303 1st St, Reading, MI 49274 Property Records

Hillsdale County property record for 303 1st St, Reading, MI 49274

Property Summary

Property Type	Mobile Home
Details	2 ba · 1,568 sqft · built 2010
Lot Size	0.303 acres (13,199 sqft)
Owner	2 Individual Names on Record
Last Sale	$80,000 (Mar 2023)
Tax Bill	$1,567 (2025)
Deeds & Mortgages	Feb 2017 Line of Credit Mar 2023 Sale & Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`20-095-001-007`

Property Details

APN / Parcel Number

Primary APN	`20-095-001-007`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,568 sqft Living Area
1st Floor Area	1,568 sqft

Exterior

Year Built	Built 2010
Effective Year Built	Effective 2010
Architectural Style	Mobile Home
Exterior Material	Wood Siding
Lot Area	13,199 sqft (0.303 acres)
Lot Dimensions	160 ft deep x 82 ft wide

Utilities, Heating & Cooling

Heating System	Floor/Wall Furnace
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	303 1ST ST
City	READING
State	MI
Zip	49274-9752
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Local Zoning Code	R1LDRES
Legal Description	LOT 6 THOMAS ADD SEC 27 T7S R4W CITY OF READING
Legal Range	04W
Legal Township	07S
Legal Section	27
Legal Subdivision	THOMAS ADD
Legal Lot Number	6
Jurisdiction	HILLSDALE MI
Township / Civil Division	READING
Census Block Group	4
Census Block	4005
Census Tract	50400

Owner

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

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	3570 SAND LAKE RD, READING, MI 49274-9646
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 10, 2017	Deed of Trust, Mortgage · Line of Credit MICHIGAN HOMEOWNER ASSISTANCE NONPROFIT
Mar 22, 2023	Warranty Deed, Transfer · Line of Credit CENTURY BANK & TRUST

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 22, 2023 · Amount on Record
Deed Sale	Mar 22, 2023 · Amount on Record
Prior Sale	Nov 29, 2010 · Amount on Record
Deed Document Number	2023597567
Deed Book / Page	1846 / 492
Prior Transfer Date	Jan 27, 2015
Prior Transfer Doc	01581/0917
Record Updated	Jun 8, 2026

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HILLSDALE MI
Property Address	303 1ST ST, READING, MI 49274-9752
Transaction Type	Mortgage
Record Updated	May 1, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	01647/0102
Date	Feb 10, 2017
Book Page	1647/0102

Lender

Name	MICHIGAN HOMEOWNER ASSISTANCE NONPROFIT
Type	Non-Lending Institution
Address	LANSING, MI 48912

Agreement

Type	Line of Credit
Amount	Amount Recorded

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HILLSDALE MI
Recording Date	Mar 22, 2023
Property Address	303 1ST ST, READING, MI 49274-9752
Document Number	001846/492
Book / Page	1846 / 492
Map Reference	LB 1 PG 10
Instrument Date	Mar 20, 2023
Transaction Type	Transfer
Record Updated	May 1, 2023
Title Company	PUBLIC TITLE COMPANY

Transaction

Amount	Amount Recorded
Tax	$600.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	303 1ST ST, READING, MI 49274-9752

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3570 SAND LAKE RD, READING, MI 49274-9646

Mortgage

Document Number	0018460493
Date	Mar 22, 2023
Instrument	1846-0493

Lender

Name	CENTURY BANK & TRUST
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Hillsdale County assessment roll, as of August 4, 2025

Property Jurisdictions

Type	Name
State	Michigan
County	Hillsdale County
Municipality	Reading City
Unified School District	Reading Community Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,567.00 (+56.7%)	$67,300 (+66.17%)	$134,603 (+66.22%) Land $9,454 Building $125,149
2023		$40,500	$80,978 Land $8,363 Building $72,615
2021	$1,000.00

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	1 in force
Nearby Flood Claims	1 (2001)
Most Recent Claim	Feb 2001 · 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

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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	READING serves 1,078 people · EPA ID MI0005620
Water Source	Groundwater
Last State Inspection	May 2024
Lead	3 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	3 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 274 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Mercury Fiber Fixed Wireless	150 / 20
AT&T Fixed Wireless	100 / 20

May also be available: DMCI Broadband, Lakeland Internet.

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