407 Chestnut St, Reading, MI 49274 Property Records

Hillsdale County property record for 407 Chestnut St, Reading, MI 49274

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,500 sqft
Lot Size	0.218 acres (9,496 sqft)
Owner	Individual Name on Record
Last Sale	$67,900 (Mar 2019)
Tax Bill	$854 (2025)
Deeds & Mortgages	Mar 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`20-045-001-047`

Property Details

APN / Parcel Number

Primary APN	`20-045-001-047`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,500 sqft Living Area
Gross Area	1,875 sqft
1st Floor Area	1,875 sqft
Basement Area	1,500 sqft
Unfinished Basement	1,500 sqft

Exterior

Exterior Material	Wood Siding
Lot Area	9,496 sqft (0.218 acres)
Lot Dimensions	132 ft deep x 72 ft wide

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	407 CHESTNUT ST
City	READING
State	MI
Zip	49274-9110
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1LDRES
Legal Description	N 6 FT OF LOT 91 & ALL LOT 92 FULLER & PROUTY ADD SEC 26 T7S R4W CITY OF READING
Legal Range	04W
Legal Township	07S
Legal Section	26
Legal Subdivision	FULLER & PROUTY ADD
Legal Lot Number	91,92
Jurisdiction	HILLSDALE MI
Township / Civil Division	READING
Census Block Group	5
Census Block	5036
Census Tract	50400

Owner

Source: Hillsdale County records, as of May 4, 2026

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
Mailing Address	407 CHESTNUT ST, READING, MI 49274-9110
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 19, 2019 · Amount on Record
Deed Sale	Mar 19, 2019 · Amount on Record
Prior Sale	Oct 25, 2002 · Amount on Record
Deed Book / Page	1717 / 246
Prior Transfer Date	Sep 15, 2000
Record Updated	Jun 8, 2026

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HILLSDALE MI
Recording Date	Mar 19, 2019
Property Address	407 CHESTNUT ST, READING, MI 49274-9110
Document Number	01717/0246
Book / Page	1717 / 0246
Map Reference	LB AD PG 503
Instrument Date	Mar 18, 2019
Transaction Type	Transfer
Record Updated	Jul 22, 2022
Title Company	PUBLIC TITLE COMPANY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$584.80
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	407 CHESTNUT ST, 407, READING, MI 49274-9110

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5702 BEECHER RD APT 2, 2, OSSEO, MI 49266-9603

Mortgage

Document Number	0001717247
Date	Mar 19, 2019
Instrument	1717/247

Lender

Name	FLAGSTAR BANK FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2049

Tax Assessment & Valuation

Source: Hillsdale County assessment roll, as of August 4, 2025

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
2025	$854.00 (-29.65%) Homeowner's exemption	$61,200 (+36.61%)	$122,378 (+36.43%) Land $8,693 Building $113,685
2023		$44,800	$89,698 Land $7,690 Building $82,008
2021	$1,214.00

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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