315 Hill St, Reading, MI 49274 Property Records

Hillsdale County property record for 315 Hill St, Reading, MI 49274

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,069 sqft
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on File
Last Sale	$50,000 (Jul 2008)
Tax Bill	$1,126 (2021)
Deeds & Mortgages	Jan 2023 Mortgage Apr 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`20-065-001-010`

Property Details

APN / Parcel Number

Primary APN	`20-065-001-010`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Stories	2 Stories
Building Area	1,069 sqft Living Area
Gross Area	1,426 sqft
Basement Area	890 sqft

Exterior

Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	8,712 sqft (0.2 acres)
Garage Area	1,136 sqft
Parking Spaces	4 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air

Location & Zoning

Street Address	315 HILL ST
City	READING
State	MI
Zip	49274-9708
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 10 CHAPMANS ADD SEC 27 T7S R4W CITY OF READING
Legal Subdivision	CHAPMANS ADD
Legal Lot Number	10
Jurisdiction	HILLSDALE MI
Township / Civil Division	READING
Census Block Group	4
Census Block	4017
Census Tract	50400

Owner

315 Hill St is owned and occupied by an individual who bought it in July 2008.

Source: Hillsdale County records, as of August 4, 2023

Owner of Record	Individual Name on File
Mailing Address	315 HILL ST, READING, MI 49274-9708
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
Jan 18, 2023	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC
Apr 25, 2017	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LOANS INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 21, 2008 · Amount on File
Deed Sale	Jul 21, 2008 · Amount on File
Deed Document Number	0013590870
Deed Book / Page	1359 / 0870
Record Updated	Jun 7, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HILLSDALE MI
Property Address	315 HILL ST, READING, MI 49274-9708
Transaction Type	Mortgage
Record Updated	Feb 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	315 HILL ST, READING, MI 49274-9708

Mortgage

Document Number	001842/817
Date	Jan 18, 2023
Book Page	1842/817

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2053

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HILLSDALE MI
Property Address	315 HILL ST, READING, MI 49274-9708
Transaction Type	Mortgage
Record Updated	Jul 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01654/0251
Date	Apr 25, 2017
Book Page	1654/0251

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2047

Tax Assessment & Valuation

Source: Hillsdale County assessment roll, as of March 1, 2023

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
2023		$50,100	$100,193 Land $7,590 Building $92,603
2021	$1,126.00

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

Flood

FEMA maps place 315 Hill 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 315 Hill 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.

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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