307 Ridge St, Reading, MI 49274 Property Records

Hillsdale County property record for 307 Ridge St, Reading, MI 49274

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 720 sqft
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on Record
Last Sale	$59,900 (May 2022)
Tax Bill	$901 (2021)
Deeds & Mortgages	May 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`20-065-001-022`

Property Details

APN / Parcel Number

Primary APN	`20-065-001-022`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	720 sqft Living Area
Basement Area	720 sqft

Exterior

Architectural Style	Ranch
Exterior Material	Brick
Lot Area	8,712 sqft (0.2 acres)
Garage Area	572 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air

Location & Zoning

Street Address	307 RIDGE ST
City	READING
State	MI
Zip	49274-9545
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 26 CHAPMANS ADD SEC 27 T7S R4W CITY OF READING
Legal Subdivision	CHAPMANS ADD
Legal Lot Number	26
Jurisdiction	HILLSDALE MI
Township / Civil Division	READING
Census Block Group	4
Census Block	4009
Census Tract	50400

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	316 S HAYWARD ST, READING, MI 49274
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 9, 2022 · Amount on Record
Deed Sale	May 9, 2022 · Amount on Record
Prior Sale	Mar 16, 2012 · Amount on Record
Deed Document Number	0018251245
Deed Book / Page	1825 / 1245
Record Updated	Jun 7, 2026

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HILLSDALE MI
Recording Date	May 9, 2022
Property Address	307 RIDGE ST, READING, MI 49274-9545
Document Number	01825/1245
Book / Page	1825 / 1245
Map Reference	LB 63 PG 1
Instrument Date	Feb 24, 2022
Transaction Type	Transfer
Record Updated	Feb 27, 2023
Title Company	DIVERSIFIED NATIONAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$442.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9179 HUDSON RD, PITTSFORD, MI 49271-9653

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	316 S HAYWARD ST, READING, MI 49274

Mortgage

Document Number	0018251247
Date	May 9, 2022
Instrument	1825-1247

Lender

Name	CONSUMERS CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	358 Months
Due	Mar 1, 2052

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		$25,400	$50,809 Land $7,590 Building $43,219
2021	$901.00

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

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

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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