2825 Hemlock Beach Dr, Reading, MI 49274 Property Records

Hillsdale County property record for 2825 Hemlock Beach Dr, Reading, MI 49274

Property Summary

Property Type	Residential Vacant Land
Lot Size	0.183 acres (8,005 sqft)
Owner	2 Individual Names on Record
Tax Bill	$110 (2025)
Deeds & Mortgages	Aug 2022 Sale & Mortgage Mar 2022 Transfer
Flood Zone	Zone X (minimal risk)
APN	`10-130-001-003`

Property Details

APN / Parcel Number

Primary APN	`10-130-001-003`

Exterior

Lot Area	8,005 sqft (0.183 acres)
Lot Width	80 ft Width

Location & Zoning

Street Address	2825 HEMLOCK BEACH DR
City	READING
State	MI
Zip	49274-9620
Property Category	Residential
Property Type	Vacant Land > Residential
Local Zoning Code	ZONING
Legal Description	LOT 3 MULBERRY HILL SEC 5 T7S R4W
Legal Range	04W
Legal Township	07S
Legal Section	05
Legal Subdivision	MULBERRY HILL
Legal Lot Number	3
Jurisdiction	HILLSDALE MI
Township / Civil Division	READING
Census Block Group	2
Census Block	2037
Census Tract	50400

Owner

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	2841 HEMLOCK BEACH DR, READING, MI 49274-9620
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 18, 2022	Warranty Deed, Transfer · FHA Mortgage RUOFF MORTGAGE COMPANY
Mar 21, 2022	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 18, 2022
Deed Sale	Aug 18, 2022
Prior Sale	Mar 21, 2022
Deed Document Number	2022593004
Deed Book / Page	1833 / 353
Transfer Doc	01821/1205
Record Updated	Sep 20, 2026

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HILLSDALE MI
Recording Date	Aug 18, 2022
Property Address	2825 HEMLOCK BEACH DR, READING, MI 49274-9620
Document Number	001833/353
Book / Page	1833 / 353
Map Reference	LB 5 PG 32
Instrument Date	Aug 13, 2022
Transaction Type	Transfer
Record Updated	Aug 7, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,080.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6050 MILTON ST APT 5113, 5113, DALLAS, TX 75206-4489

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2841 HEMLOCK BEACH DR, READING, MI 49274-9620

Mortgage

Document Number	0018330354
Date	Aug 18, 2022
Instrument	1833-0354

Lender

Name	RUOFF MORTGAGE COMPANY
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2052

March 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HILLSDALE MI
Recording Date	Mar 21, 2022
Property Address	2825 HEMLOCK BEACH DR, READING, MI 49274-9620
Document Number	01821/1205
Book / Page	1821 / 1205
Map Reference	LB 5 PG 32
Instrument Date	Feb 22, 2022
Transaction Type	Transfer
Record Updated	Mar 30, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3000 ABBOTT RD, 3000, READING, MI 49274-9624

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	6050 MILTON ST APT 5113, 5113, DALLAS, TX 75206-4489

Tax Assessment & Valuation

Source: Hillsdale County assessment roll, as of July 27, 2026

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
2026		$4,000 (-)	$8,000 (-) Land $8,000
2025	$110.00 (+46.67%) Homeowner's exemption	$4,000 (-)	$8,000 (-) Land $8,000
2023		$4,000	$8,000 Land $8,000
2021	$75.00

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
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	None beyond ember reach

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 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.

Cell Coverage

5G and 4G LTE (outdoors only)

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