309 S Main St, Reading, MI 49274 Property Records

Hillsdale County property record for 309 S Main St, Reading, MI 49274

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 608 sqft
Lot Size	0.083 acres (3,615 sqft)
Owner	Individual Name on File
Last Sale	$54,000 (Apr 2026)
Tax Bill	$717 (2025)
Deeds & Mortgages	Apr 2026 Sale & Mortgage Mar 2021 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`20-040-001-052`

Property Details

APN / Parcel Number

Primary APN	`20-040-001-052`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	608 sqft Living Area
Gross Area	800 sqft
1st Floor Area	800 sqft
Basement Area	564 sqft
Unfinished Basement	564 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Exterior Material	Aluminum/Vinyl
Lot Area	3,615 sqft (0.083 acres)
Lot Dimensions	132 ft deep x 27 ft wide
Total Buildings	2 Buildings

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	309 S MAIN ST
City	READING
State	MI
Zip	49274-9799
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1LDRES
Legal Description	COM 5.5 FT N OF SW COR LOT 29 TH E 132 FT TH N 27.5 FT TH W 132 FT TH S 27.5 FT TO POB BEING PRT OF LOTS 28 & 29 PROUTY & FUL
Legal Range	04W
Legal Township	07S
Legal Section	26
Legal Subdivision	PROUTY & FULLER ADD
Legal Lot Number	29,28
Jurisdiction	HILLSDALE MI
Township / Civil Division	READING
Census Block Group	5
Census Block	5032
Census Tract	50400

Owner

309 S Main St is owned and occupied by an individual who bought it in April 2026.

Source: Hillsdale County records, as of May 13, 2026

Owner of Record	Individual Name on File
Mailing Address	3211 KELSO RD, NORTH ADAMS, MI 49262-9727
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
Apr 30, 2026	Special Warranty Deed · Conventional Mortgage MORTGAGE CENTER LLC
Mar 29, 2021	Warranty Deed, Transfer · Conventional Mortgage AMERIFIRST FINANCIAL CORP
Nov 6, 2020	Intrafamily Transfer, Transfer
Aug 13, 2018	Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 30, 2026 · Amount on File
Deed Sale	Apr 30, 2026 · Amount on File
Prior Sale	Oct 31, 2024 · Amount on File
Deed Document Number	2026622823
Deed Book / Page	1920 / 786
Prior Transfer Date	Nov 6, 2020
Prior Transfer Doc	001778/659
Record Updated	Sep 20, 2026

April 2026: Special Warranty Deed

Document Type	Special Warranty Deed
Jurisdiction	HILLSDALE MI
Recording Date	Apr 30, 2026
Property Address	309 S MAIN ST, READING, MI 49274-9799
Document Number	0000622823
Book / Page	1920 / 786
Instrument Date	Jan 5, 2026
Instrument	2026.622823
Record Updated	May 14, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$46,904.40
Amount Accuracy	Calculated from Transfer Tax
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3211 KELSO RD, NORTH ADAMS, MI 49262-9727
Investor	Possibly a Property Investor

Mortgage

Document Number	0000622874,
Date	Apr 30, 2026
Instrument	2026.622874

Lender

Name	MORTGAGE CENTER LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Apr 1, 2046

Interest

Rate Type	Fixed Rate
Rate	6.22%
Initial Type	Fixed Rate
Max Rate	-1%

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HILLSDALE MI
Recording Date	Mar 29, 2021
Property Address	309 S MAIN ST, READING, MI 49274-9799
Document Number	001790/868
Book / Page	1790 / 868
Map Reference	LB AA PG 25
Instrument Date	Mar 26, 2021
Transaction Type	Transfer
Record Updated	Aug 12, 2022
Title Company	PUBLIC TITLE COMPANY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$670.80
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	707 RISTER ST, 707, CROSSVILLE, IL 62827-1136

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	220 N UNION ST, READING, MI 49274-9575

Mortgage

Document Number	0001790870
Date	Mar 29, 2021
Instrument	1790/870

Lender

Name	AMERIFIRST FINANCIAL CORP
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

November 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HILLSDALE MI
Recording Date	Nov 6, 2020
Property Address	309 S MAIN ST, READING, MI 49274-9799
Document Number	001778/659
Book / Page	1778 / 659
Instrument Date	Nov 6, 2020
Transaction Type	Transfer
Record Updated	Aug 12, 2022

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	313 S MAIN ST, READING, MI 49274-9799

August 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	HILLSDALE MI
Recording Date	Aug 13, 2018
Property Address	309 S MAIN ST, READING, MI 49274-9799
Document Number	01699/0345
Book / Page	1699 / 0345
Map Reference	LB AA PG
Instrument Date	Aug 10, 2018
Transaction Type	Transfer
Record Updated	Aug 12, 2022
Title Company	PUBLIC TITLE COMPANY, PUBLIC TITLE CO

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$559.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1951 S SAND LAKE RD, 1951, HILLSDALE, MI 49242-9212

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	132 E MAINST, NORTH ADAMS, MI 49262-9757

Mortgage

Document Number	0001699347
Date	Aug 13, 2018
Instrument	1699/347

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 309 S Main St was $717 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	$717.00 Homeowner's exemption	$44,400	$88,457 Land $7,524 Building $80,933
2023		$32,700	$65,058 Land $6,656 Building $58,402
2021	$1,020.00

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

Flood

FEMA maps place 309 S Main 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 S Main 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 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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