2557 Hemlock Beach Dr, Reading, MI 49274 Property Records

Hillsdale County property record for 2557 Hemlock Beach Dr, Reading, MI 49274

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,558 sqft
Lot Size	0.441 acres (19,238 sqft)
Owner	2 Individual Names on Record
Last Sale	$169,900 (Jun 2020)
Tax Bill	$780 (2025)
Deeds & Mortgages	Jun 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`10-050-001-148`

Property Details

APN / Parcel Number

Primary APN	`10-050-001-148`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,558 sqft Living Area
1st Floor Area	1,558 sqft
Basement Area	1,142 sqft
Unfinished Basement	1,142 sqft

Exterior

Exterior Material	Wood Siding
Lot Area	19,238 sqft (0.441 acres)
Lot Width	80 ft Width
Pool Area	512 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	2557 HEMLOCK BEACH DR
City	READING
State	MI
Zip	49274-8628
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ZONING
Legal Description	LOTS 223, 224, 225, 226, 227, & 228 HEMLOCK BEACH SEC 5 T7S R4W
Legal Range	04W
Legal Township	07S
Legal Section	05
Legal Subdivision	HEMLOCK BEACH
Legal Lot Number	223,224
Jurisdiction	HILLSDALE MI
Township / Civil Division	READING
Census Block Group	2
Census Block	2048
Census Tract	50400

Owner

Source: Hillsdale County records, as of December 23, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	2557 HEMLOCK BEACH DR, READING, MI 49274-8628
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 11, 2020 · Amount on Record
Deed Sale	Jun 11, 2020 · Amount on Record
Prior Sale	Mar 19, 2013 · Amount on Record
Deed Book / Page	1764 / 406
Prior Transfer Date	Dec 30, 2008
Prior Transfer Doc	01376/0996
Record Updated	Jun 8, 2026

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HILLSDALE MI
Recording Date	Jun 11, 2020
Property Address	2557 HEMLOCK BEACH DR, READING, MI 49274-8628
Document Number	001764/406
Book / Page	1764 / 406
Map Reference	LB 3 PG 4
Instrument Date	Jun 9, 2020
Transaction Type	Transfer
Record Updated	Aug 12, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,462.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2557 HEMLOCK BEACH DR, 2557, READING, MI 49274-8628

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2557 HEMLOCK BEACH DR, READING, MI 49274-8628

Mortgage

Document Number	0001764407
Date	Jun 11, 2020
Instrument	1764/407

Lender

Name	RUOFF MORTGAGE COMPANY INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2050

Tax Assessment & Valuation

Source: Hillsdale County assessment roll, as of August 4, 2025

Property Jurisdictions

Type	Name
State	Michigan
County	Hillsdale County
County Subdivision	Reading Township
Unified School District	Reading Community Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$780.00 (-52.76%) Homeowner's exemption	$85,800 (+6.45%)	$167,479 (+6.42%) Land $8,000 Building $159,479
2023		$80,600	$157,369 Land $8,000 Building $149,369
2021	$1,651.00

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	3 in force
Nearby Flood Claims	1 (2018)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Feb 2018 · rainfall accumulation

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 80% of the US · above 51% of Michigan
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

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 145 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

May also be available: DMCI Broadband, Mercury Fiber.

Cell Coverage

4G LTE (outdoors only), no 5G reported

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