Hillsdale County property record for 315 N Main St, Reading, MI 49274
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1 ba · 988 sqft |
| Lot Size | 0.182 acres (7,928 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $117,000 (Dec 2021) |
| Tax Bill | $1,702 (2021) |
| Deeds & Mortgages | Jan 2024 Mortgage Dec 2021 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 20-100-001-012 |
| Primary APN | 20-100-001-012 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 988 sqft Living Area |
| Gross Area | 1,664 sqft |
| Basement Area | 676 sqft |
| Architectural Style | Ranch |
|---|---|
| Exterior Material | Wood Siding |
| Lot Area | 7,928 sqft (0.182 acres) |
| Garage Area | 252 sqft |
| Parking Spaces | 1 Parking Space |
| Heating System | Forced Air |
|---|
| Street Address | 315 N MAIN ST |
|---|---|
| City | READING |
| State | MI |
| Zip | 49274-9630 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | W1/2 LOT 11 EXC E 6 FT YOUNGS ADD SEC 23 T7S R4W CITY OF READING |
| Legal Subdivision | YOUNGS ADD |
| Legal Lot Number | 11 |
| Jurisdiction | HILLSDALE MI |
| Township / Civil Division | READING |
| Census Block Group | 5 |
| Census Block | 5020 |
| Census Tract | 50400 |
Source: Hillsdale County records, as of August 4, 2023
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 315 N MAIN ST, READING, MI 49274-9630 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 9, 2024 | Deed of Trust, Mortgage · FHA Mortgage CARRINGTON MORTGAGE SERVICES LLC |
| Dec 17, 2021 | Warranty Deed, Transfer · FHA Mortgage RUOFF MORTGAGE COMPANY INC |
| Dec 22, 2021 | Warranty Deed, Transfer PUBLIC TITLE COMPANY, PUBLIC TITLE COPANY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 22, 2021 · Amount on Record |
| Deed Sale | Dec 22, 2021 · Amount on Record |
| Prior Sale | Dec 17, 2021 · Amount on Record |
| Deed Document Number | 0001815670 |
| Deed Book / Page | 1815 / 670 |
| Record Updated | Jun 7, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HILLSDALE MI |
| Property Address | 315 N MAIN ST, READING, MI 49274-9630 |
| Transaction Type | Mortgage |
| Record Updated | Jan 23, 2024 |
| Name | Verified Name |
|---|---|
| Address | 315 N MAIN ST, READING, MI 49274-9630 |
| Document Number | 001864/180 |
|---|---|
| Date | Jan 9, 2024 |
| Book Page | 1864/180 |
| Name | CARRINGTON MORTGAGE SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | ANAHEIM, CA 92806 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 336 Months |
| Due | Jan 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HILLSDALE MI |
| Recording Date | Dec 17, 2021 |
| Property Address | 315 N MAIN ST, READING, MI 49274-9630 |
| Document Number | 001815/300 |
| Book / Page | 1815 / 300 |
| Map Reference | LB 63 PG 262&263 |
| Instrument Date | Dec 17, 2021 |
| Transaction Type | Transfer |
| Record Updated | May 3, 2022 |
| Title Company | PUBLIC TITLE COMPANY, PUBLIE TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $877.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 61100 ROMEO PLANK RD, 61100, RAY, MI 48096-2923 |
| Name | Verified Name |
|---|---|
| Address | 1200 OSSEO RD S, OSSEO, MI 49266-9003 |
| Document Number | 0001815671 |
|---|---|
| Date | Dec 17, 2021 |
| Instrument | 1815/671 |
| Name | RUOFF MORTGAGE COMPANY INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HILLSDALE MI |
| Recording Date | Dec 22, 2021 |
| Property Address | 315 N MAIN ST, READING, MI 49274-9630 |
| Document Number | 001815/670 |
| Book / Page | 1815 / 670 |
| Map Reference | LB 63 PG 262&263 |
| Instrument Date | Dec 15, 2021 |
| Transaction Type | Transfer |
| Record Updated | Jan 18, 2022 |
| Title Company | PUBLIC TITLE COMPANY, PUBLIC TITLE COPANY |
| Amount | Amount Recorded |
|---|---|
| Tax | $877.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 61100 ROMEO PLANK RD, 61100, RAY, MI 48096-2923 |
| Name | Verified Name |
|---|---|
| Address | 1200 OSSEO RD S, OSSEO, MI 49266-9003 |
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) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2023 | $54,700 | $109,408 Land $7,355 Building $102,053 | |
| 2021 | $1,702.00 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
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.
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.
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 76 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 7,000 / 7,000 |
| Spectrum Cable | 1,000 / 1,000 |
| DMCI Broadband Fiber | 1,000 / 1,000 |
| Mercury Fiber Fixed Wireless | 150 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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