309 Michigan St, Reading, MI 49274 Property Records

Hillsdale County property record for 309 Michigan St, Reading, MI 49274

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,260 sqft
Lot Size	0.278 acres (12,110 sqft)
Owner	2 Individual Names on File
Last Sale	$55,000 (Jul 2022)
Tax Bill	$1,207 (2025)
Deeds & Mortgages	Aug 2013 Mortgage Jul 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`20-085-001-029`

Property Details

APN / Parcel Number

Primary APN	`20-085-001-029`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,260 sqft Living Area
Gross Area	2,044 sqft
1st Floor Area	2,044 sqft
Basement Area	784 sqft
Unfinished Basement	784 sqft

Exterior

Architectural Style	Ranch
Exterior Material	Brick
Lot Area	12,110 sqft (0.278 acres)
Lot Dimensions	164 ft deep x 73 ft wide
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	309 MICHIGAN ST
City	READING
State	MI
Zip	49274-9692
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1LDRES
Legal Description	LOT 125 PROUTYS ADD SEC 26 T7S R4W CITY OF READING
Legal Range	04W
Legal Township	07S
Legal Section	26
Legal Subdivision	PROUTYS ADD
Legal Lot Number	125
Jurisdiction	HILLSDALE MI
Township / Civil Division	READING
Census Block Group	5
Census Block	5028
Census Tract	50400

Owner

309 Michigan St is owned and occupied by two individuals who bought it in July 2022.

Source: Hillsdale County records, as of December 23, 2025

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	2 Individual Names on File
Mailing Address	309 MICHIGAN ST, READING, MI 49274-9692
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 19, 2013	Deed of Trust, Mortgage · Conventional Mortgage SUNTRUST MORTGAGE INC
Jul 1, 2022	Warranty Deed, Transfer · Conventional Mortgage HONOR CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 1, 2022 · Amount on File
Deed Sale	Jul 1, 2022 · Amount on File
Prior Sale	Dec 28, 2007 · Amount on File
Deed Document Number	2022591947
Deed Book / Page	1829 / 1294
Prior Transfer Date	May 9, 2016
Prior Transfer Doc	1632/0986
Record Updated	Jun 8, 2026

August 2013: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HILLSDALE MI
Property Address	309 MICHIGAN ST, READING, MI 49274-9692
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01539/0914
Date	Aug 19, 2013
Book Page	1539/0914

Lender

Name	SUNTRUST MORTGAGE INC
Type	Mortgage Company
Address	RICHMOND, VA 23224

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2043

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HILLSDALE MI
Recording Date	Jul 1, 2022
Property Address	309 MICHIGAN ST, READING, MI 49274-9692
Document Number	01829/1294
Book / Page	1829 / 1294
Map Reference	MB58 PG 414
Instrument Date	Jun 24, 2022
Transaction Type	Transfer
Record Updated	Apr 3, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$412.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6940 WRIGHT RD, JONESVILLE, MI 49250-9414

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	309 MICHIGAN ST, READING, MI 49274-9692

Mortgage

Document Number	0000018301
Date	Jul 1, 2022
Instrument	1830/1

Lender

Name	HONOR CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 309 Michigan St was $1,207 with a homeowner's exemption.

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

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
2025	$1,207.00 Homeowner's exemption	$65,300	$130,695 Land $9,372 Building $121,323
2023		$47,900	$95,826 Land $8,291 Building $87,535
2021	$1,151.00

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

Flood

FEMA maps place 309 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 309 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.

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