312 S Main St, Reading, MI 49274 Property Records

Hillsdale County property record for 312 S Main St, Reading, MI 49274

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,698 sqft
Lot Size	0.324 acres (14,113 sqft)
Owner	2 Individual Names on File
Tax Bill	$2,593 (2025)
Deeds & Mortgages	Sep 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`20-045-001-010`

Property Details

APN / Parcel Number

Primary APN	`20-045-001-010`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,698 sqft Living Area
Gross Area	2,140 sqft
1st Floor Area	2,140 sqft
Basement Area	884 sqft
Unfinished Basement	884 sqft

Exterior

Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	14,113 sqft (0.324 acres)
Lot Dimensions	214 ft deep x 66 ft wide
Garage Area	672 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	312 S MAIN ST
City	READING
State	MI
Zip	49274-9705
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1LDRES
Legal Description	LOT 48 ALSO COM AT SW COR SD LOT TH W 82.5 FT TH N 66 FT TH E 82.5 FT TH S 66 FT TO POB FULLER & PROUTY ADD SEC 27 T7S R4W CI
Legal Range	04W
Legal Township	07S
Legal Section	27
Legal Subdivision	FULLER & PROUTY ADD
Legal Lot Number	48
Jurisdiction	HILLSDALE MI
Township / Civil Division	READING
Census Block Group	4
Census Block	4017
Census Tract	50400

Owner

312 S Main St is owned and occupied by two individuals who acquired it in September 2016.

Source: Hillsdale County records, as of July 27, 2026

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	312 S MAIN ST, READING, MI 49274-9705
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Sep 1, 2016
Transfer Doc	1632/0882
Record Updated	Sep 20, 2026

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HILLSDALE MI
Recording Date	Sep 14, 2022
Property Address	312 S MAIN ST, READING, MI 49274-9705
Document Number	001835/317
Book / Page	1835 / 317
Map Reference	LB AD PG 502&&503
Instrument Date	Sep 14, 2022
Transaction Type	Transfer
Record Updated	Oct 7, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,312.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10627 EMERALD DR, 10627, CEMENT CITY, MI 49233-9037

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4490 MORNING GLORY DR, READING, MI 49274-9553

Mortgage

Document Number	0018350318
Date	Sep 14, 2022
Instrument	1835-0318

Lender

Name	COUNTY NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 312 S Main St was $2,593.

Source: Hillsdale County assessment roll, as of July 27, 2026

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
2026		$84,200 (-1.64%)	$168,357 (-1.65%) Land $10,063 Building $158,294
2025	$2,593.00 Homeowner's exemption	$85,600	$171,180 Land $10,063 Building $161,117
2023		$62,600	$125,146 Land $8,902 Building $116,244
2021	$1,387.00

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

Flood

FEMA maps place 312 S Main 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

Wildfire risk around 312 S Main 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 99.1% of the US · lower than 98.4% of Michigan
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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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