Hillsdale County property record for 4190 Beach St, Reading, MI 49274
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 768 sqft |
| Owner | Individual Name on Record |
| Last Sale | $135,000 (Aug 2008) |
| Tax Bill | $1,821 (2021) |
| Deeds & Mortgages | Jun 2020 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 10-045-001-031 |
| Primary APN | 10-045-001-031 |
|---|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 768 sqft Living Area |
| Basement Area | 768 sqft |
| Exterior Material | Wood Siding |
|---|---|
| Garage Area | 624 sqft |
| Parking Spaces | 2 Parking Spaces |
| Heating System | Forced Air |
|---|
| Street Address | 4190 BEACH ST |
|---|---|
| City | READING |
| State | MI |
| Zip | 49274-9749 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 43 & S1/2 LOT 44 ALSO S1/2 OF ABAND BEACH DR LY ADJ TO SD LOTS HY-DA-WA BEACH SEC 17 T7S R4W |
| Legal Lot Number | 43,44 |
| 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 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 | 4190 BEACH ST, READING, MI 49274-9749 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 19, 2008 · Amount on Record |
| Deed Sale | Aug 19, 2008 · Amount on Record |
| Deed Document Number | 0013620508 |
| Deed Book / Page | 1362 / 0508 |
| Record Updated | Jun 7, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HILLSDALE MI |
| Property Address | 4190 BEACH ST, READING, MI 49274-9749 |
| Transaction Type | Mortgage |
| Record Updated | Aug 12, 2022 |
| Name | Verified Name |
|---|
| Document Number | 001764/701 |
|---|---|
| Date | Jun 15, 2020 |
| Book Page | 1764/701 |
| Name | MIDWEST COMMUNITY FCU I |
|---|---|
| Type | Credit Union |
| Address | DEFIANCE, OH 43512 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 118 Months |
| Due | Apr 28, 2030 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
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 | $101,400 | $202,706 Land $55,930 Building $146,776 | |
| 2021 | $1,821.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 43 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
May also be available: Lakeland Internet, Mercury Fiber.
4G LTE (outdoors only), no 5G reported
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