3221 Cove Dr, Reading, MI 49274 Property Records

Hillsdale County property record for 3221 Cove Dr, Reading, MI 49274

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,240 sqft · built 2004
Lot Size	1 acres (43,560 sqft)
Owner	2 Individual Names on File
Last Sale	$155,000 (Jul 2013)
Tax Bill	$749 (2025)
Deeds & Mortgages	Nov 2025 Line of Credit Mar 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`10-008-100-040-08-7-4`

Property Details

APN / Parcel Number

Primary APN	`10-008-100-040-08-7-4`

Interior

Full Baths	2 Baths
Stories	2 Stories
Building Area	1,240 sqft Living Area
Gross Area	2,480 sqft
1st Floor Area	2,480 sqft
Basement Area	1,240 sqft
Unfinished Basement	1,240 sqft

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Exterior Material	Wood Siding
Lot Area	43,560 sqft (1 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	3221 COVE DR
City	READING
State	MI
Zip	49274-9743
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ZONING
Legal Description	COM IN CTR HEMLOCK RD 990 FT S OF N SEC LN TO POB TH S 30 FT TH E 603 FT TH S 66 FT TH E 350 FT TH N 21 FT TH E APPROX 100 FT
Legal Range	04W
Legal Township	07S
Legal Section	08
Legal Subdivision	False
Jurisdiction	HILLSDALE MI
Township / Civil Division	READING
Census Block Group	3
Census Block	3009
Census Tract	50400

Owner

3221 Cove Dr is owned and occupied by two individuals who bought it in July 2013.

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

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	2 Individual Names on File
Mailing Address	3221 COVE DR, READING, MI 49274-9743
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 20, 2025	Deed of Trust, Mortgage · Line of Credit KEY BANK NA
Mar 8, 2019	Deed of Trust, Mortgage · Line of Credit KEY BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 1, 2013 · Amount on File
Deed Sale	Jul 1, 2013 · Amount on File
Prior Sale	Mar 26, 1992 · Amount on File
Deed Book / Page	1534 / 925
Prior Transfer Date	Jun 28, 2013
Prior Transfer Doc	1534/0924
Record Updated	Jun 8, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HILLSDALE MI
Property Address	3221 COVE DR, READING, MI 49274-9743
Transaction Type	Mortgage
Record Updated	Dec 9, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3221 COVE DR, READING, MI 49274-9743

Mortgage

Document Number	01908/1084
Date	Nov 20, 2025
Book Page	1908/1084

Lender

Name	KEY BANK NA
Type	Bank
Address	CLEVELAND, OH 44144

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Nov 3, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HILLSDALE MI
Property Address	3221 COVE DR, READING, MI 49274-9743
Transaction Type	Mortgage
Record Updated	Mar 27, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1716/0392
Date	Mar 8, 2019
Book Page	1716/0392

Lender

Name	KEY BANK NA
Type	Bank
Address	CLEVELAND, OH 44144

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	357 Months
Due	Dec 14, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 3221 Cove Dr was $749 with a homeowner's exemption.

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

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
2025	$749.00 Homeowner's exemption	$121,600	$243,161 Land $7,100 Building $236,061
2023		$103,800	$207,588 Land $6,020 Building $201,568
2021	$1,559.00

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

Flood

FEMA maps place 3221 Cove Dr 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 3221 Cove Dr 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	Indirect within ember reach
Adjoins Burnable Land	Yes

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 58 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

Cell Coverage

4G LTE (outdoors only), no 5G reported

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