406 S Main St, Reading, MI 49274 Property Records

Hillsdale County property record for 406 S Main St, Reading, MI 49274

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,234 sqft
Lot Size	0.405 acres (17,642 sqft)
Owner	Individual Name on Record
Last Sale	$69,900 (Dec 2018)
Tax Bill	$1,682 (2021)
Deeds & Mortgages	Dec 2018 Sale & Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`20-045-001-013`

Property Details

APN / Parcel Number

Primary APN	`20-045-001-013`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,234 sqft Living Area
Gross Area	2,287 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Architectural Style	Ranch
Exterior Material	Brick
Lot Area	17,642 sqft (0.405 acres)
Garage Area	210 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Forced Air

Location & Zoning

Street Address	406 S MAIN ST
City	READING
State	MI
Zip	49274-9800
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S1/2 LOT 51 ALSO COM AT SW COR LOT 51 TH N 33 FT TH W 82.5 FT TH S 82.5 FT TH E 82.5 FT TH N 49.5 FT TO POB ALSO N 3/4 LOT 52
Legal Subdivision	FULLER & PROUTY ADD
Legal Lot Number	51,52
Jurisdiction	HILLSDALE MI
Township / Civil Division	READING
Census Block Group	4
Census Block	4017
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	420 MAUMEE ST, JONESVILLE, MI 49250-1236
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 7, 2018 · Amount on Record
Deed Sale	Dec 7, 2018 · Amount on Record
Prior Sale	Sep 30, 2014 · Amount on Record
Deed Document Number	0017090679
Deed Book / Page	1709 / 0679
Record Updated	Jun 7, 2026

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HILLSDALE MI
Recording Date	Dec 7, 2018
Property Address	406 S MAIN ST, READING, MI 49274-9800
Document Number	01709/0679
Book / Page	1709 / 0679
Map Reference	LB AA PG25
Instrument Date	Nov 29, 2018
Transaction Type	Transfer
Record Updated	Aug 12, 2022
Title Company	MIDSTATE TITLE AGENCY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$602.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	406 S MAIN ST, 406, READING, MI 49274-9800

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	420 MAUMEE ST, JONESVILLE, MI 49250-1236

Mortgage

Document Number	0001709680
Date	Dec 7, 2018
Instrument	1709/680

Lender

Name	HILLSDALE COUNTY NATIONAL BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

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		$47,200	$94,418 Land $9,205 Building $85,213
2021	$1,682.00

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 · 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

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.

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 274 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Mercury Fiber Fixed Wireless	150 / 20
AT&T Fixed Wireless	100 / 20

May also be available: DMCI Broadband, Lakeland Internet.

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