
Township / Civil Division	READING
Census Block Group	4
Census Block	4006
Census Tract	50400

Owner

212 N Union St is owned and occupied by two individuals.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	212 N UNION ST, READING, MI 49274-9575
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 12, 2023	Deed of Trust, Mortgage · Line of Credit CENTURY BANK & TRUST
Jul 14, 2017	Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB
Nov 24, 2020	Deed of Trust, Mortgage · Conventional Mortgage CENTURY BANK & TRUST

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Sep 20, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HILLSDALE MI
Property Address	212 N UNION ST, READING, MI 49274-9575
Transaction Type	Mortgage
Record Updated	Nov 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	212 N UNION ST, READING, MI 49274-9575

Mortgage

Document Number	001859/643
Date	Oct 12, 2023
Book Page	1859/643

Lender

Name	CENTURY BANK & TRUST
Type	Bank
Address	READING, MI 49274

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	121 Months
Due	Nov 1, 2033

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HILLSDALE MI
Property Address	212 N UNION ST, READING, MI 49274-9575
Transaction Type	Mortgage
Record Updated	Jul 22, 2022
Title Company	DEVON TITLE COMPANY, DEVON TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01661/0407
Date	Jul 14, 2017
Book Page	1661/0407

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Aug 1, 2032

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HILLSDALE MI
Property Address	212 N UNION ST, READING, MI 49274-9575
Transaction Type	Mortgage
Record Updated	Jul 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00001780/3
Date	Nov 24, 2020
Book Page	1780/3

Lender

Name	CENTURY BANK & TRUST
Type	Bank
Address	READING, MI 49274

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Dec 1, 2035

Tax Assessment & Valuation

The 2025 property tax bill for 212 N Union St was $2,701.

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		$118,300	$213,955 Land $10,248 Building $203,707
2025	$2,701.00
2023		$91,100	$161,177 Land $9,065 Building $152,112
2021	$2,339.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 212 N Union 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

Wildfire risk around 212 N Union 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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