3891 Rus Dic Dr, Reading, MI 49274 Property Records

Hillsdale County property record for 3891 Rus Dic Dr, Reading, MI 49274

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,404 sqft
Lot Size	1.12 acres (49,172 sqft)
Owner	2 Individual Names on Record
Last Sale	$95,000 (Feb 2013)
Tax Bill	$678 (2025)
Deeds & Mortgages	May 2020 Mortgage Oct 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`10-185-001-012`

Property Details

APN / Parcel Number

Primary APN	`10-185-001-012`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,404 sqft Living Area
1st Floor Area	988 sqft
Basement Area	988 sqft
Unfinished Basement	988 sqft

Exterior

Exterior Material	Wood Siding
Lot Area	49,172 sqft (1.12 acres)
Lot Width	159 ft Width
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Hot Water

Location & Zoning

Street Address	3891 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 11 SUNSET COVE SEC 8 T7S R4W
Legal Range	04W
Legal Township	07S
Legal Section	08
Legal Subdivision	SUNSET COVE
Legal Lot Number	11
Jurisdiction	HILLSDALE MI
Township / Civil Division	READING
Census Block Group	3
Census Block	3016
Census Tract	50400

Owner

Source: Hillsdale County records, as of December 23, 2025

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	3891 RUS DIC DR, READING, MI 49274-9560
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 20, 2020	Deed of Trust, Mortgage · Conventional Mortgage COUNTY NATIONAL BANK
Oct 22, 2018	Deed of Trust, Mortgage · Conventional Mortgage CROSSCOUNTRY MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 28, 2013 · Amount on Record
Deed Sale	Feb 28, 2013 · Amount on Record
Prior Sale	Feb 4, 2010 · Amount on Record
Deed Book / Page	1520 / 829
Record Updated	Jun 8, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HILLSDALE MI
Property Address	3891 RUS DIC DR, READING, MI 49274-9560
Transaction Type	Mortgage
Record Updated	Jun 3, 2020
Title Company	MIDSTATE TTL AGCY OF SOUTHER

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1762/999
Date	May 20, 2020
Book Page	1762/999

Lender

Name	COUNTY NATIONAL BANK
Type	Bank
Address	HILLSDALE, MI 49242

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2050

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HILLSDALE MI
Property Address	3891 RUS DIC DR, READING, MI 49274-9560
Transaction Type	Mortgage
Record Updated	Nov 2, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1705/0980
Date	Oct 22, 2018
Book Page	1705/0980

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company
Address	BRECKSVILLE, OH 44141

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2048

Tax Assessment & Valuation

Source: Hillsdale County assessment roll, as of August 4, 2025

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
2025	$678.00 (-40.05%) Homeowner's exemption	$87,800 (+6.17%)	$174,940 (+6.11%) Land $15,968 Building $158,972
2023		$82,700	$164,863 Land $15,968 Building $148,895
2021	$1,131.00

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

Flood

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 87% 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.

Internet Providers

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

Cell Coverage

5G and 4G LTE (outdoors only)

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