2604 Hemlock Beach Dr, Reading, MI 49274 Property Records

Hillsdale County property record for 2604 Hemlock Beach Dr, Reading, MI 49274

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,470 sqft
Lot Size	1.17 acres (51,244 sqft)
Owner	Individual Name on Record
Last Sale	$248,000 (Oct 2024)
Tax Bill	$1,032 (2025)
Deeds & Mortgages	Jun 2023 Mortgage Jun 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`10-050-001-141`

Property Details

APN / Parcel Number

Primary APN	`10-050-001-141`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,470 sqft Living Area
Gross Area	2,205 sqft
1st Floor Area	2,205 sqft
Basement Area	1,470 sqft
Unfinished Basement	1,470 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Exterior Material	Wood Siding
Lot Area	51,244 sqft (1.17 acres)
Lot Width	160 ft Width
Garage Area	600 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	2604 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	LOT 185, 186, 187, 188, 189, 190, 191, 192, 193, 194, 195, 196, 197, 198, 199, & 200 HEMLOCK BEACH SEC 5 T7S R4W
Legal Range	04W
Legal Township	07S
Legal Section	05
Legal Subdivision	HEMLOCK BEACH
Legal Lot Number	185,186
Jurisdiction	HILLSDALE MI
Township / Civil Division	READING
Census Block Group	2
Census Block	2043
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	Individual Name on Record
Mailing Address	40 BALFOUR DR, COLDWATER, MI 49036-1702
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Woman

Deeds, Mortgages & Sale History

Date	Document
Jun 15, 2023	Deed of Trust, Mortgage · FHA Mortgage PHH MORTGAGE SERVICES CORP
Jun 22, 2018	Warranty Deed, Transfer · FHA Mortgage PLAZA HOME MORTGAGE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 9, 2024 · Amount on Record
Deed Sale	Oct 9, 2024 · Amount on Record
Prior Sale	Jun 22, 2018 · Amount on Record
Deed Document Number	2024609595
Deed Book / Page	1880 / 836
Prior Transfer Date	Jan 13, 2009
Prior Transfer Doc	1376/0538
Record Updated	Jun 8, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HILLSDALE MI
Property Address	2604 HEMLOCK BEACH DR, READING, MI 49274-8628
Transaction Type	Mortgage
Record Updated	Jul 18, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2604 HEMLOCK BEACH DR, READING, MI 49274-8628
Investor	Possibly a Property Investor

Mortgage

Document Number	0001852/51
Date	Jun 15, 2023
Book Page	1852/51

Lender

Name	PHH MORTGAGE SERVICES CORP
Type	Mortgage Company
Address	WEST PALM BEACH, FL 33416

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	322 Months
Due	Apr 1, 2050

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HILLSDALE MI
Recording Date	Jun 22, 2018
Property Address	2604 HEMLOCK BEACH DR, READING, MI 49274-8628
Document Number	01694/0633
Book / Page	1694 / 0633
Map Reference	LB3 PG4
Instrument Date	Jun 21, 2018
Transaction Type	Transfer
Record Updated	May 3, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,229.80
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2604 HEMLOCK BEACH DR, 2604, READING, MI 49274-8628

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	61967 COUNTY RD 691, HARTFORD, MI 49057
Investor	Possibly a Property Investor

Mortgage

Document Number	0001694634
Date	Jun 22, 2018
Instrument	1694/634

Lender

Name	PLAZA HOME MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2048

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	$1,032.00 (-41.43%) Homeowner's exemption	$94,500 (+6.18%)	$188,945 (+6.16%) Land $16,000 Building $172,945
2023		$89,000	$177,988 Land $16,000 Building $161,988
2021	$1,762.00

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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