324 W Elm St, Reading, MI 49274 Property Records

Hillsdale County property record for 324 W Elm St, Reading, MI 49274

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,776 sqft
Lot Size	1.11 acres (48,526 sqft)
Owner	Individual Name on File
Last Sale	$95,000 (Nov 2019)
Tax Bill	$2,236 (2021)
Deeds & Mortgages	Aug 2019 Line of Credit Nov 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`20-065-001-064`

Property Details

APN / Parcel Number

Primary APN	`20-065-001-064`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,776 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	48,526 sqft (1.11 acres)
Pool Area	648 sqft

Utilities, Heating & Cooling

Heating System	Forced Air

Location & Zoning

Street Address	324 W ELM ST
City	READING
State	MI
Zip	49274-9792
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 51, 52, 53, 54 CHAPMANS ADD SEC 27 T7S R4W CITY OF READING
Legal Subdivision	CHAPMANS ADD
Legal Lot Number	51,52
Jurisdiction	HILLSDALE MI
Township / Civil Division	READING
Census Block Group	4
Census Block	4005
Census Tract	50400

Owner

324 W Elm St is owned and occupied by an individual who bought it in November 2019.

Source: Hillsdale County records, as of August 4, 2023

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	324 W ELM ST, READING, MI 49274-9792
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.

Deeds, Mortgages & Sale History

Date	Document
Aug 26, 2019	Deed of Trust, Mortgage · Line of Credit HILLSDALE COUNTY NATIONAL BANK
Nov 12, 2019	Warranty Deed, Transfer · Conventional Mortgage HONOR CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 12, 2019 · Amount on File
Deed Sale	Nov 12, 2019 · Amount on File
Deed Document Number	0017410215
Deed Book / Page	1741 / 0215
Record Updated	Jun 7, 2026

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HILLSDALE MI
Property Address	324 W ELM ST, READING, MI 49274-9792
Transaction Type	Mortgage
Record Updated	May 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01732/0261
Date	Aug 26, 2019
Book Page	1732/0261

Lender

Name	HILLSDALE COUNTY NATIONAL BANK
Type	Bank
Address	HILLSDALE, MI 49242

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	Sep 10, 2044

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HILLSDALE MI
Recording Date	Nov 12, 2019
Property Address	324 W ELM ST, READING, MI 49274-9792
Document Number	01741/0215
Book / Page	1741 / 0215
Map Reference	LB 63 PG 1
Instrument Date	Nov 11, 2019
Transaction Type	Transfer
Record Updated	May 3, 2022
Title Company	PUBLIC TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$817.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1291 HICKORY RD, 1291, HILLSDALE, MI 49242-8405

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8333 COLE RD, READING, MI 49274-9695

Mortgage

Document Number	0001741216
Date	Nov 12, 2019
Instrument	1741/216

Lender

Name	HONOR CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2049

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		$78,000	$120,952 Land $10,976 Building $109,976
2021	$2,236.00

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

Flood

FEMA maps place 324 W Elm 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 W Elm 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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