305 Hill St, Reading, MI 49274 Property Records

Hillsdale County property record for 305 Hill St, Reading, MI 49274

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 630 sqft · built 1945
Lot Size	0.1 acres (4,356 sqft)
Owner	Individual Name on File
Last Sale	$10,300 (Feb 2020)
Tax Bill	$521 (2021)
Deeds & Mortgages	Aug 2021 Second Mortgage Feb 2020 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`20-065-001-007`

Property Details

APN / Parcel Number

Primary APN	`20-065-001-007`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	630 sqft Living Area

Exterior

Year Built	Built 1945
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	4,356 sqft (0.1 acres)

Utilities, Heating & Cooling

Heating System	Forced Air

Location & Zoning

Street Address	305 HILL ST
City	READING
State	MI
Zip	49274-9708
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	W1/2 LOT 7 CHAPMANS ADD SEC 27 T7S R4W CITY OF READING
Legal Subdivision	CHAPMANS ADD
Legal Lot Number	7
Jurisdiction	HILLSDALE MI
Township / Civil Division	READING
Census Block Group	4
Census Block	4017
Census Tract	50400

Owner

305 Hill St is owned and occupied by an individual who bought it in February 2020.

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

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	Individual Name on File
Mailing Address	305 HILL ST, READING, MI 49274-9708
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 4, 2021	Deed of Trust, Mortgage · Stand-Alone Second Mortgage HONOR CU
Feb 28, 2020	Deed, Transfer
Sep 26, 2019	Sheriff's Deed, Foreclosure

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 28, 2020 · Amount on File
Deed Sale	Feb 28, 2020 · Amount on File
Prior Sale	Sep 26, 2019 · Amount on File
Deed Document Number	0001753327
Deed Book / Page	1753 / 327
Record Updated	Jun 7, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HILLSDALE MI
Property Address	305 HILL ST, READING, MI 49274-9708
Transaction Type	Mortgage
Record Updated	Jul 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	315 READING AVE, JONESVILLE, MI 49250-9427

Mortgage

Document Number	001803/108
Date	Aug 4, 2021
Book Page	1803/108

Lender

Name	HONOR CU
Type	Credit Union
Address	BERRIEN SPRINGS, MI 49103

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	118 Months
Due	Jun 15, 2031

February 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	HILLSDALE MI
Recording Date	Feb 28, 2020
Property Address	305 HILL ST, READING, MI 49274-9708
Document Number	001753/327
Book / Page	1753 / 327
Map Reference	LB 63 PG 1
Instrument Date	Feb 1, 2020
Transaction Type	Transfer
Record Updated	Jul 22, 2022

Transaction

Amount	Amount on Record
Tax	$90.30
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	323 5TH ST, 323, EUREKA, CA 95501-0305

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	305 HILL ST, READING, MI 49274-9708

September 2019: Sheriff's Deed, Foreclosure

Document Type	Sheriff's Deed
Jurisdiction	HILLSDALE MI
Recording Date	Sep 26, 2019
Property Address	305 HILL ST, READING, MI 49274-9708
Document Number	01735/0260
Book / Page	1735 / 0260
Instrument Date	Sep 6, 2019
Transaction Type	Foreclosure
Record Updated	Jul 22, 2022

Transaction

Amount	Amount on Record
Tax	$35.20
Amount Accuracy	Full Amount Stated
Additional	Notice of Trustee Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	323 5TH ST, EUREKA, CA 95501-0305
Investor	Possibly a Property Investor

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		$16,800	$33,571 Land $6,038 Building $27,533
2021	$521.00

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

Flood

FEMA maps place 305 Hill 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 305 Hill 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 98% of the US · lower than 95% 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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