Hillsdale County property record for 316 S Main St, Reading, MI 49274
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,140 sqft |
| Lot Size | 0.324 acres (14,113 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $65,000 (Jul 1995) |
| Tax Bill | $2,074 (2025) |
| Deeds & Mortgages | Sep 2023 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 20-045-001-011 |
| Primary APN | 20-045-001-011 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,140 sqft Living Area |
| Gross Area | 1,764 sqft |
| 1st Floor Area | 1,764 sqft |
| Basement Area | 624 sqft |
| Unfinished Basement | 624 sqft |
| Architectural Style | Ranch |
|---|---|
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 14,113 sqft (0.324 acres) |
| Lot Dimensions | 214 ft deep x 66 ft wide |
| Garage Area | 324 sqft |
| Parking Spaces | 1 Parking Space |
| Heating System | Forced Air with A/C |
|---|---|
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 316 S MAIN ST |
|---|---|
| City | READING |
| State | MI |
| Zip | 49274-9705 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1LDRES |
| Legal Description | LOT 49 ALSO COM AT SW COR SD LOT TH W 82.5 FT TH N 66 FT TH E 82.5 FT TH S 66 FT TO POB ALSO N 10 FT LT 50 FULLER & PROUTY AD |
| Legal Range | 04W |
| Legal Township | 07S |
| Legal Section | 27 |
| Legal Subdivision | FULLER & PROUTY ADD |
| Legal Lot Number | 49,50 |
| Jurisdiction | HILLSDALE MI |
| Township / Civil Division | READING |
| Census Block Group | 4 |
| Census Block | 4017 |
| Census Tract | 50400 |
316 S Main St is owned and occupied by two individuals who acquired it in June 2006.
Source: Hillsdale County records, as of July 27, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 316 S MAIN ST, READING, MI 49274-9705 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 26, 1995 · Amount on File |
| Deed Sale | Jul 26, 1995 · Amount on File |
| Last Transfer Date | Jun 9, 2006 |
| Transfer Doc | 1273/0476 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HILLSDALE MI |
| Property Address | 316 S MAIN ST, READING, MI 49274-9705 |
| Transaction Type | Mortgage |
| Record Updated | Nov 1, 2023 |
| Name | Verified Name |
|---|---|
| Address | 316 S MAIN ST, READING, MI 49274-9705 |
| Document Number | 001858/730 |
|---|---|
| Date | Sep 26, 2023 |
| Book Page | 1858/730 |
| Name | DISCOVER BANK |
|---|---|
| Type | Bank |
| Address | GREENWOOD, DE 19950 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Sep 25, 2038 |
The 2025 property tax bill for 316 S Main St was $2,074.
Source: Hillsdale County assessment roll, as of July 27, 2026
| 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 |
|---|---|---|---|
| 2026 | $103,200 | $206,495 Land $10,063 Building $196,432 | |
| 2025 | $2,074.00 | ||
| 2023 | $77,100 | $154,255 Land $8,902 Building $145,353 | |
| 2021 | $1,796.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 316 S Main 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 risk around 316 S Main 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 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 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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