Hillsdale County property record for 400 N Main St, Reading, MI 49274
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,408 sqft |
| Lot Size | 0.25 acres (10,890 sqft) |
| Owner | Individual Name on File |
| Last Sale | $50,000 (Jul 2018) |
| Tax Bill | $1,049 (2021) |
| Deeds & Mortgages | May 2020 Mortgage Jul 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 20-110-001-006-22-7-4 |
| Primary APN | 20-110-001-006-22-7-4 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,408 sqft Living Area |
| Gross Area | 1,792 sqft |
| Basement Area | 384 sqft |
| Architectural Style | Ranch |
|---|---|
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 10,890 sqft (0.25 acres) |
| Garage Area | 520 sqft |
| Parking Spaces | 2 Parking Spaces |
| Heating System | Forced Air |
|---|
| Street Address | 400 N MAIN ST |
|---|---|
| City | READING |
| State | MI |
| Zip | 49274-9613 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | COM 1551 FT N OF SE COR SD SEC TH W 165 FT TH N 99 FT TH E 165 FT TH S 99 FT TO POB EXC N 33 FT UNPLATTED SEC 22 T7S R4W .25 |
| Jurisdiction | HILLSDALE MI |
| Township / Civil Division | READING |
| Census Block Group | 4 |
| Census Block | 4004 |
| Census Tract | 50400 |
400 N Main St is owned and occupied by an individual who bought it in July 2018.
Source: Hillsdale County records, as of August 4, 2023
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 400 N MAIN ST, READING, MI 49274-9613 |
| 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.
| Date | Document |
|---|---|
| May 19, 2020 | Deed of Trust, Mortgage · Conventional Mortgage COUNTY NATIONAL BANK |
| Jul 26, 2018 | Warranty Deed, Transfer · Conventional Mortgage HILLSDALE COUNTY NATIONAL BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 26, 2018 · Amount on File |
| Deed Sale | Jul 26, 2018 · Amount on File |
| Deed Document Number | 0001697571 |
| Deed Book / Page | 1697 / 571 |
| Record Updated | Jun 7, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HILLSDALE MI |
| Property Address | 400 N MAIN ST, READING, MI 49274-9613 |
| Transaction Type | Mortgage |
| Record Updated | May 3, 2022 |
| Name | Verified Name |
|---|
| Document Number | 001762/874 |
|---|---|
| Date | May 19, 2020 |
| Book Page | 1762/874 |
| Name | COUNTY NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | HILLSDALE, MI 49242 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HILLSDALE MI |
| Recording Date | Jul 26, 2018 |
| Property Address | 400 N MAIN ST, READING, MI 49274-9613 |
| Document Number | 01697/0571 |
| Book / Page | 1697 / 0571 |
| Instrument Date | Jul 26, 2018 |
| Transaction Type | Transfer |
| Record Updated | May 3, 2022 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $430.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 25 WARREN AVE, 25, HILLSDALE, MI 49242-1974 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 322 EST BELL ST, CAMDEN, MI 49232 |
| Document Number | 0001697574 |
|---|---|
| Date | Jul 26, 2018 |
| Instrument | 1697/574 |
| Name | HILLSDALE COUNTY NATIONAL BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2048 |
Source: Hillsdale County assessment roll, as of March 1, 2023
| Type | Name |
|---|---|
| State | Michigan |
| County | Hillsdale County |
| Municipality | Reading City |
| Unified School District | Reading Community Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2023 | $39,000 | $78,018 Land $8,170 Building $69,848 | |
| 2021 | $1,049.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 400 N Main 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 risk around 400 N Main 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 | 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 76 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 7,000 / 7,000 |
| Spectrum Cable | 1,000 / 1,000 |
| DMCI Broadband Fiber | 1,000 / 1,000 |
| Mercury Fiber Fixed Wireless | 150 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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