Hillsdale County property record for 312 1st St, Reading, MI 49274 · Last verified August 2026
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 1,380 sqft · built 2024 |
| Lot Size | 0.313 acres (13,634 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $52,500 (May 1997) |
| Tax Bill | $3,234 (2025) |
| Deeds & Mortgages | Nov 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 20-095-001-014 |
| Primary APN | 20-095-001-014 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 1,380 sqft Living Area |
| Gross Area | 2,760 sqft |
| 1st Floor Area | 2,112 sqft |
| Basement Area | 494 sqft |
| Unfinished Basement | 494 sqft |
| Year Built | Built 2024 |
|---|---|
| Effective Year Built | Effective 2024 |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 13,634 sqft (0.313 acres) |
| Lot Dimensions | 165 ft deep x 82 ft wide |
| Garage Area | 672 sqft |
| Parking Spaces | 2 Parking Spaces |
| Heating System | Forced Air with A/C |
|---|---|
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 312 1ST ST |
|---|---|
| City | READING |
| State | MI |
| Zip | 49274-9752 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 18 THOMAS ADD SEC 27 T7S R4W CITY OF READING |
| Legal Range | 04W |
| Legal Township | 07S |
| Legal Section | 27 |
| Legal Subdivision | THOMAS ADD |
| Legal Lot Number | 18 |
| Jurisdiction | HILLSDALE MI |
| Township / Civil Division | READING |
| Census Block Group | 4 |
| Census Block | 4004 |
| Census Tract | 50400 |
Source: Hillsdale County records · APN 20-095-001-014
Assessment roll updated July 27, 2026 · Last verified August 2026
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 File |
|---|---|
| Mailing Address | 312 1ST ST, READING, MI 49274-9752 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | May 14, 1997 · Amount on Record |
| Deed Sale | May 14, 1997 · Amount on Record |
| Last Transfer Date | Nov 15, 2021 |
| Transfer Doc | 01812/1105 |
| Record Updated | Sep 20, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | HILLSDALE MI |
| Recording Date | Nov 19, 2021 |
| Property Address | 312 1ST ST, READING, MI 49274-9752 |
| Document Number | 01812/1105 |
| Book / Page | 1812 / 1105 |
| Map Reference | LB 1 PG 10 |
| Instrument Date | Nov 15, 2021 |
| Transaction Type | Transfer |
| Record Updated | May 03, 2022 |
| Title Company | NOT AVAILABLE, MIDSTATE TITLE |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 312 1ST ST, READING, MI 49274-9752 |
| Document Number | 0018121106 |
|---|---|
| Date | Nov 19, 2021 |
| Instrument | 1812/1106 |
| Name | SOUTHERN MICHIGAN BANK & TRUST |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Dec 01, 2036 |
Source: Hillsdale County records · Assessment roll updated July 27, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Hillsdale County |
| Municipality | Reading City |
| Unified School District | Reading Community Schools (KG - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $136,000 (-2.3%) | $271,909 (-2.34%) Land $9,550 Building $262,359 | |
| 2025 | $3,234.00 (+104.94%) Homeowner's exemption | $139,200 (+91.74%) | $278,425 (+91.88%) Land $9,550 Building $268,875 |
| 2023 | $72,600 | $145,104 Land $8,448 Building $136,656 | |
| 2021 | $1,578.00 |
Source: FEMA National Flood Hazard Layer, Hillsdale County (26059C), updated February 19, 2014 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 260590504004, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 1 (2001) |
| Most Recent Claim | Feb 2001, river or lake flooding |
| Wildfire Risk | Low above 6% of the US · above 15% of Michigan |
|---|---|
| Wildfire Likelihood | Less than 1 in 10,000 per year |
| Exposure | Direct burnable vegetation at the parcel |
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.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 274 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Frontier | Fiber | 7,000 / 7,000 |
| Spectrum | Cable | 1,000 / 1,000 |
| Mercury Broadband | Fixed Wireless (licensed-by-rule) | 150 / 20 |
| AT&T | Fixed Wireless | 100 / 20 |
| Starlink | Satellite (low-earth orbit) | 280 / 30 |
May also be available at this address: DMCI Broadband, Spectrum, Lakeland Internet. Availability varies by address; speeds are provider-advertised maximums, not measured.
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