3152 Totem Trl, Reading, MI 49274 Property Records

Hillsdale County property record for 3152 Totem Trl, Reading, MI 49274

Property Summary

Property Type	Single Family Home
Details	1 ba · 672 sqft
Owner	Individual Name on File
Last Sale	$125,000 (Feb 2022)
Tax Bill	$1,442 (2021)
Deeds & Mortgages	Feb 2022 Sale & Mortgage May 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`10-140-001-092`

Property Details

APN / Parcel Number

Primary APN	`10-140-001-092`

Interior

Full Baths	1 Bath
Stories	2 Stories
Building Area	672 sqft Living Area
Gross Area	840 sqft

Exterior

Exterior Material	Wood Siding

Utilities, Heating & Cooling

Heating System	Forced Air

Location & Zoning

Street Address	3152 TOTEM TRL
City	READING
State	MI
Zip	49274-9610
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 102 TOTEM VILLAGE SEC 8 T7S R4W
Legal Subdivision	TOTEM VILLAGE
Legal Lot Number	102
Jurisdiction	HILLSDALE MI
Township / Civil Division	READING
Census Block Group	3
Census Block	3004
Census Tract	50400

Owner

3152 Totem Trl is owned by an individual who bought it in February 2022.

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

Owner of Record	Individual Name on File
Mailing Address	1664 N CURTICE RD, CURTICE, OH 43412-9701
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
Feb 25, 2022	Warranty Deed, Transfer · Conventional Mortgage CITIZENS BANK NA
May 12, 2017	Warranty Deed, Transfer · VA Mortgage PNC MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 25, 2022 · Amount on File
Deed Sale	Feb 25, 2022 · Amount on File
Prior Sale	May 12, 2017 · Amount on File
Deed Document Number	0001820261
Deed Book / Page	1820 / 261
Record Updated	Jun 7, 2026

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HILLSDALE MI
Recording Date	Feb 25, 2022
Property Address	3152 TOTEM TRL, READING, MI 49274-9610
Document Number	001820/261
Book / Page	1820 / 261
Map Reference	LB 5 PG 42&43
Instrument Date	Feb 25, 2022
Transaction Type	Transfer
Record Updated	May 3, 2022
Title Company	PUBLIC TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$937.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5133 COUNTY ROAD 48, 5133, AUBURN, IN 46706-9162

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1664 N CURTICE RD, CURTICE, OH 43412-9701

Mortgage

Document Number	0001820262
Date	Feb 25, 2022
Instrument	1820/262

Lender

Name	CITIZENS BANK NA
Type	Bank

Agreement

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

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HILLSDALE MI
Recording Date	May 12, 2017
Property Address	3152 TOTEM TRL, READING, MI 49274-9610
Document Number	1655/0630
Book / Page	1655 / 0630
Map Reference	LB5 PG42
Instrument Date	Apr 26, 2017
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	NATIONALLINK

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$817.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7991 TOPINABEE DR, 7991, MONTGOMERY, MI 49255-9747

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3152 TOTEM TRL, READING, MI 49274-9610

Mortgage

Document Number	16550632
Date	May 12, 2017
Instrument	1655/0632

Lender

Name	PNC MORTGAGE LLC
Type	Lending Institution

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 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
County Subdivision	Reading Township
Unified School District	Reading Community Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2023		$52,100	$104,252 Land $9,900 Building $94,352
2021	$1,442.00

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.

Flood

FEMA maps place 3152 Totem Trl in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	9 in force
Nearby Flood Claims	7 (2009–2026)
Most Recent Claim	Apr 2026 · 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 3152 Totem Trl is low, with 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 80% of the US · above 51% of Michigan
Wildfire Likelihood	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 55 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Starlink Satellite	280 / 30

May also be available: DMCI Broadband, Mercury Fiber.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Totem Trl

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