324 Ridge St, Reading, MI 49274 Property Records

Hillsdale County property record for 324 Ridge St, Reading, MI 49274

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 2,538 sqft
Lot Size	0.3 acres (13,068 sqft)
Owner	Individual Name on File
Last Sale	$100,000 (Nov 2015)
Tax Bill	$2,210 (2021)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Oct 2023 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`20-065-001-058`

Property Details

APN / Parcel Number

Primary APN	`20-065-001-058`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,538 sqft Living Area
Gross Area	3,230 sqft
Basement Area	2,426 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	13,068 sqft (0.3 acres)
Garage Area	2,228 sqft
Parking Spaces	8 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air

Location & Zoning

Street Address	324 RIDGE ST
City	READING
State	MI
Zip	49274-9595
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 33, 34 & 35 CHAPMANS ADD SEC 27 T7S R4W CITY OF READING
Legal Subdivision	CHAPMANS ADD
Legal Lot Number	33,34
Jurisdiction	HILLSDALE MI
Township / Civil Division	READING
Census Block Group	4
Census Block	4010
Census Tract	50400

Owner

324 Ridge St is owned and occupied by an individual who bought it in November 2015.

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	324 RIDGE ST, READING, MI 49274-9595
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 6, 2026	Warranty Deed, Transfer · Conventional Mortgage SOUTHERN BANK & TRUST CO
Oct 3, 2023	Deed of Trust, Mortgage · Conventional Mortgage SOUTHERN MICHIGAN BANK & TRUST

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 2, 2015 · Amount on File
Deed Sale	Nov 2, 2015 · Amount on File
Deed Document Number	0016060133
Deed Book / Page	1606 / 0133
Record Updated	Sep 20, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HILLSDALE MI
Recording Date	Jul 6, 2026
Property Address	324 RIDGE ST, READING, MI 49274-9595
Document Number	0000624284
Book / Page	1925 / 995
Instrument Date	Jul 2, 2026
Instrument	2026624284
Transaction Type	Transfer
Record Updated	Jul 23, 2026
Title Company	PUBLIC SQ TITLE, PUBLIC TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$183,274.60
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	202 W ELM ST, READING, MI 49274-9754

Mortgage

Document Number	0000624285,
Date	Jul 6, 2026
Instrument	2026624285

Lender

Name	SOUTHERN BANK & TRUST CO

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.38%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HILLSDALE MI
Property Address	324 RIDGE ST, READING, MI 49274-9595
Transaction Type	Mortgage
Record Updated	Nov 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	324 RIDGE ST, READING, MI 49274-9595

Mortgage

Document Number	01858/1260
Date	Oct 3, 2023
Book Page	1858/1260

Lender

Name	SOUTHERN MICHIGAN BANK & TRUST
Type	Bank
Address	COLDWATER, MI 49036

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	358 Months
Due	Aug 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	7%
Adjustable	Adjustable Rate Rider
Type Change Date	Aug 1, 2028
Change Frequency	Annually
Min Rate At Change	5.5%
Max Rate At Change	9%
Index	1-Year CMT
Max Rate	13%

Tax Assessment & Valuation

Source: Hillsdale County assessment roll, as of March 1, 2023

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
2023		$84,500	$169,099 Land $8,066 Building $161,033
2021	$2,210.00

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

Flood

FEMA maps place 324 Ridge 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

Wildfire risk around 324 Ridge 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	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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