4060 Beach St, Reading, MI 49274 Property Records

Hillsdale County property record for 4060 Beach St, Reading, MI 49274

Property Summary

Property Type	Single Family Home
Details	2 ba · 784 sqft
Owner	Individual Name on File
Last Sale	$46,500 (Mar 2017)
Tax Bill	$1,309 (2021)
Deeds & Mortgages	Mar 2017 Line of Credit Mar 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`10-045-001-040`

Property Details

APN / Parcel Number

Primary APN	`10-045-001-040`

Interior

Full Baths	2 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	784 sqft Living Area
Basement Area	408 sqft

Exterior

Exterior Material	Wood Siding

Utilities, Heating & Cooling

Heating System	Forced Air

Location & Zoning

Street Address	4060 BEACH ST
City	READING
State	MI
Zip	49274-9749
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S 40 FT OF LOT 58 HY-DA-WA BEACH SEC 17 T7S R4W
Legal Subdivision	HY DA WA BEACH
Legal Lot Number	58
Jurisdiction	HILLSDALE MI
Township / Civil Division	READING
Census Block Group	3
Census Block	3015
Census Tract	50400

Owner

4060 Beach St is owned by an individual who bought it in March 2017.

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

Owner of Record	Individual Name on File
Mailing Address	145 SPRAGUE DR, HEBRON, OH 43025-9627
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.

Deeds, Mortgages & Sale History

Date	Document
Mar 9, 2017	Deed of Trust, Mortgage · Line of Credit CENTURY BANK & TRUST
Mar 6, 2017	Warranty Deed, Transfer · Conventional Mortgage CENTURY BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 6, 2017 · Amount on File
Deed Sale	Mar 6, 2017 · Amount on File
Deed Document Number	0016490491
Deed Book / Page	1649 / 0491
Record Updated	Jun 7, 2026

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HILLSDALE MI
Property Address	4060 BEACH ST, READING, MI 49274-9749
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1649/0765
Date	Mar 9, 2017
Book Page	1649/0765

Lender

Name	CENTURY BANK & TRUST
Type	Bank
Address	READING, MI 49274

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	121 Months
Due	Apr 1, 2027

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HILLSDALE MI
Recording Date	Mar 6, 2017
Property Address	4060 BEACH ST, READING, MI 49274-9749
Document Number	1649/0491
Book / Page	1649 / 0491
Map Reference	LB2 PG19
Instrument Date	Mar 2, 2017
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	PUBLIC TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$399.90
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1440 ELEANOR AVE, 1440, TOLEDO, OH 43612-2204

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1361 HARRAN AVE, COLUMBUS, OH 43235-6711

Mortgage

Document Number	1649/0492
Date	Mar 6, 2017
Book Page	1649/0492

Lender

Name	CENTURY BANK
Type	Bank
Address	READING, MI 49274

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	121 Months
Due	Apr 1, 2027

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2023		$17,700	$34,000 Land $34,000
2021	$1,309.00

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.

Flood

FEMA maps place 4060 Beach St in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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.

Wildfire

Wildfire risk around 4060 Beach 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 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.

Internet Providers

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

Cell Coverage

4G LTE (outdoors only), no 5G reported

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