Hillsdale County property record for 4040 Beach St, Reading, MI 49274
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 676 sqft |
| Owner | Individual Name on Record |
| Last Sale | $160,000 (Aug 2021) |
| Tax Bill | $1,961 (2021) |
| Deeds & Mortgages | Aug 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 10-045-001-042 |
| Primary APN | 10-045-001-042 |
|---|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 676 sqft Living Area |
| Exterior Material | Wood Siding |
|---|
| Heating System | Forced Air |
|---|
| Street Address | 4040 BEACH ST |
|---|---|
| City | READING |
| State | MI |
| Zip | 49274-9749 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 60 HY-DA-WA BEACH SEC 17 T7S R4W |
| Legal Subdivision | HY DA WA BEACH |
| Legal Lot Number | 60 |
| Jurisdiction | HILLSDALE MI |
| Township / Civil Division | READING |
| Census Block Group | 3 |
| Census Block | 3015 |
| Census Tract | 50400 |
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 Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 12745 COUNTY ROAD J, WAUSEON, OH 43567-9312 |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 4, 2021 · Amount on Record |
| Deed Sale | Aug 4, 2021 · Amount on Record |
| Deed Document Number | 0001803158 |
| Deed Book / Page | 1803 / 158 |
| Record Updated | Jun 7, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HILLSDALE MI |
| Recording Date | Aug 4, 2021 |
| Property Address | 4040 BEACH ST, READING, MI 49274-9749 |
| Document Number | 001803/158 |
| Book / Page | 1803 / 158 |
| Map Reference | LB 2 PG 19 |
| Instrument Date | Aug 3, 2021 |
| Transaction Type | Transfer |
| Record Updated | May 3, 2022 |
| Title Company | PUBLIC TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,376.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 12232 WOODLANDS CT, 12232, PLYMOUTH, MI 48170-5210 |
| Name | Verified Name |
|---|---|
| Address | 12745 COUNTY ROAD J, WAUSEON, OH 43567-9312 |
| Document Number | 0001803159 |
|---|---|
| Date | Aug 4, 2021 |
| Instrument | 1803/159 |
| Name | THE STATE BANK & TRUST CO |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2051 |
Source: Hillsdale County assessment roll, as of March 1, 2023
| 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 |
|---|---|---|---|
| 2023 | $52,000 | $103,975 Land $42,500 Building $61,475 | |
| 2021 | $1,961.00 |
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 X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 100 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 96% of the US · lower than 91% 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 |
4G LTE (outdoors only), no 5G reported
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