304 1st St, Reading, MI 49274 Property Records

Hillsdale County property record for 304 1st St, Reading, MI 49274

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 800 sqft
Lot Size	0.157 acres (6,882 sqft)
Owner	Individual Name on File
Last Sale	$103,000 (Aug 2023)
Tax Bill	$734 (2021)
Deeds & Mortgages	Aug 2023 Sale & Mortgage Dec 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`20-095-001-013`

Property Details

APN / Parcel Number

Primary APN	`20-095-001-013`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	800 sqft Living Area
Gross Area	992 sqft
Basement Area	384 sqft

Exterior

Architectural Style	Ranch
Exterior Material	Wood Siding
Lot Area	6,882 sqft (0.157 acres)
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air

Location & Zoning

Street Address	304 1ST ST
City	READING
State	MI
Zip	49274-9752
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S 84 FT OF LOT 17 THOMAS ADD SEC 27 T7S R4W CITY OF READING
Legal Subdivision	THOMAS ADD
Legal Lot Number	17
Jurisdiction	HILLSDALE MI
Township / Civil Division	READING
Census Block Group	4
Census Block	4004
Census Tract	50400

Owner

304 1st St is owned by an individual who bought it in August 2023.

Source: Hillsdale County records, as of October 4, 2023

Owner of Record	Individual Name on File
Mailing Address	74 E SOUTH ST, HILLSDALE, MI 49242-1845
Owner Type	Individual

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
Aug 31, 2023	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Dec 19, 2018	Warranty Deed, Transfer · FHA Mortgage QUICKEN LOANS INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 31, 2023 · Amount on File
Deed Sale	Aug 31, 2023 · Amount on File
Prior Sale	Dec 19, 2018 · Amount on File
Deed Document Number	0001857168
Deed Book / Page	1857 / 168
Record Updated	Jun 7, 2026

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HILLSDALE MI
Recording Date	Aug 31, 2023
Property Address	304 1ST ST, READING, MI 49274-9752
Document Number	001857/168
Book / Page	1857 / 168
Map Reference	LB 1 PG 10
Instrument Date	Aug 28, 2023
Transaction Type	Transfer
Record Updated	Oct 5, 2023
Title Company	AMROCK INC, AMROCK LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$772.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	304 1ST ST, READING, MI 49274-9752

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	74 E SOUTH ST, HILLSDALE, MI 49242-1845

Mortgage

Document Number	0018570170
Date	Aug 31, 2023
Instrument	1857-0170

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2053

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HILLSDALE MI
Recording Date	Dec 19, 2018
Property Address	304 1ST ST, READING, MI 49274-9752
Document Number	01710/0740
Book / Page	1710 / 0740
Map Reference	LB 1 PG 10
Instrument Date	Dec 7, 2018
Transaction Type	Transfer
Record Updated	Aug 12, 2022
Title Company	AMROCK INC, AMROCK

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$731.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	304 1ST ST, 304, READING, MI 49274-9752

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	304 1ST ST, READING, MI 49274-9752

Mortgage

Document Number	0001710742
Date	Dec 19, 2018
Instrument	1710/742

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2049

Tax Assessment & Valuation

Source: Hillsdale County assessment roll, as of March 1, 2023

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
2023		$40,600	$81,244 Land $6,725 Building $74,519
2021	$734.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 304 1st St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2001.

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

Wildfire risk around 304 1st St 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 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.

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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