404 Michigan St, Reading, MI 49274 Property Records

Hillsdale County property record for 404 Michigan St, Reading, MI 49274

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,048 sqft
Lot Size	0.125 acres (5,445 sqft)
Owner	Individual Name on Record
Last Sale	$55,000 (Aug 2018)
Tax Bill	$988 (2021)
Deeds & Mortgages	Aug 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`20-075-001-001`

Property Details

APN / Parcel Number

Primary APN	`20-075-001-001`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,048 sqft Living Area
Gross Area	1,792 sqft
Basement Area	600 sqft

Exterior

Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	5,445 sqft (0.125 acres)

Utilities, Heating & Cooling

Heating System	Forced Air

Location & Zoning

Street Address	404 MICHIGAN ST
City	READING
State	MI
Zip	49274-9693
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COM SW COR E1/2 SW1/4 SEC 23 TH N 198 FT TH E 33 FT TH S 198 FT TH W 33 FT TO POB (BEING W PART LOT 1 FITZSIMMONS ADD) ALSO C
Legal Subdivision	FITZSIMMONS ADD
Legal Lot Number	1
Jurisdiction	HILLSDALE MI
Township / Civil Division	READING
Census Block Group	5
Census Block	5018
Census Tract	50400

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	404 MICHIGAN ST, READING, MI 49274-9693
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 24, 2018 · Amount on Record
Deed Sale	Aug 24, 2018 · Amount on Record
Prior Sale	Feb 21, 2006 · Amount on Record
Deed Document Number	0017000413
Deed Book / Page	1700 / 0413
Record Updated	Jun 7, 2026

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HILLSDALE MI
Recording Date	Aug 24, 2018
Property Address	404 MICHIGAN ST, READING, MI 49274-9693
Document Number	01700/0413
Book / Page	1700 / 0413
Instrument Date	Aug 23, 2018
Transaction Type	Transfer
Record Updated	Aug 12, 2022
Title Company	MIDSTATE TITLE AGENCY/STHRN, MIDSTATE TITLE AGENCY OF SOU

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$473.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	11 KAINITE PL, 11, PALM COAST, FL 32164-5625

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12411 HARTLEY RD, WALDRON, MI 49288-9725

Mortgage

Document Number	01700/0415
Date	Aug 24, 2018
Book Page	1700/0415

Lender

Name	FIRST FEDERAL BANK OF THE MIDWEST
Type	Bank
Address	DEFIANCE, OH 43512

Agreement

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

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Michigan
County	Hillsdale County
Municipality	Reading City
Unified School District	Reading Community Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2023		$36,900	$73,755 Land $7,363 Building $66,392
2021	$988.00

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

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

Wildfire Risk	Not rated no burnable land within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	READING serves 1,078 people · EPA ID MI0005620
Water Source	Groundwater
Last State Inspection	May 2024
Lead	3 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	3 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 90 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
Mercury Fiber Fixed Wireless	150 / 20
AT&T Fixed Wireless	100 / 20

May also be available: DMCI Broadband.

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