318 Ridge St, Reading, MI 49274 Property Records

Hillsdale County property record for 318 Ridge St, Reading, MI 49274

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,488 sqft
Lot Size	0.4 acres (17,424 sqft)
Owner	2 Company Names on Record
Tax Bill	$734 (2025)
Deeds & Mortgages	May 2023 Transfer Sep 2018 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`20-065-001-028`

Property Details

APN / Parcel Number

Primary APN	`20-065-001-028`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,488 sqft Living Area
Gross Area	1,904 sqft
1st Floor Area	1,904 sqft

Exterior

Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	17,424 sqft (0.4 acres)
Lot Dimensions	132 ft deep x 132 ft wide
Garage Area	600 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	318 RIDGE ST
City	READING
State	MI
Zip	49274-9595
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1LDRES
Legal Description	LOT 36 & 37 CHAPMANS ADD SEC 27 T7S R4W CITY OF READING
Legal Range	04W
Legal Township	07S
Legal Section	27
Legal Subdivision	CHAPMANS ADD
Legal Lot Number	36,37
Jurisdiction	HILLSDALE MI
Township / Civil Division	READING
Census Block Group	4
Census Block	4010
Census Tract	50400

Owner

Source: Hillsdale County records, as of December 23, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on Record
Mailing Address	318 RIDGE ST, READING, MI 49274-9595
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Living Trust

Deeds, Mortgages & Sale History

Date	Document
May 19, 2023	Intrafamily Transfer, Transfer
Sep 25, 2018	Intrafamily Transfer, Transfer
Sep 25, 2018	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Sep 24, 2018
Transfer Doc	01703/0453
Record Updated	Jun 8, 2026

May 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HILLSDALE MI
Recording Date	May 19, 2023
Property Address	318 RIDGE ST, READING, MI 49274-9595
Document Number	001850/404
Book / Page	1850 / 404
Instrument Date	May 17, 2023
Transaction Type	Transfer
Record Updated	Jul 14, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Living Trust
Address	318 RIDGE ST, READING, MI 49274-9595

September 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HILLSDALE MI
Recording Date	Sep 25, 2018
Property Address	318 RIDGE ST, READING, MI 49274-9595
Document Number	01703/0454
Book / Page	1703 / 0454
Instrument Date	Sep 24, 2018
Transaction Type	Transfer
Record Updated	Jul 14, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	318 RIDGE ST, READING, MI 49274-9595

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	7511 W MONTGOMERY RD, CAMDEN, MI 49232-8700

September 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HILLSDALE MI
Recording Date	Sep 25, 2018
Property Address	318 RIDGE ST, READING, MI 49274-9595
Document Number	01703/0453
Book / Page	1703 / 0453
Instrument Date	Sep 24, 2018
Transaction Type	Transfer
Record Updated	Jul 14, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	318 RIDGE ST, READING, MI 49274-9595

Tax Assessment & Valuation

Source: Hillsdale County assessment roll, as of August 4, 2025

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
2025	$734.00 (-29.69%) Homeowner's exemption	$64,800 (+35.28%)	$126,525 (+36.31%) Land $9,520 Building $117,005
2023		$47,900 (+20.65%)	$92,823 (+20.88%) Land $8,422 Building $84,401
2022		$39,700	$76,792 Land $7,323 Building $69,469
2021	$1,044.00

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

Flood

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

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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