221 East, Reading, MI 49274 Property Records

Hillsdale County property record for 221 East, Reading, MI 49274

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 598 sqft
Lot Size	0.219 acres (9,540 sqft)
Owner	Individual Name on Record
Last Sale	$90,000 (May 2020)
Tax Bill	$1,806 (2025)
Deeds & Mortgages	Aug 2023 Mortgage Nov 2022 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`20-075-001-036`

Property Details

APN / Parcel Number

Primary APN	`20-075-001-036`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	598 sqft Living Area
Gross Area	1,070 sqft
1st Floor Area	1,070 sqft
Basement Area	598 sqft
Unfinished Basement	598 sqft

Exterior

Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	9,540 sqft (0.219 acres)
Lot Dimensions	140 ft deep x 68 ft wide
Garage Area	252 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	221 EAST
City	READING
State	MI
Zip	49274-9112
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1LDRES
Legal Description	COM 66 FT S OF NW COR LOT 54 TH S 66 FT TH E TO W LN LSMS R/R R/W TH NELY ALG SD R/R TO PT BEING DUE E OF POB TH W TO POB FIT
Legal Range	04W
Legal Township	07S
Legal Section	26
Legal Subdivision	FITZSIMMONS ADD
Legal Lot Number	54
Jurisdiction	HILLSDALE MI
Township / Civil Division	READING
Census Block Group	5
Census Block	5027
Census Tract	50400

Owner

Source: Hillsdale County records, as of July 27, 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	221 EAST, READING, MI 49274-9112
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 2, 2023	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC
Nov 30, 2022	Deed of Trust, Mortgage · Line of Credit COASTAL COMMUNITY BANK
May 7, 2020	Personal Representative Deed, Transfer QUICKEN LOANS INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 7, 2020 · Amount on Record
Deed Sale	May 7, 2020 · Amount on Record
Prior Sale	Mar 3, 2006 · Amount on Record
Deed Book / Page	1761 / 1066
Prior Transfer Date	Apr 10, 1996
Record Updated	Oct 29, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HILLSDALE MI
Property Address	221 EAST, READING, MI 49274-9112
Transaction Type	Mortgage
Record Updated	Aug 17, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	221 EAST, READING, MI 49274-9112

Mortgage

Document Number	01854/1239
Date	Aug 2, 2023
Book Page	1854/1239

Lender

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

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2053

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HILLSDALE MI
Property Address	221 EAST, READING, MI 49274-9112
Transaction Type	Mortgage
Record Updated	Dec 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	221 EAST, READING, MI 49274-9112

Mortgage

Document Number	001840/249
Date	Nov 30, 2022
Book Page	1840/249

Lender

Name	COASTAL COMMUNITY BANK
Type	Bank
Address	BURLINGAME, CA 94010

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2020: Personal Representative Deed, Transfer

Document Type	Personal Representative Deed
Jurisdiction	HILLSDALE MI
Recording Date	May 7, 2020
Property Address	221 EAST, READING, MI 49274-9112
Document Number	01761/1066
Book / Page	1761 / 1066
Instrument Date	Apr 22, 2020
Transaction Type	Transfer
Record Updated	Jul 22, 2022
Title Company	AMROCK INC, AMROCK

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$778.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4451 LONG LAKE RD, 4451, READING, MI 49274-9735

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	221 EAST, READING, MI 49274-9112

Mortgage

Document Number	0017611068
Date	May 7, 2020
Instrument	1761/1068

Lender

Name	QUICKEN LOANS INC
Type	Mortgage Company

Agreement

Amount	Amount Recorded
Term	360 Months
Due	May 1, 2050

Tax Assessment & Valuation

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		$67,700 (+33.01%)	$133,772 (+33.39%) Land $8,787 Building $124,985
2025	$1,806.00 (+15.55%)
2023		$50,900	$100,285 Land $7,774 Building $92,511
2021	$1,563.00

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

Flood

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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 90 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Spectrum Cable	1,000 / 1,000
Mercury Fiber Fixed Wireless	150 / 20
AT&T Fixed Wireless	100 / 20

May also be available: DMCI Broadband.

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