3549 Lake Side Dr, Reading, MI 49274 Property Records

Hillsdale County property record for 3549 Lake Side Dr, Reading, MI 49274

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,436 sqft
Owner	Individual Name on File
Last Sale	$139,900 (Oct 2017)
Tax Bill	$2,512 (2021)
Deeds & Mortgages	Aug 2021 Mortgage Apr 2020 Mortgage + 1 more
Flood Zone	Zone A (high risk)
APN	`10-080-001-024`

Property Details

APN / Parcel Number

Primary APN	`10-080-001-024`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,436 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Exterior Material	Wood Siding
Garage Area	330 sqft
Parking Spaces	1 Parking Space
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Heating System	Forced Air

Location & Zoning

Street Address	3549 LAKE SIDE DR
City	READING
State	MI
Zip	49274-9609
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 12 & 13 SUNSET VIEW PLAT COMB ON 12/18/2014 FROM 10 080 001 015, 10 080 001 016;
Legal Subdivision	SUNSET VIEW PLAT
Legal Lot Number	12,13
Jurisdiction	HILLSDALE MI
Township / Civil Division	READING
Census Block Group	3
Census Block	3004
Census Tract	50400

Owner

3549 Lake Side Dr is owned and occupied by an individual who bought it in October 2017.

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

Owner of Record	Individual Name on File
Mailing Address	3549 LAKE SIDE DR, READING, MI 49274-9609
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 19, 2021	Deed of Trust, Mortgage · Conventional Mortgage HONOR CU
Apr 22, 2020	Deed of Trust, Mortgage · Conventional Mortgage PLANET HOME LENDING LLC
Oct 13, 2017	Warranty Deed, Transfer · Conventional Mortgage ENVOY MORTGAGE LTD

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 13, 2017 · Amount on File
Deed Sale	Oct 13, 2017 · Amount on File
Deed Document Number	0016700727
Deed Book / Page	1670 / 0727
Record Updated	Jun 7, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HILLSDALE MI
Property Address	3549 LAKE SIDE DR, READING, MI 49274-9609
Transaction Type	Mortgage
Record Updated	Aug 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001804/678
Date	Aug 19, 2021
Book Page	1804/678

Lender

Name	HONOR CU
Type	Credit Union
Address	BERRIEN SPRINGS, MI 49103

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	121 Months
Due	Sep 1, 2031

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HILLSDALE MI
Property Address	3549 LAKE SIDE DR, READING, MI 49274-9609
Transaction Type	Mortgage
Record Updated	Aug 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001758/450
Date	Apr 22, 2020
Book Page	1758/450

Lender

Name	PLANET HOME LENDING LLC
Type	Mortgage Company
Address	MERIDEN, CT 06450

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	May 1, 2035

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HILLSDALE MI
Recording Date	Oct 13, 2017
Property Address	3549 LAKE SIDE DR, READING, MI 49274-9609
Document Number	01670/0727
Book / Page	1670 / 0727
Map Reference	LB4 PG37
Instrument Date	Oct 12, 2017
Transaction Type	Transfer
Record Updated	Aug 12, 2022
Title Company	MIDSTATE TITLE AGENCY/STHRN, MIDSTATE TITLE AGENCY OF SOU

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,204.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3549 LAKE SIDE DR, 3549, READING, MI 49274-9609

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	708 SECLUSION GLEN AVE, LAS VEGAS, NV 89123-0745

Mortgage

Document Number	0016700730
Date	Oct 13, 2017
Instrument	1670/0730

Lender

Name	ENVOY MORTGAGE LTD
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2047

Tax Assessment & Valuation

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

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
2023		$89,100	$176,462 Land $16,000 Building $160,462
2021	$2,512.00

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

Flood

FEMA maps place 3549 Lake Side Dr in Zone A, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective February 19, 2014 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
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 3549 Lake Side Dr 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.

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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