305 W Elm St, Reading, MI 49274 Property Records

Hillsdale County property record for 305 W Elm St, Reading, MI 49274

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,170 sqft · built 1959
Lot Size	0.364 acres (15,856 sqft)
Owner	Individual Name on File
Tax Bill	$1,685 (2025)
Deeds & Mortgages	Nov 2021 Transfer Nov 2021 Transfer
Flood Zone	Zone X (minimal risk)
APN	`20-110-003-125-27-7-4`

Property Details

APN / Parcel Number

Primary APN	`20-110-003-125-27-7-4`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,170 sqft Living Area
Gross Area	1,178 sqft
1st Floor Area	1,178 sqft
Basement Area	1,170 sqft
Unfinished Basement	1,170 sqft

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1959
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	15,856 sqft (0.364 acres)
Lot Dimensions	160 ft deep x 99 ft wide
Garage Area	390 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	305 W ELM ST
City	READING
State	MI
Zip	49274-9792
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1LDRES
Legal Description	COM 165 FT W OF NW COR LOT 5 CHAPMANS ADD TH W ALG S LN ELM ST 99 FT TH S 160 FT TH E 99 FT TH N 160 FT TO POB UNPLATTED SEC
Legal Range	04W
Legal Township	07S
Legal Section	27
Legal Subdivision	CHAPMANS ADD
Legal Lot Number	5
Jurisdiction	HILLSDALE MI
Township / Civil Division	READING
Census Block Group	4
Census Block	4003
Census Tract	50400

Owner

305 W Elm St is owned and occupied by an individual who acquired it in November 2021.

Source: Hillsdale County records, as of July 27, 2026

Owner of Record	Individual Name on File
Mailing Address	305 W ELM ST, READING, MI 49274-9792
Occupancy	Owner Occupied
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
Nov 12, 2021	Intrafamily Transfer, Transfer
Nov 12, 2021	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Nov 11, 2021
Transfer Doc	1812/177
Record Updated	Sep 20, 2026

November 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HILLSDALE MI
Recording Date	Nov 12, 2021
Property Address	305 W ELM ST, READING, MI 49274-9792
Document Number	1812/177
Book / Page	1812 / 177
Instrument Date	Nov 11, 2021
Transaction Type	Transfer
Record Updated	Dec 6, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	305 W ELM ST, 305, READING, MI 49274-9792

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	305 W ELM ST, READING, MI 49274-9792

November 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HILLSDALE MI
Recording Date	Nov 12, 2021
Property Address	305 W ELM ST, READING, MI 49274-9792
Document Number	1812/175
Book / Page	1812 / 175
Instrument Date	Oct 25, 2021
Transaction Type	Transfer
Record Updated	Dec 6, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	305 W ELM ST, 305, READING, MI 49274-9792

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	305 W ELM ST, READING, MI 49274-9792

Tax Assessment & Valuation

The 2025 property tax bill for 305 W Elm St was $1,685.

Source: Hillsdale County assessment roll, as of July 27, 2026

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
2026		$89,800 (-1.64%)	$179,056 (-1.65%) Land $9,716 Building $169,340
2025	$1,685.00 Homeowner's exemption	$91,300	$182,069 Land $9,716 Building $172,353
2023		$66,800	$132,930 Land $8,595 Building $124,335
2021	$1,459.00

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

Flood

FEMA maps place 305 W Elm 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 W Elm 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 99.1% of the US · lower than 98.4% 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.

Nearby Properties on W Elm St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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