Hillsdale County property record for 2685 Ginger Hill Rd, Reading, MI 49274
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,668 sqft · built 1968 |
| Lot Size | 1.19 acres (51,862 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $99,500 (Aug 2005) |
| Tax Bill | $959 (2025) |
| Deeds & Mortgages | Apr 2019 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 10-085-001-006 |
| Primary APN | 10-085-001-006 |
|---|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,668 sqft Living Area |
| Gross Area | 1,980 sqft |
| 1st Floor Area | 1,860 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1968 |
|---|---|
| Effective Year Built | Effective 1968 |
| Architectural Style | A-Frame |
| Exterior Material | Wood Siding |
| Lot Area | 51,862 sqft (1.19 acres) |
| Lot Width | 150 ft Width |
| Garage Area | 864 sqft |
| Parking Spaces | 3 Parking Spaces |
| Heating System | Baseboard |
|---|
| Street Address | 2685 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 7 & 8 GINGER HILL HEIGHTS SEC 5 T7S R4W |
| Legal Range | 04W |
| Legal Township | 07S |
| Legal Section | 05 |
| Legal Subdivision | GINGER HILL HEIGHTS |
| Legal Lot Number | 7,8 |
| Jurisdiction | HILLSDALE MI |
| Township / Civil Division | READING |
| Census Block Group | 2 |
| Census Block | 2037 |
| Census Tract | 50400 |
2685 Ginger Hill Rd is owned and occupied by two individuals who acquired it in July 2010.
Source: Hillsdale County records, as of December 23, 2025
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 File |
|---|---|
| Mailing Address | 2685 GINGER HILL RD, READING, MI 49274-9621 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 18, 2005 · Amount on File |
| Deed Sale | Aug 18, 2005 · Amount on File |
| Prior Sale | Jul 10, 1997 · Amount on File |
| Deed Book / Page | 1223 / 532 |
| Last Transfer Date | Jul 16, 2010 |
| Transfer Doc | 1429/0569 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HILLSDALE MI |
| Property Address | 2685 GINGER HILL RD, READING, MI 49274-9621 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 1719/0134 |
|---|---|
| Date | Apr 8, 2019 |
| Book Page | 1719/0134 |
| Name | CONSUMERS CU |
|---|---|
| Type | Credit Union |
| Address | KALAMAZOO, MI 49009 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Mar 27, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 2685 Ginger Hill Rd was $959 with a homeowner's exemption.
Source: Hillsdale County assessment roll, as of August 4, 2025
| 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 |
|---|---|---|---|
| 2025 | $959.00 Homeowner's exemption | $159,900 | $296,129 Land $15,000 Building $281,129 |
| 2023 | $150,200 | $278,331 Land $15,000 Building $263,331 | |
| 2021 | $2,004.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2685 Ginger Hill Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2018.
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 risk around 2685 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 55 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Starlink Satellite | 280 / 30 |
May also be available: DMCI Broadband, Mercury Fiber.
4G LTE (outdoors only), no 5G reported
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