3981 Rus Dic Dr, Reading, MI 49274 Property Records

Hillsdale County property record for 3981 Rus Dic Dr, Reading, MI 49274

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,144 sqft
Owner	Individual Name on File
Last Sale	$141,500 (Dec 2019)
Tax Bill	$1,685 (2021)
Deeds & Mortgages	Dec 2019 Sale & Mortgage Nov 2017 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`10-185-001-021`

Property Details

APN / Parcel Number

Primary APN	`10-185-001-021`

Interior

Full Baths	2 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,144 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Exterior Material	Wood Siding
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air

Location & Zoning

Street Address	3981 RUS DIC DR
City	READING
State	MI
Zip	49274-9559
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 10 EXC COM SE COR OF SD LOT TH N 89 2030W ALG S LOT LN 314.2 FT TO POB TH CONT N 89 2030W ALG S LOT LN 76 FT TO CURVE TO
Legal Subdivision	SUNSET COVE
Legal Lot Number	10
Jurisdiction	HILLSDALE MI
Census Block Group	3
Census Block	3016
Census Tract	50400

Owner

3981 Rus Dic Dr is owned and occupied by an individual who bought it in December 2019.

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	3981 RUS DIC DR, READING, MI 49274-9559
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 16, 2019	Warranty Deed, Transfer · FHA Mortgage RUOFF MORTGAGE COMPANY INC
Nov 3, 2017	Warranty Deed, Transfer QUICKEN LOANS INC
May 23, 2017	Warranty Deed, Transfer PUBLIC TITLE COMPANY
Apr 12, 2017	Warranty Deed, Transfer PUBLIC TITLE COMPANY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 16, 2019 · Amount on File
Deed Sale	Dec 16, 2019 · Amount on File
Prior Sale	Nov 3, 2017 · Amount on File
Deed Document Number	0017450892
Deed Book / Page	1745 / 0892
Record Updated	Jun 7, 2026

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HILLSDALE MI
Recording Date	Dec 16, 2019
Property Address	3981 RUS DIC DR, READING, MI 49274-9559
Document Number	01745/0892
Book / Page	1745 / 0892
Map Reference	LB 7 PG 47
Instrument Date	Dec 13, 2019
Transaction Type	Transfer
Record Updated	May 3, 2022
Title Company	MIDSTATE TITLE AGENCY/STHRN, MIDSTATE TTL AGCY OF SOUTHER

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,206.90
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3981 RUS DIC DR, 3981, READING, MI 49274-9559

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	349 E BACON ST, HILLSDALE, MI 49242-1715

Mortgage

Document Number	0001745894
Date	Dec 16, 2019
Instrument	1745/894

Lender

Name	RUOFF MORTGAGE COMPANY INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2050

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HILLSDALE MI
Recording Date	Nov 3, 2017
Property Address	3981 RUS DIC DR, READING, MI 49274-9559
Document Number	1672/0983
Book / Page	1672 / 0983
Map Reference	LB7 PG47
Instrument Date	Nov 3, 2017
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	PUBLIC TITLE COMPANY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$872.90
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3891 RUS DIC DR, 3891, READING, MI 49274-9560

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	715 N WAYNE ST, WATERLOO, IN 46793-9703

Mortgage

Document Number	16720984
Date	Nov 3, 2017
Instrument	1672/0984

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2047

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HILLSDALE MI
Recording Date	May 23, 2017
Property Address	3981 RUS DIC DR, READING, MI 49274-9559
Document Number	1656/0683
Book / Page	1656 / 0683
Map Reference	LB7 PG47
Instrument Date	May 22, 2017
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	PUBLIC TITLE COMPANY

Transaction

Amount	Amount on Record
Tax	$129.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3891 RUS DIC DR, 3891, READING, MI 49274-9560

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3960 RUS DIC DR, READING, MI 49274-9559

April 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HILLSDALE MI
Recording Date	Apr 12, 2017
Property Address	3981 RUS DIC DR, READING, MI 49274-9559
Document Number	1653/0165
Book / Page	1653 / 0165
Map Reference	LB7 PG47
Instrument Date	Apr 12, 2017
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	PUBLIC TITLE COMPANY

Transaction

Amount	Amount on Record
Tax	$387.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3981 RUS DIC DR, 3981, READING, MI 49274-9559

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3891 RUS DIC DR, READING, MI 49274-9560

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		$84,500	$169,035 Land $15,000 Building $154,035
2021	$1,685.00

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

Flood

FEMA maps place 3981 Rus Dic Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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

Wildfire risk around 3981 Rus Dic 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 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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