3060 Lake Dr, Reading, MI 49274 Property Records

Hillsdale County property record for 3060 Lake Dr, Reading, MI 49274

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,120 sqft
Lot Size	0.316 acres (13,778 sqft)
Owner	2 Individual Names on Record
Last Sale	$180,000 (Nov 2015)
Tax Bill	$1,658 (2025)
Deeds & Mortgages	Mar 2023 Construction Loan Feb 2019 Transfer
Flood Zone	Zone X (minimal risk)
APN	`10-060-001-007`

Property Details

APN / Parcel Number

Primary APN	`10-060-001-007`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,120 sqft Living Area
1st Floor Area	838 sqft

Exterior

Exterior Material	Wood Siding
Lot Area	13,778 sqft (0.316 acres)
Lot Width	55 ft Width
Garage Area	660 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3060 LAKE DR
City	READING
State	MI
Zip	49274-9225
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ZONING
Legal Description	LOT 7 SUPERVISORS PLAT OF STEPHENS LANDING SEC 8 T7S R4W
Legal Range	04W
Legal Township	07S
Legal Section	08
Legal Subdivision	SUPERVISORS PLAT OF STEPHENS LANDING
Legal Lot Number	7
Jurisdiction	HILLSDALE MI
Township / Civil Division	READING
Census Block Group	3
Census Block	3004
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	4739 WILDFLOWER CT, ANN ARBOR, MI 48108-2779
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 31, 2023	Deed of Trust, Mortgage · Construction Mortgage OAK MORTGAGE LLC
Feb 11, 2019	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 5, 2015 · Amount on Record
Deed Sale	Nov 5, 2015 · Amount on Record
Deed Book / Page	1606 / 555
Last Transfer Date	Feb 8, 2019
Transfer Doc	1714/0316
Record Updated	Jun 8, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HILLSDALE MI
Property Address	3060 LAKE DR, READING, MI 49274-9225
Transaction Type	Mortgage
Record Updated	Apr 27, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4739 WILDFLOWER CT, ANN ARBOR, MI 48108-2779

Mortgage

Document Number	01846/1115
Date	Mar 31, 2023
Book Page	1846/1115

Lender

Name	OAK MORTGAGE LLC
Type	Mortgage Company
Address	STURGIS, MI 49091

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	6.87%
Adjustable	Adjustable Rate Rider
Type Change Date	Mar 1, 2034
Change Frequency	Annually
Min Rate At Change	4.87%
Max Rate At Change	8.87%
Index	1-Year CMT
Max Rate	12.8%

February 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HILLSDALE MI
Recording Date	Feb 11, 2019
Property Address	3060 LAKE DR, READING, MI 49274-9225
Document Number	1714/0316
Book / Page	1714 / 0316
Map Reference	LB 3 PG 41
Instrument Date	Feb 8, 2019
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Living Trust
Address	4739 WILDFLOWER CT, ANN ARBOR, MI 48108-2779
Investor	Possibly a Property Investor

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,658.00 (-48.2%)	$170,900 (+65.44%)	$341,603 (+65.36%) Land $94,350 Building $247,253
2023		$103,300	$206,577 Land $94,350 Building $112,227
2021	$3,201.00

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
Nearest Special Flood Hazard Area	Zone A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	9 in force
Nearby Flood Claims	7 (2009–2026)
Most Recent Claim	Apr 2026 · 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 98% of the US · lower than 95% of Michigan
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

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