Hillsdale County property record for 2635 Ginger Hill Rd, Reading, MI 49274
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,404 sqft |
| Owner | Individual Name on File |
| Tax Bill | $1,732 (2021) |
| Deeds & Mortgages | Feb 2019 Mortgage Dec 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 10-085-001-002 |
| Primary APN | 10-085-001-002 |
|---|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,404 sqft Living Area |
| Basement Area | 192 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Exterior Material | Wood Siding |
|---|---|
| Garage Area | 480 sqft |
| Parking Spaces | 2 Parking Spaces |
| Heating System | Forced Air |
|---|
| Street Address | 2635 GINGER HILL RD |
|---|---|
| City | READING |
| State | MI |
| Zip | 49274-9621 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 2 GINGER HILL HEIGHTS SEC 5 T7S R4W |
| Legal Subdivision | GINGER HILL HEIGHTS |
| Legal Lot Number | 2 |
| Jurisdiction | HILLSDALE MI |
| Township / Civil Division | READING |
| Census Block Group | 2 |
| Census Block | 2037 |
| Census Tract | 50400 |
2635 Ginger Hill Rd is owned and occupied by an individual who acquired it in November 2015.
Source: Hillsdale County records, as of August 4, 2023
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 2635 GINGER HILL RD, READING, MI 49274-9621 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Feb 19, 2019 | Deed of Trust, Mortgage · Commercial Mortgage CENTURY BANK & TRUST CO |
| Dec 28, 2018 | Deed of Trust, Mortgage · ARM CENTURY BANK & TRUST |
| Deed Names | Name on Deed |
|---|---|
| Prior Sale | May 25, 2004 · Amount on File |
| Last Transfer Date | Nov 5, 2015 |
| Transfer Doc | 01606/0438 |
| Record Updated | Jun 7, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HILLSDALE MI |
| Property Address | 2635 GINGER HILL RD, READING, MI 49274-9621 |
| Transaction Type | Mortgage |
| Record Updated | Aug 12, 2022 |
| Name | Verified Name |
|---|
| Document Number | 01714/0869 |
|---|---|
| Date | Feb 19, 2019 |
| Book Page | 1714/0869 |
| Name | CENTURY BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | READING, MI 49274 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 121 Months |
| Due | Mar 1, 2029 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HILLSDALE MI |
| Property Address | 2635 GINGER HILL RD, READING, MI 49274-9621 |
| Transaction Type | Mortgage |
| Record Updated | Aug 12, 2022 |
| Name | Verified Name |
|---|
| Document Number | 01711/0251 |
|---|---|
| Date | Dec 28, 2018 |
| Book Page | 1711/0251 |
| Name | CENTURY BANK & TRUST |
|---|---|
| Type | Bank |
| Address | READING, MI 49274 |
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.12% |
| Type Change Date | Jan 1, 2024 |
| Change Frequency | Annually |
| Min Rate At Change | 4.12% |
| Max Rate At Change | 6.12% |
| Index | 1-Year CMT |
| Max Rate | 11.1% |
Source: Hillsdale County assessment roll, as of March 1, 2023
| Type | Name |
|---|---|
| State | Michigan |
| County | Hillsdale County |
| County Subdivision | Reading Township |
| Unified School District | Reading Community Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2023 | $117,100 | $233,794 Land $20,000 Building $213,794 | |
| 2021 | $1,732.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2635 Ginger Hill Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| 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 risk around 2635 Ginger Hill Rd is low, with a 0.01% annual chance of 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.
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.
4G LTE (outdoors only), no 5G reported
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