220 N Union St, Reading, MI 49274 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 732 sqft
Lot Size	0.25 acres (10,890 sqft)
Owner	Individual Name on Record
Last Sale	$63,000 (Nov 2019)
Tax Bill	$1,147 (2021)
Deeds & Mortgages	Nov 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`20-055-001-023`

Property Details

APN / Parcel Number

Primary APN	`20-055-001-023`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	2 Stories
Building Area	732 sqft Living Area
Gross Area	1,200 sqft
Basement Area	468 sqft

Exterior

Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	10,890 sqft (0.25 acres)

Utilities, Heating & Cooling

Heating System	Forced Air

Location & Zoning

Street Address	220 N UNION ST
City	READING
State	MI
Zip	49274-9575
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 19 BERRYS ADD SEC 22 T7S R4W CITY OF READING
Legal Subdivision	BERRYS ADD
Legal Lot Number	19
Jurisdiction	HILLSDALE MI
Township / Civil Division	READING
Census Block Group	4
Census Block	4006
Census Tract	50400

Owner

Source: Hillsdale County records, as of August 4, 2023

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	490 S FREMONT RD, COLDWATER, MI 49036-9434
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 20, 2019 · Amount on Record
Deed Sale	Nov 20, 2019 · Amount on Record
Prior Sale	Mar 21, 2005
Deed Document Number	0017420708
Deed Book / Page	1742 / 0708
Record Updated	Jun 7, 2026

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HILLSDALE MI
Recording Date	Nov 20, 2019
Property Address	220 N UNION ST, READING, MI 49274-9575
Document Number	01742/0708
Book / Page	1742 / 0708
Map Reference	LB 63 PG 185
Instrument Date	Nov 19, 2019
Transaction Type	Transfer
Record Updated	Jul 22, 2022
Title Company	PUBLIC TITLE COMPANY, PUBLIC TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$541.80
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	220 N UNION ST, 220, READING, MI 49274-9575

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	490 S FREMONT RD, COLDWATER, MI 49036-9434

Mortgage

Document Number	0001742709
Date	Nov 20, 2019
Instrument	1742/709

Lender

Name	AMERIFIRST FINANCIAL CORP
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2049

Tax Assessment & Valuation

Source: Hillsdale County assessment roll, as of March 1, 2023

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
2023		$27,700	$53,836 Land $8,170 Building $45,666
2021	$1,147.00

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

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

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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