220 Wesley St, Reading, MI 49274 Property Records

Hillsdale County property record for 220 Wesley St, Reading, MI 49274

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,040 sqft
Lot Size	0.3 acres (13,068 sqft)
Owner	Individual Name on Record
Last Sale	$155,000 (Dec 2025)
Tax Bill	$1,425 (2024)
Deeds & Mortgages	Dec 2025 Sale Dec 2025 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`20-060-001-015`

Property Details

APN / Parcel Number

Primary APN	`20-060-001-015`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	2 Stories
Building Area	1,040 sqft Living Area

Exterior

Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	13,068 sqft (0.3 acres)
Garage Area	640 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air

Location & Zoning

Street Address	220 WESLEY ST
City	READING
State	MI
Zip	49274-9571
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 18 & N1/2 LOT 19 BERRYS WEST ADD SEC 22 T7S R4W CITY OF READING
Legal Subdivision	BERRYS WEST ADD
Legal Lot Number	18,19
Jurisdiction	HILLSDALE MI
Township / Civil Division	READING
Census Block Group	4
Census Block	4004
Census Tract	50400

Owner

Source: Hillsdale County records, as of January 9, 2026

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	220 WESLEY ST, READING, MI 49274-9571
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 30, 2025	Warranty Deed, Transfer UNKNOWN, ELEVATE TITLE AGCY OF MI LLC
Dec 8, 2025	Deed of Trust, Mortgage · Conventional Mortgage SOUTHERN MICHIGAN BANK & TRUST
Feb 2, 2021	Warranty Deed, Transfer · Conventional Mortgage CENTURY BANK & TRUST CO
Apr 20, 2018	Warranty Deed, Transfer · Conventional Mortgage AMERIFIRST FINANCIAL CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 30, 2025 · Amount on Record
Deed Sale	Dec 30, 2025 · Amount on Record
Prior Sale	Apr 20, 2018 · Amount on Record
Deed Document Number	0001911921
Deed Book / Page	1911 / 921
Record Updated	Jun 8, 2026

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HILLSDALE MI
Recording Date	Dec 30, 2025
Property Address	220 WESLEY ST, READING, MI 49274-9571
Document Number	001911/921
Book / Page	1911 / 921
Instrument Date	Dec 30, 2025
Transaction Type	Transfer
Record Updated	Jan 12, 2026
Title Company	UNKNOWN, ELEVATE TITLE AGCY OF MI LLC

Transaction

Amount	Amount Recorded
Tax	$1,162.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	220 WESLEY ST, READING, MI 49274-9571

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	220 WESLEY ST, READING, MI 49274-9571

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HILLSDALE MI
Property Address	220 WESLEY ST, READING, MI 49274-9571
Transaction Type	Mortgage
Record Updated	Dec 22, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2800 W READING RD, HILLSDALE, MI 49242-8509

Mortgage

Document Number	0001910/22
Date	Dec 8, 2025
Book Page	1910/22

Lender

Name	SOUTHERN MICHIGAN BANK & TRUST
Type	Bank
Address	COLDWATER, MI 49036

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HILLSDALE MI
Recording Date	Feb 2, 2021
Property Address	220 WESLEY ST, READING, MI 49274-9571
Document Number	001785/766
Book / Page	1785 / 766
Map Reference	LB 1 PG 8
Instrument Date	Jan 28, 2021
Transaction Type	Transfer
Record Updated	Aug 12, 2022
Title Company	MIDSTATE TITLE AGENCY/STHRN, MIDSTATE TITLE AGENCY OF SOU

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$688.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	110 WESLEY ST, 110, READING, MI 49274-9572

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	220 WESLEY ST, READING, MI 49274-9571

Mortgage

Document Number	0001785767
Date	Feb 2, 2021
Instrument	1785/767

Lender

Name	CENTURY BANK & TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HILLSDALE MI
Recording Date	Apr 20, 2018
Property Address	220 WESLEY ST, READING, MI 49274-9571
Document Number	01687/0691
Book / Page	1687 / 0691
Map Reference	LB1 PG8
Instrument Date	Apr 20, 2018
Transaction Type	Transfer
Record Updated	Aug 12, 2022
Title Company	PUBLIC TITLE COMPANY, PUBLIC TITLE CO

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$576.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2216 PONDBROOKE DR, 2216, HILLSDALE, MI 49242-9419

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	446 VILLAGE GREEN BLVD, HILLSDALE, MI 49242-5049

Mortgage

Document Number	0001687692
Date	Apr 20, 2018
Instrument	1687/692

Lender

Name	AMERIFIRST FINANCIAL CORP
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2048

Tax Assessment & Valuation

Source: Hillsdale County assessment roll, as of March 1, 2025

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
2025		$56,700 (+35.97%)	$113,444 (+36.14%) Land $9,118 Building $104,326
2024	$1,425.00 (+9.7%)
2023		$41,700	$83,327 Land $8,066 Building $75,261
2021	$1,299.00

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.

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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