3010 Lake Dr, Reading, MI 49274 Property Records

Hillsdale County property record for 3010 Lake Dr, Reading, MI 49274

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,287 sqft
Lot Size	0.89 acres (38,779 sqft)
Owner	2 Trust Names on File
Last Sale	$56,000 (Dec 2015)
Tax Bill	$1,541 (2025)
Deeds & Mortgages	Nov 2020 Construction Loan Aug 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`10-060-001-002`

Property Details

APN / Parcel Number

Primary APN	`10-060-001-002`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,287 sqft Living Area
1st Floor Area	420 sqft

Exterior

Architectural Style	Modular
Exterior Material	Wood Siding
Lot Area	38,779 sqft (0.89 acres)
Lot Width	39 ft Width
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	3010 LAKE DR
City	READING
State	MI
Zip	49274-9225
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ZONING
Legal Description	LOT 2 ALSO THAT PRT OF LOT 1 LY SLY OF LN DESC AS COM AT PT 1393.5 FT W OF NE COR OF SEC TH S 345'E 80 FT TO POB OF THIS LN D
Legal Range	04W
Legal Township	07S
Legal Section	08
Legal Subdivision	SUPERVISORS PLAT OF STEPHENS LANDING
Legal Lot Number	2,1
Jurisdiction	HILLSDALE MI
Township / Civil Division	READING
Census Block Group	3
Census Block	3004
Census Tract	50400

Owner

3010 Lake Dr is held in a trust since December 2023.

Source: Hillsdale County records, as of December 23, 2025

Owner of Record	2 Trust Names on File
Mailing Address	5761 LARKHALL DR, TOLEDO, OH 43614-1136
Owner Type	Company
Vesting	Trust

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

Deeds, Mortgages & Sale History

Date	Document
Nov 16, 2020	Deed of Trust, Mortgage · Construction Mortgage THE HUNTINGTON NATIONAL BANK
Aug 27, 2021	Deed of Trust, Mortgage · Conventional Mortgage THE HUNTINGTON NATIONAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 22, 2015 · Amount on File
Deed Sale	Dec 22, 2015 · Amount on File
Prior Sale	Jul 28, 2000 · Amount on File
Deed Book / Page	1610 / 228
Last Transfer Date	Dec 11, 2023
Transfer Doc	001863/289
Record Updated	Jun 8, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HILLSDALE MI
Property Address	3010 LAKE DR, READING, MI 49274-9225
Transaction Type	Mortgage
Record Updated	Jul 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001779/208
Date	Nov 16, 2020
Book Page	1779/208

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43235

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	2.9%
Adjustable	Adjustable Rate Rider
Type Change Date	Dec 1, 2027
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	7.9%
Index	1-Year LIBOR
Max Rate	7.9%

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HILLSDALE MI
Property Address	3010 LAKE DR, READING, MI 49274-9225
Transaction Type	Mortgage
Record Updated	Jul 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5761 LARKEBALL DR, TOLEDO, OH 43614

Mortgage

Document Number	001805/223
Date	Aug 27, 2021
Book Page	1805/223

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43219

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Sep 1, 2041

Tax Assessment & Valuation

The 2025 property tax bill for 3010 Lake Dr was $1,541.

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	$1,541.00	$172,600	$345,135 Land $103,828 Building $241,307
2023		$165,400	$330,891 Land $103,828 Building $227,063
2021	$5,404.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 3010 Lake Dr in Zone X, an area of minimal flood risk, within 100 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 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	9 in force
Nearby Flood Claims	7 (2009–2026)
Most Recent Claim	Apr 2026 · river or lake flooding

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

Wildfire risk around 3010 Lake Dr is low, with less than 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 98% of the US · lower than 95% of Michigan
Wildfire Likelihood	Under 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 58 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

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Lake Dr

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