4195 Carol Dr, Reading, MI 49274 Property Records

Hillsdale County property record for 4195 Carol Dr, Reading, MI 49274

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,200 sqft
Lot Size	0.177 acres (7,730 sqft)
Owner	Individual Name on Record
Last Sale	$132,500 (Jan 2013)
Tax Bill	$825 (2025)
Deeds & Mortgages	Feb 2026 Mortgage Nov 2021 Transfer
Flood Zone	Zone A (high risk)
APN	`10-105-001-026`

Property Details

APN / Parcel Number

Primary APN	`10-105-001-026`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,200 sqft Living Area
Gross Area	1,800 sqft
1st Floor Area	780 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Exterior Material	Wood Siding
Lot Area	7,730 sqft (0.177 acres)
Lot Width	62 ft Width
Garage Area	432 sqft
Parking Spaces	2 Parking Spaces
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	4195 CAROL DR
City	READING
State	MI
Zip	49274-9748
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ZONING
Legal Description	LOT 17 GORDIE & RICKY PLAT SEC 17 T7S R4W
Legal Range	04W
Legal Township	07S
Legal Section	17
Legal Subdivision	GORDIE & RICKY PLAT
Legal Lot Number	17
Jurisdiction	HILLSDALE MI
Township / Civil Division	READING
Census Block Group	3
Census Block	3009
Census Tract	50400

Owner

Source: Hillsdale County records, as of July 27, 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	4195 CAROL DR, READING, MI 49274-9748
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 13, 2026	Deed of Trust, Mortgage · FHA Mortgage IMPERIUM LENDING LLC
Nov 8, 2021	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 7, 2013 · Amount on Record
Deed Sale	Jan 7, 2013 · Amount on Record
Prior Sale	Nov 20, 1995 · Amount on Record
Deed Book / Page	1514 / 895
Last Transfer Date	Nov 8, 2021
Transfer Doc	01811/1027
Record Updated	Sep 20, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HILLSDALE MI
Property Address	4195 CAROL DR, READING, MI 49274-9748
Transaction Type	Mortgage
Record Updated	Mar 6, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4195 CAROL DR, READING, MI 49274-9748

Mortgage

Document Number	0001915/49
Date	Feb 13, 2026
Book Page	1915/49

Lender

Name	IMPERIUM LENDING LLC
Type	Mortgage Company
Address	TROY, MI 48084

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2056

November 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HILLSDALE MI
Recording Date	Nov 8, 2021
Property Address	4195 CAROL DR, READING, MI 49274
Document Number	01811/1027
Book / Page	1811 / 1027
Map Reference	LB 5 PG 026
Instrument Date	Nov 8, 2021
Transaction Type	Transfer
Record Updated	Aug 12, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14124 COUNTY ROAD AC, WAUSEON, OH 43567-9162

Tax Assessment & Valuation

Source: Hillsdale County assessment roll, as of July 27, 2026

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
2026		$157,700 (+376.44%)	$315,407 (+376.01%) Land $53,440 Building $261,967
2025	$825.00 (-66.19%)	$33,100 (+0.61%)	$66,260 (+0.82%) Land $53,440 Building $12,820
2023		$32,900	$65,718 Land $53,440 Building $12,278
2021	$2,440.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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 A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 87% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 52 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Starlink Satellite	280 / 30

May also be available: DMCI Broadband, Mercury Fiber.

Cell Coverage

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

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