Hillsdale County property record for 2656 Ginger Hill Rd, Reading, MI 49274
| Property Type | Single Family Home |
|---|---|
| Details | 1.5 ba · 1,376 sqft |
| Lot Size | 0.708 acres (30,843 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $3,186 (2025) |
| Deeds & Mortgages | Feb 2021 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 10-085-001-013 |
| Primary APN | 10-085-001-013 |
|---|
| Full Baths | 1.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,376 sqft Living Area |
| 1st Floor Area | 1,376 sqft |
| Basement Area | 936 sqft |
| Unfinished Basement | 936 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Exterior Material | Wood Siding |
|---|---|
| Lot Area | 30,843 sqft (0.708 acres) |
| Lot Width | 100 ft Width |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 2656 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 16 GINGER HILL HEIGHTS SEC 5 T7S R4W |
| Legal Range | 04W |
| Legal Township | 07S |
| Legal Section | 05 |
| Legal Subdivision | GINGER HILL HEIGHTS |
| Legal Lot Number | 16 |
| Jurisdiction | HILLSDALE MI |
| Township / Civil Division | READING |
| Census Block Group | 2 |
| Census Block | 2037 |
| Census Tract | 50400 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 2656 GINGER HILL RD, READING, MI 49274-9621 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 12, 1998 |
| Deed Sale | Dec 12, 1998 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HILLSDALE MI |
| Property Address | 2656 GINGER HILL RD, READING, MI 49274-9621 |
| Transaction Type | Mortgage |
| Record Updated | Feb 16, 2021 |
| Title Company | FIRST AMERICAN TITLE CO |
| Name | Verified Name |
|---|
| Document Number | 1785/1191 |
|---|---|
| Date | Feb 5, 2021 |
| Book Page | 1785/1191 |
| Name | PREMIER BANK |
|---|---|
| Type | Bank |
| Address | GENOA, OH 43430 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 237 Months |
| Due | Nov 28, 2040 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Hillsdale County assessment roll, as of July 27, 2026
| 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 |
|---|---|---|---|
| 2026 | $164,800 (+10.68%) | $329,516 (+10.63%) Land $85,026 Building $244,490 | |
| 2025 | $3,186.00 (+21.19%) | ||
| 2023 | $148,900 | $297,860 Land $85,026 Building $212,834 | |
| 2021 | $2,629.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
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 |
5G (outdoors only) and 4G LTE
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