Hillsdale County property record for 324 N Main St, Reading, MI 49274
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 1,238 sqft |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $51,010 (Nov 2019) |
| Tax Bill | $1,207 (2025) |
| Deeds & Mortgages | Oct 2020 Mortgage Oct 2020 Transfer + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 20-110-001-007-22-7-4 |
| Primary APN | 20-110-001-007-22-7-4 |
|---|
| Full Baths | 1 Bath |
|---|---|
| Stories | 2 Stories |
| Building Area | 1,238 sqft Living Area |
| Gross Area | 1,706 sqft |
| 1st Floor Area | 1,706 sqft |
| Basement Area | 1,238 sqft |
| Unfinished Basement | 1,238 sqft |
| Exterior Material | Wood Siding |
|---|---|
| Lot Area | 8,712 sqft (0.2 acres) |
| Lot Dimensions | 132 ft deep x 66 ft wide |
| Garage Area | 484 sqft |
| Parking Spaces | 2 Parking Spaces |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 324 N MAIN ST |
|---|---|
| City | READING |
| State | MI |
| Zip | 49274-9630 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1LDRES |
| Legal Description | COM 1485 FT N OF SE COR SEC TH W 165 FT TH N 66 FT TH E 165 FT TH S 66 FT TO POB UNPLATTED SEC 22 T7S R4W CITY OF READING .25 |
| Legal Range | 04W |
| Legal Township | 07S |
| Legal Section | 22 |
| Legal Subdivision | False |
| Jurisdiction | HILLSDALE MI |
| Township / Civil Division | READING |
| Census Block Group | 4 |
| Census Block | 4004 |
| Census Tract | 50400 |
324 N Main St is owned and occupied by two individuals who acquired it in January 2020.
Source: Hillsdale County records, as of July 27, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 324 N MAIN ST, READING, MI 49274-9630 |
| 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.
| Date | Document |
|---|---|
| Oct 6, 2020 | Deed of Trust, Mortgage · Conventional Mortgage CENTURY BANK & TRUST |
| Oct 2, 2020 | Intrafamily Transfer, Transfer |
| Nov 5, 2019 | Warranty Deed, Transfer · Commercial Mortgage CENTURY BANK & TRUST |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 5, 2019 · Amount on File |
| Deed Sale | Nov 5, 2019 · Amount on File |
| Prior Sale | Oct 10, 2005 · Amount on File |
| Deed Book / Page | 1740 / 379 |
| Last Transfer Date | Jan 2, 2020 |
| Transfer Doc | 001774/972 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HILLSDALE MI |
| Property Address | 324 N MAIN ST, READING, MI 49274-9630 |
| Transaction Type | Mortgage |
| Record Updated | Aug 12, 2022 |
| Name | Verified Name |
|---|
| Document Number | 001775/124 |
|---|---|
| Date | Oct 6, 2020 |
| Book Page | 1775/124 |
| 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 | Intrafamily Transfer |
|---|---|
| Jurisdiction | HILLSDALE MI |
| Recording Date | Oct 2, 2020 |
| Property Address | 324 N MAIN ST, READING, MI 49274-9630 |
| Document Number | 001774/972 |
| Book / Page | 1774 / 972 |
| Instrument Date | Jan 2, 2020 |
| Transaction Type | Transfer |
| Record Updated | Aug 12, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 324 N MAIN ST, READING, MI 49274-9630 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HILLSDALE MI |
| Recording Date | Nov 5, 2019 |
| Property Address | 324 N MAIN ST, READING, MI 49274-9630 |
| Document Number | 01740/0379 |
| Book / Page | 1740 / 0379 |
| Instrument Date | Nov 4, 2019 |
| Transaction Type | Transfer |
| Record Updated | Aug 12, 2022 |
| Title Company | PUBLIC TITLE COMPANY |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 113 S MAIN ST, 113, READING, MI 49274-9101 |
| Name | Verified Name |
|---|---|
| Address | 100 MICHIGAN ST # A, A, READING, MI 49274 |
| Document Number | 0001740380 |
|---|---|
| Date | Nov 5, 2019 |
| Instrument | 1740/380 |
| Name | CENTURY BANK & TRUST |
|---|---|
| Type | Bank |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 13 Months |
| Due | Dec 1, 2020 |
The 2025 property tax bill for 324 N Main St was $1,207.
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 | $50,000 (-4.03%) | $99,962 (-4.04%) Land $8,580 Building $91,382 | |
| 2025 | $1,207.00 Homeowner's exemption | $52,100 | $104,172 Land $8,580 Building $95,592 |
| 2023 | $38,300 | $76,544 Land $7,590 Building $68,954 | |
| 2021 | $1,045.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 324 N 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 324 N 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: FCC Broadband Data Collection, based on 76 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 7,000 / 7,000 |
| Spectrum Cable | 1,000 / 1,000 |
| DMCI Broadband Fiber | 1,000 / 1,000 |
| Mercury Fiber Fixed Wireless | 150 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures