2640 Ginger Hill Rd, Reading, MI 49274 Property Records

Hillsdale County property record for 2640 Ginger Hill Rd, Reading, MI 49274

Property Summary

Property Type	Single Family Home
Details	1 ba · 672 sqft
Lot Size	0.71 acres (30,953 sqft)
Owner	2 Individual Names on Record
Last Sale	$145,000 (Oct 2017)
Tax Bill	$845 (2025)
Deeds & Mortgages	Dec 2020 Mortgage Jun 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`10-085-001-014`

Property Details

APN / Parcel Number

Primary APN	`10-085-001-014`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	672 sqft Living Area
1st Floor Area	672 sqft

Exterior

Exterior Material	Wood Siding
Lot Area	30,953 sqft (0.71 acres)
Lot Width	100 ft Width
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	2640 GINGER HILL RD
City	READING
State	MI
Zip	49274-9621
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ZONING
Legal Description	LOT 17 GINGER HILL HEIGHTS SEC 5 T7S R4W
Legal Range	04W
Legal Township	07S
Legal Section	05
Legal Subdivision	GINGER HILL HEIGHTS
Legal Lot Number	17
Jurisdiction	HILLSDALE MI
Township / Civil Division	READING
Census Block Group	2
Census Block	2037
Census Tract	50400

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	10091 BANKERS RD, QUINCY, MI 49082-9634
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Date	Document
Dec 28, 2020	Deed of Trust, Mortgage · Conventional Mortgage CENTURY BANK & TRUST
Jun 1, 2018	Deed of Trust, Mortgage · Conventional Mortgage CENTURY BANK & TRUST
Oct 3, 2017	Warranty Deed, Transfer · Commercial Mortgage CENTURY BANK & TRUST

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 3, 2017 · Amount on Record
Deed Sale	Oct 3, 2017 · Amount on Record
Prior Sale	Sep 13, 1999 · Amount on Record
Deed Book / Page	1669 / 578
Last Transfer Date	May 6, 2025
Transfer Doc	01893/1082
Record Updated	Jun 8, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HILLSDALE MI
Property Address	2640 GINGER HILL RD, READING, MI 49274-9621
Transaction Type	Mortgage
Record Updated	Jan 8, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1782/720
Date	Dec 28, 2020
Book Page	1782/720

Lender

Name	CENTURY BANK & TRUST
Type	Bank
Address	COLDWATER, MI 49036

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jan 1, 2036

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HILLSDALE MI
Property Address	2640 GINGER HILL RD, READING, MI 49274-9621
Transaction Type	Mortgage
Record Updated	Jun 22, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1692/0049
Date	Jun 1, 2018
Book Page	1692/0049

Lender

Name	CENTURY BANK & TRUST
Type	Bank
Address	COLDWATER, MI 49036

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2048

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HILLSDALE MI
Recording Date	Oct 3, 2017
Property Address	2640 GINGER HILL RD, READING, MI 49274-9621
Document Number	1669/0578
Book / Page	1669 / 0578
Map Reference	LB4 PG36
Instrument Date	Oct 3, 2017
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	PUBLIC TITLE COMPANY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,247.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	190 FLAMINGO BLVD, 190, LIVONIA, MI 49152

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	694 YORKSHIRE DR, OVIEDO, FL 32765-8158

Mortgage

Document Number	1669/0579
Date	Oct 3, 2017
Book Page	1669/0579

Lender

Name	CENTURY BANK & TRUST
Type	Bank
Address	COLDWATER, MI 49036

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	13 Months
Due	Nov 1, 2018

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	$845.00 (-71.5%)	$97,200 (+3.74%)	$194,305 (+3.7%) Land $85,017 Building $109,288
2023		$93,700	$187,380 Land $85,017 Building $102,363
2021	$2,965.00

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 · 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

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

Wildfire Risk	Low lower than 94% of the US · lower than 85% of Michigan
Wildfire Likelihood	Under 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 46 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

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