Hillsdale County property record for 406 N Main St, Reading, MI 49274
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 810 sqft |
| Lot Size | 0.7 acres (30,492 sqft) |
| Owner | Individual Name on File |
| Last Sale | $104,000 (Nov 2020) |
| Tax Bill | $1,198 (2021) |
| Deeds & Mortgages | Mar 2020 Second Mortgage Jul 2020 Second Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 20-110-001-050-22-7-4 |
| Primary APN | 20-110-001-050-22-7-4 |
|---|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 810 sqft Living Area |
| Exterior Material | Wood Siding |
|---|---|
| Lot Area | 30,492 sqft (0.7 acres) |
| Garage Area | 2,088 sqft |
| Parking Spaces | 7 Parking Spaces |
| Heating System | Forced Air |
|---|
| Street Address | 406 N MAIN ST |
|---|---|
| City | READING |
| State | MI |
| Zip | 49274-9613 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | COM SE COR SEC TH N ALG E SEC LN 1650 FT TO POB TH W 465 FT TH N 66 FT TH E 465 FT TO E SEC LN TH S ALG SD E LN 66 FT TO POB |
| Jurisdiction | HILLSDALE MI |
| Census Block Group | 4 |
| Census Block | 4004 |
| Census Tract | 50400 |
406 N Main St is owned and occupied by an individual who bought it in November 2020.
Source: Hillsdale County records, as of August 4, 2023
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 406 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 |
|---|---|
| Mar 2, 2020 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage COMMUNITY CHOICE CU |
| Jul 6, 2020 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage COMMUNITY CHOICE CU |
| Nov 17, 2020 | Warranty Deed, Transfer · Conventional Mortgage GVC MORTGAGE |
| Mar 27, 2018 | Deed, Transfer |
| Jul 25, 2017 | Sheriff's Deed, Foreclosure ATTORNEY ONLY, ATTORNEY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 17, 2020 · Amount on File |
| Deed Sale | Nov 17, 2020 · Amount on File |
| Prior Sale | Mar 27, 2018 · Amount on File |
| Deed Document Number | 0001779361 |
| Deed Book / Page | 1779 / 361 |
| Record Updated | Jun 7, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HILLSDALE MI |
| Property Address | 406 N MAIN ST, READING, MI 49274-9613 |
| Transaction Type | Mortgage |
| Record Updated | Aug 12, 2022 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO |
| Name | Verified Name |
|---|
| Document Number | 001753/342 |
|---|---|
| Date | Mar 2, 2020 |
| Book Page | 1753/342 |
| Name | COMMUNITY CHOICE CU |
|---|---|
| Type | Credit Union |
| Address | FARMINGTON, MI 48334 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Mar 6, 2035 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HILLSDALE MI |
| Property Address | 406 N MAIN ST, READING, MI 49274-9613 |
| Transaction Type | Mortgage |
| Record Updated | Aug 12, 2022 |
| Name | Verified Name |
|---|
| Document Number | 001766/146 |
|---|---|
| Date | Jul 6, 2020 |
| Book Page | 1766/146 |
| Name | COMMUNITY CHOICE CU |
|---|---|
| Type | Credit Union |
| Address | FARMINGTON, MI 48334 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Jul 10, 2035 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HILLSDALE MI |
| Recording Date | Nov 17, 2020 |
| Property Address | 406 N MAIN ST, READING, MI 49274-9613 |
| Document Number | 001779/361 |
| Book / Page | 1779 / 361 |
| Instrument Date | Nov 12, 2020 |
| Transaction Type | Transfer |
| Record Updated | Aug 12, 2022 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $894.40 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 406 N MAIN ST, 406, READING, MI 49274-9613 |
| Name | Verified Name |
|---|---|
| Address | 123 CHESTNUT ST, ADRIAN, MI 49221-2141 |
| Document Number | 0001779363 |
|---|---|
| Date | Nov 17, 2020 |
| Instrument | 1779/363 |
| Name | GVC MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2050 |
| Document Type | Deed |
|---|---|
| Jurisdiction | HILLSDALE MI |
| Recording Date | Mar 27, 2018 |
| Property Address | 406 N MAIN ST, READING, MI 49274-9613 |
| Document Number | 01684/0723 |
| Book / Page | 1684 / 0723 |
| Instrument Date | Mar 23, 2018 |
| Transaction Type | Transfer |
| Record Updated | Aug 12, 2022 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 8200 JONES BRANCH DR, 8200, MC LEAN, VA 22102-3107 |
| Name | Verified Name |
|---|---|
| Address | 16717 JULIANA AVE, EASTPOINTE, MI 48021-3009 |
| Document Type | Sheriff's Deed |
|---|---|
| Jurisdiction | HILLSDALE MI |
| Recording Date | Jul 25, 2017 |
| Property Address | 406 N MAIN ST, READING, MI 49274-9613 |
| Document Number | 01662/0373 |
| Book / Page | 1662 / 0373 |
| Instrument Date | Jul 14, 2017 |
| Transaction Type | Foreclosure |
| Record Updated | Aug 12, 2022 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2445 84TH ST SW, BYRON CENTER, MI 49315-5102 |
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 | $38,900 | $77,802 Land $3,682 Building $74,120 | |
| 2021 | $1,198.00 |
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.
FEMA maps place 406 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 406 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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