313 Chestnut St, Reading, MI 49274 Property Records

Hillsdale County property record for 313 Chestnut St, Reading, MI 49274

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 992 sqft
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Individual Names on Record
Tax Bill	$1,359 (2024)
Deeds & Mortgages	Nov 2025 Line of Credit Nov 2025 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`20-045-001-059`

Property Details

APN / Parcel Number

Primary APN	`20-045-001-059`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	992 sqft Living Area

Exterior

Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	8,712 sqft (0.2 acres)

Utilities, Heating & Cooling

Heating System	Forced Air

Location & Zoning

Street Address	313 CHESTNUT ST
City	READING
State	MI
Zip	49274-9109
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 94 FULLER & PROUTY ADD SEC 26 T7S R4W CITY OF READING
Legal Subdivision	FULLER & PROUTY ADD
Legal Lot Number	94
Jurisdiction	HILLSDALE MI
Township / Civil Division	READING
Census Block Group	5
Census Block	5036
Census Tract	50400

Owner

Source: Hillsdale County records, as of December 8, 2025

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 Record
Co-owner	2 Co-owners on Record
Mailing Address	313 CHESTNUT ST, SAGINAW, MI 48601
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 24, 2025	Deed of Trust, Mortgage · Line of Credit CENTURY BANK & TRUST
Nov 20, 2025	Intrafamily Transfer, Transfer
Mar 10, 2021	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	4 Names on Deed
Prior Sale	Mar 10, 2021
Last Transfer Date	Nov 20, 2025
Transfer Doc	01908/1120
Record Updated	Jun 8, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HILLSDALE MI
Property Address	313 CHESTNUT ST, READING, MI 49274-9109
Transaction Type	Mortgage
Record Updated	Dec 22, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	313 CHESTNUT ST, READING, MI 49274-9109

Mortgage

Document Number	01908/1288
Date	Nov 24, 2025
Book Page	1908/1288

Lender

Name	CENTURY BANK & TRUST
Type	Bank
Address	COLDWATER, MI 49036

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	121 Months
Due	Dec 1, 2035

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HILLSDALE MI
Recording Date	Nov 20, 2025
Property Address	313 CHESTNUT ST, READING, MI 49274-9109
Document Number	01908/1120
Book / Page	1908 / 1120
Map Reference	LB 3 PG 4
Instrument Date	Nov 17, 2025
Transaction Type	Transfer
Record Updated	Dec 9, 2025

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7091 ABBOTT RD, READING, MI 49274-9711

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	313 CHESTNUT ST, SAGINAW, MI 48601

March 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HILLSDALE MI
Recording Date	Mar 10, 2021
Property Address	313 CHESTNUT ST, READING, MI 49274-9109
Document Number	01788/1089
Book / Page	1788 / 1089
Map Reference	LB AD PG 503
Instrument Date	Mar 10, 2021
Transaction Type	Transfer
Record Updated	Jul 22, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7755 N 630 E, 7755, FREMONT, IN 46737-9569

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	313 CHESTNUT ST, READING, MI 49274-9109

Tax Assessment & Valuation

Source: Hillsdale County assessment roll, as of March 1, 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		$54,200 (+36.18%)	$108,349 (+36.18%) Land $8,580 Building $99,769
2024	$1,359.00 (+9.69%)
2023		$39,800	$79,562 Land $7,590 Building $71,972
2021	$1,239.00

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

Flood

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

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.

Nearby Properties on Chestnut St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures