Hillsdale County property record for 311 West St, Reading, MI 49274
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 960 sqft · built 1973 |
| Lot Size | 0.242 acres (10,542 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $105,000 (Sep 2000) |
| Tax Bill | $1,403 (2021) |
| Deeds & Mortgages | Aug 2026 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 20-065-001-035 |
| Primary APN | 20-065-001-035 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 960 sqft Living Area |
| Basement Area | 960 sqft |
| Year Built | Built 1973 |
|---|---|
| Architectural Style | Ranch |
| Exterior Material | Wood Siding |
| Lot Area | 10,542 sqft (0.242 acres) |
| Garage Area | 308 sqft |
| Parking Spaces | 1 Parking Space |
| Heating System | Forced Air |
|---|
| Street Address | 311 WEST ST |
|---|---|
| City | READING |
| State | MI |
| Zip | 49274-1300 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | S 52 FT LOT 46 & N 28 FT LOT 47 CHAPMANS ADD SEC 27 T7S R4W CITY OF READING |
| Legal Subdivision | CHAPMANS ADD |
| Legal Lot Number | 46,N,47 |
| Jurisdiction | HILLSDALE MI |
| Township / Civil Division | READING |
| Census Block Group | 4 |
| Census Block | 4010 |
| Census Tract | 50400 |
311 West St is owned and occupied by two individuals who bought it in September 2000.
Source: Hillsdale County records, as of August 4, 2023
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 311 WEST ST, READING, MI 49274-1300 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 29, 2000 · Amount on File |
| Deed Sale | Sep 29, 2000 · Amount on File |
| Deed Document Number | 0000911689 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HILLSDALE MI |
| Recording Date | Aug 31, 2026 |
| Property Address | 311 WEST ST, READING, MI 49274-1300 |
| Document Number | 0000625530 |
| Book / Page | 1929 / 1152 |
| Instrument Date | Aug 21, 2026 |
| Instrument | 2026625530 |
| Transaction Type | Mortgage |
| Record Updated | Sep 15, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 311 WEST ST, READING, MI 49274-1300 |
| Document Number | 0000625530, |
|---|---|
| Date | Aug 31, 2026 |
| Book Page | 1929/1152 |
| Instrument | 2026625530 |
| Name | SOUTHERN BANK & TRUST CO |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 60 Months |
| Due | Aug 15, 2031 |
| Max Rate | -1% |
|---|
Source: Hillsdale County assessment roll, as of March 1, 2023
| Type | Name |
|---|---|
| State | Michigan |
| County | Hillsdale County |
| Municipality | Reading City |
| Unified School District | Reading Community Schools (KG - 12) |
FEMA maps place 311 West 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 risk around 311 West 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 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.
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 |
| 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.
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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