305 Michigan St, Reading, MI 49274 Property Records

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

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,268 sqft
Lot Size	0.248 acres (10,803 sqft)
Owner	Individual Name on File
Last Sale	$187,000 (Sep 2022)
Tax Bill	$851 (2021)
Deeds & Mortgages	Sep 2022 Sale & Mortgage Sep 2020 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`20-085-001-028`

Property Details

APN / Parcel Number

Primary APN	`20-085-001-028`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,268 sqft Living Area
Gross Area	2,020 sqft
Basement Area	916 sqft

Exterior

Architectural Style	Ranch
Exterior Material	Wood Siding
Lot Area	10,803 sqft (0.248 acres)
Garage Area	216 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Forced Air

Location & Zoning

Street Address	305 MICHIGAN ST
City	READING
State	MI
Zip	49274-9692
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 124 PROUTYS ADD SEC 26 T7S R4W CITY OF READING
Legal Subdivision	PROUTYS ADD
Legal Lot Number	124
Jurisdiction	HILLSDALE MI
Township / Civil Division	READING
Census Block Group	5
Census Block	5028
Census Tract	50400

Owner

305 Michigan St is owned by an individual who bought it in September 2022.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	310 FLORIDA DR, OAKDALE, PA 15071-9427
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
Sep 9, 2022	Warranty Deed, Transfer · Conventional Mortgage RUOFF MORTGAGE COMPANY INC
Sep 10, 2020	Warranty Deed, Transfer
Dec 28, 2018	Sheriff's Deed, Foreclosure

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 9, 2022 · Amount on File
Deed Sale	Sep 9, 2022 · Amount on File
Prior Sale	Sep 10, 2020 · Amount on File
Deed Document Number	0018341068
Deed Book / Page	1834 / 1068
Record Updated	Jun 7, 2026

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HILLSDALE MI
Recording Date	Sep 9, 2022
Property Address	305 MICHIGAN ST, READING, MI 49274-9692
Document Number	01834/1068
Book / Page	1834 / 1068
Map Reference	LB 58 G 414
Instrument Date	Sep 8, 2022
Transaction Type	Transfer
Record Updated	May 1, 2023
Title Company	DIVERSIFIED NATIONAL TITLE AGENCY, DIVERSIFIED NATL TTL AGCY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,402.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	HC 79 BOX 7639, PINSON, AL 35126

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	310 FLORIDA DR, OAKDALE, PA 15071-9427

Mortgage

Document Number	0018341049
Date	Sep 9, 2022
Instrument	1834-1049

Lender

Name	RUOFF MORTGAGE COMPANY INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2052

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HILLSDALE MI
Recording Date	Sep 10, 2020
Property Address	305 MICHIGAN ST, READING, MI 49274-9692
Document Number	001772/785
Book / Page	1772 / 785
Map Reference	LB 58 PG 414
Instrument Date	Sep 1, 2020
Transaction Type	Transfer
Record Updated	May 1, 2023

Transaction

Amount	Amount on Record
Tax	$154.60
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	305 MICHIGAN ST, READING, MI 49274-9692

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1505 W READING RD, HILLSDALE, MI 49242-8609

December 2018: Sheriff's Deed, Foreclosure

Document Type	Sheriff's Deed
Jurisdiction	HILLSDALE MI
Recording Date	Dec 28, 2018
Property Address	305 MICHIGAN ST, READING, MI 49274-9692
Document Number	01711/0300
Book / Page	1711 / 0300
Map Reference	LB 58 PG 414
Instrument Date	Dec 21, 2018
Transaction Type	Foreclosure
Record Updated	May 1, 2023

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 81, SAINT JOSEPH, MI 49085-0081

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		$59,000	$117,905 Land $8,154 Building $109,751
2021	$851.00

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 305 Michigan St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective February 19, 2014

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 305 Michigan St has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

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 90 locations within half a mile, as of December 31, 2025

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

May also be available: DMCI Broadband.

Nearby Properties on Michigan St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures