Hillsdale County property record for 3870 Rus Dic Dr, Reading, MI 49274
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 960 sqft |
| Lot Size | 0.282 acres (12,292 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $341,000 (May 2026) |
| Tax Bill | $875 (2025) |
| Deeds & Mortgages | May 2026 Sale & Mortgage |
| Flood Zone | Zone A (high risk) |
| APN | 10-185-001-004 |
| Primary APN | 10-185-001-004 |
|---|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 960 sqft Living Area |
| 1st Floor Area | 960 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Exterior Material | Wood Siding |
|---|---|
| Lot Area | 12,292 sqft (0.282 acres) |
| Lot Width | 71 ft Width |
| Garage Area | 528 sqft |
| Parking Spaces | 2 Parking Spaces |
| Heating System | Baseboard |
|---|
| Street Address | 3870 RUS DIC DR |
|---|---|
| City | READING |
| State | MI |
| Zip | 49274-9560 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | ZONING |
| Legal Description | LOT 4 SUNSET COVE SEC 8 T7S R4W |
| Legal Range | 04W |
| Legal Township | 07S |
| Legal Section | 08 |
| Legal Subdivision | SUNSET COVE |
| Legal Lot Number | 4 |
| Jurisdiction | HILLSDALE MI |
| Township / Civil Division | READING |
| Census Block Group | 3 |
| Census Block | 3015 |
| Census Tract | 50400 |
Source: Hillsdale County records, as of May 27, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 2549 ZEBEC ST, POWELL, OH 43065-9028 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 5, 2026 · Amount on Record |
| Deed Sale | May 5, 2026 · Amount on Record |
| Prior Sale | Sep 8, 2006 · Amount on Record |
| Deed Document Number | 2026622931 |
| Deed Book / Page | 1921 / 12 |
| Prior Transfer Date | Feb 26, 2013 |
| Prior Transfer Doc | 01521/0809 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HILLSDALE MI |
| Recording Date | May 5, 2026 |
| Property Address | 3870 RUS DIC DR, READING, MI 49274-9560 |
| Document Number | 0000622931 |
| Book / Page | 1921 / 12 |
| Instrument Date | May 1, 2026 |
| Instrument | 2026.622931 |
| Transaction Type | Transfer |
| Record Updated | May 28, 2026 |
| Title Company | MIDSTATE TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $296,192.60 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2549 ZEBEC ST, POWELL, OH 43065-9028 |
| Document Number | 0000622932, |
|---|---|
| Date | May 5, 2026 |
| Instrument | 2026.622932 |
| Name | HUNTINGTON NATIONAL BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 7.13% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
Source: Hillsdale County assessment roll, as of August 4, 2025
| Type | Name |
|---|---|
| State | Michigan |
| County | Hillsdale County |
| County Subdivision | Reading Township |
| Unified School District | Reading Community Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $875.00 (-52.05%) Homeowner's exemption | $109,100 (+4.8%) | $217,198 (+4.79%) Land $60,639 Building $156,559 |
| 2023 | $104,100 | $207,274 Land $60,639 Building $146,635 | |
| 2021 | $1,825.00 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 95% 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 66 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
5G and 4G LTE (outdoors only)
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