220 N Main St, Reading, MI 49274 Property Records

Hillsdale County property record for 220 N Main St, Reading, MI 49274

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 972 sqft · built 1847
Lot Size	0.308 acres (13,416 sqft)
Owner	2 Individual Names on File
Last Sale	$40,000 (Sep 2017)
Tax Bill	$931 (2025)
Deeds & Mortgages	Jan 2024 Mortgage Dec 2022 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`20-055-001-028`

Property Details

APN / Parcel Number

Primary APN	`20-055-001-028`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	972 sqft Living Area
Gross Area	1,141 sqft
1st Floor Area	1,141 sqft
Basement Area	803 sqft
Unfinished Basement	803 sqft

Exterior

Year Built	Built 1847
Effective Year Built	Effective 1847
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	13,416 sqft (0.308 acres)
Lot Dimensions	108 ft deep x 123 ft wide
Garage Area	816 sqft
Parking Spaces	3 Parking Spaces
Pool Area	612 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	220 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 808.5 FT N OF SE COR SEC 22 TH W 346.5 FT TH S ABT 123.75 FT TO NW COR OF LD OWNED BY GIFFEY TH E 346.5 FT TH N TO POB PA
Legal Range	04W
Legal Township	07S
Legal Section	22
Legal Subdivision	BERRYS ADD
Legal Lot Number	4
Jurisdiction	HILLSDALE MI
Township / Civil Division	READING
Census Block Group	4
Census Block	4007
Census Tract	50400

Owner

220 N Main St is owned and occupied by two individuals who acquired it in December 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	220 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
Jan 8, 2024	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC
Dec 1, 2022	Intrafamily Transfer, Transfer · FHA Mortgage ROCKET MORTGAGE LLC
Oct 17, 2018	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LOANS INC
Jun 26, 2018	Intrafamily Transfer, Transfer
Sep 26, 2017	Warranty Deed, Transfer · Conventional Mortgage CENTURY BANK & TRUST

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 26, 2017 · Amount on File
Deed Sale	Sep 26, 2017 · Amount on File
Prior Sale	Mar 19, 2004 · Amount on File
Deed Book / Page	1668 / 652
Last Transfer Date	Dec 3, 2022
Transfer Doc	0000595507
Record Updated	Sep 20, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HILLSDALE MI
Property Address	220 N MAIN ST, READING, MI 49274-9543
Transaction Type	Mortgage
Record Updated	Jan 19, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	220 N MAIN ST, READING, MI 49274-9543

Mortgage

Document Number	001864/133
Date	Jan 8, 2024
Book Page	1864/133

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	241 Months
Due	Feb 1, 2044

December 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HILLSDALE MI
Recording Date	Dec 1, 2022
Property Address	220 N MAIN ST, READING, MI 49274-9543
Document Number	001840/394
Book / Page	1840 / 394
Map Reference	LB 5 PG 8
Instrument Date	Nov 22, 2022
Transaction Type	Transfer
Record Updated	Dec 21, 2022

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
Address	26939 CRANDEN DR, PERRYSBURG, OH 43551-1004

Mortgage

Document Number	0018400924
Date	Dec 1, 2022
Instrument	1840-0924

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2053

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HILLSDALE MI
Property Address	220 N MAIN ST, READING, MI 49274-9543
Transaction Type	Mortgage
Record Updated	Aug 12, 2022
Title Company	TITLE SOURCE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01705/0621
Date	Oct 17, 2018
Book Page	1705/0621

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2048

June 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HILLSDALE MI
Recording Date	Jun 26, 2018
Property Address	220 N MAIN ST, READING, MI 49274-9543
Document Number	01694/0866
Book / Page	1694 / 0866
Map Reference	LB63 PG185
Instrument Date	Jan 11, 2018
Transaction Type	Transfer
Record Updated	Aug 12, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 116, READING, MI 49274-0116

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 116, READING, MI 49274-0116

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HILLSDALE MI
Recording Date	Sep 26, 2017
Property Address	220 N MAIN ST, READING, MI 49274-9543
Document Number	01668/0652
Book / Page	1668 / 0652
Map Reference	LB63 PG185
Instrument Date	Aug 28, 2017
Transaction Type	Transfer
Record Updated	Aug 12, 2022
Title Company	NOT AVAILABLE, MIDSTATE TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$344.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10511 OAKDELL DR, 10511, NORTH CHESTERFIELD, VA 23237-3997

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 116, READING, MI 49274-0116

Mortgage

Document Number	0016680654
Date	Sep 26, 2017
Instrument	1668/0654

Lender

Name	CENTURY BANK & TRUST
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	301 Months
Due	Oct 1, 2042

Tax Assessment & Valuation

The 2025 property tax bill for 220 N Main St was $931.

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		$39,600 (-2.94%)	$63,751 (-3.98%) Land $8,838 Building $54,913
2025	$931.00 Homeowner's exemption	$40,800	$66,394 Land $8,838 Building $57,556
2023		$31,800	$49,354 Land $7,818 Building $41,536
2021	$806.00

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

Flood

FEMA maps place 220 N Main 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 220 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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