Hillsdale County property record for 316 1st St, Reading, MI 49274
| Property Type | Single Family Home |
|---|---|
| Details | 4 ba · 1,400 sqft · built 1992 |
| Lot Size | 1.25 acres (54,450 sqft) |
| Owner | Individual Name on File |
| Last Sale | $204,000 (Jan 2020) |
| Tax Bill | $2,602 (2021) |
| Deeds & Mortgages | Oct 2020 Mortgage Jan 2020 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 20-095-001-015 |
| Primary APN | 20-095-001-015 |
|---|
| Full Baths | 4 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,400 sqft Living Area |
| Gross Area | 2,800 sqft |
| Basement Area | 1,400 sqft |
| Year Built | Built 1992 |
|---|---|
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 54,450 sqft (1.25 acres) |
| Garage Area | 2,028 sqft |
| Parking Spaces | 7 Parking Spaces |
| Total Buildings | 2 Buildings |
| Heating System | Forced Air |
|---|
| Street Address | 316 1ST ST |
|---|---|
| City | READING |
| State | MI |
| Zip | 49274-9752 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOTS 19, 20, 25 & 26 THOMAS ADD SEC 27 T7S R4W NW1/4 CITY OF READING |
| Legal Subdivision | THOMAS ADD |
| Legal Lot Number | 19,20 |
| Jurisdiction | HILLSDALE MI |
| Township / Civil Division | READING |
| Census Block Group | 4 |
| Census Block | 4004 |
| Census Tract | 50400 |
Source: Hillsdale County records, as of August 4, 2023
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 | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 316 1ST ST, READING, MI 49274-9752 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 2, 2020 | Deed of Trust, Mortgage · Conventional Mortgage CENTURY BANK & TRUST |
| Jan 2, 2020 | Warranty Deed, Transfer PUBLIC TITLE COMPANY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 2, 2020 · Amount on File |
| Deed Sale | Jan 2, 2020 · Amount on File |
| Deed Document Number | 0001747693 |
| Deed Book / Page | 1747 / 693 |
| Record Updated | Jun 7, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HILLSDALE MI |
| Property Address | 316 1ST ST, READING, MI 49274-9752 |
| Transaction Type | Mortgage |
| Record Updated | Aug 12, 2022 |
| Name | Verified Name |
|---|
| Document Number | 01774/1034 |
|---|---|
| Date | Oct 2, 2020 |
| Book Page | 1774/1034 |
| Name | CENTURY BANK & TRUST |
|---|---|
| Type | Bank |
| Address | READING, MI 49274 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HILLSDALE MI |
| Recording Date | Jan 2, 2020 |
| Property Address | 316 1ST ST, READING, MI 49274-9752 |
| Document Number | 01747/0693 |
| Book / Page | 1747 / 0693 |
| Map Reference | LB 1 PG 10 |
| Transaction Type | Transfer |
| Record Updated | Aug 12, 2022 |
| Title Company | PUBLIC TITLE COMPANY |
| Amount | Amount on Record |
|---|---|
| Tax | $1,754.40 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 316 1ST ST, 316, READING, MI 49274-9752 |
| Name | Verified Name |
|---|---|
| Address | 3981 RUS DIC DR, READING, MI 49274-9559 |
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 | $84,900 | $169,788 Land $11,783 Building $158,005 | |
| 2021 | $2,602.00 |
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 · 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 85% 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.
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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