Hillsdale County property record for 422 N Main St, Reading, MI 49274
| Property Type | Mobile Home |
|---|---|
| Details | 1 ba · 720 sqft · built 1969 |
| Lot Size | 0.378 acres (16,466 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $17,000 (Jul 2022) |
| Tax Bill | $244 (2025) |
| Deeds & Mortgages | Jul 2022 Second Mortgage Jul 2022 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 20-110-001-039-22-7-4 |
| Primary APN | 20-110-001-039-22-7-4 |
|---|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 720 sqft Living Area |
| 1st Floor Area | 720 sqft |
| Year Built | Built 1969 |
|---|---|
| Effective Year Built | Effective 1969 |
| Architectural Style | Ranch |
| Exterior Material | Wood Siding |
| Lot Area | 16,466 sqft (0.378 acres) |
| Lot Dimensions | 122 ft deep x 135 ft wide |
| Garage Area | 680 sqft |
| Parking Spaces | 2 Parking Spaces |
| Heating System | Floor/Wall Furnace |
|---|
| Street Address | 422 N MAIN ST |
|---|---|
| City | READING |
| State | MI |
| Zip | 49274-9613 |
| Property Category | Residential |
| Property Type | Residential > Prefabricated > Mobile Home |
| Local Zoning Code | B1HWYBU |
| Legal Description | COM AT SE COR N1/2 N1/2 SE1/4 TH N 135 FT TH W 122 FT TH S 135 FT TH E 122 FT TO POB UNPLATTED SEC 22 T7S R4W .38 A M/L CITY |
| Legal Range | 04W |
| Legal Township | 07S |
| Legal Section | 22 |
| Legal Subdivision | False |
| Jurisdiction | HILLSDALE MI |
| Township / Civil Division | READING |
| Census Block Group | 4 |
| Census Block | 4004 |
| Census Tract | 50400 |
Source: Hillsdale County records, as of December 23, 2025
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 | 424 N MAIN ST, READING, MI 49274-9613 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 19, 2022 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage STURGIS BANK & TRUST CO |
| Jul 22, 2022 | Warranty Deed, Transfer · Commercial Mortgage STURGIS BANK & TRUST CO |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 22, 2022 · Amount on Record |
| Deed Sale | Jul 22, 2022 · Amount on Record |
| Prior Sale | May 8, 1996 |
| Deed Document Number | 2022592412 |
| Deed Book / Page | 1831 / 505 |
| Prior Transfer Date | Apr 17, 2014 |
| Prior Transfer Doc | 1560/0414 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HILLSDALE MI |
| Property Address | 422 N MAIN ST, READING, MI 49274-9613 |
| Transaction Type | Mortgage |
| Record Updated | Aug 10, 2022 |
| Name | Verified Name |
|---|---|
| Address | 412 N MAIN ST, READING, MI 49274-9613 |
| Document Number | 001831/191 |
|---|---|
| Date | Jul 19, 2022 |
| Book Page | 1831/191 |
| Name | STURGIS BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | STURGIS, MI 49091 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HILLSDALE MI |
| Recording Date | Jul 22, 2022 |
| Property Address | 422 N MAIN ST, READING, MI 49274-9613 |
| Document Number | 001831/505 |
| Book / Page | 1831 / 505 |
| Instrument Date | Jul 11, 2022 |
| Transaction Type | Transfer |
| Record Updated | Aug 10, 2022 |
| Amount | Amount Recorded |
|---|---|
| Tax | $127.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 9500 MONTGOMERY RD, 9500, MONTGOMERY, MI 49255-9508 |
| Name | Verified Name |
|---|---|
| Address | 412 N MAIN ST, READING, MI 49274-9613 |
| Document Number | 0018310508 |
|---|---|
| Date | Jul 22, 2022 |
| Instrument | 1831-0508 |
| Name | STURGIS BANK & TRUST CO |
|---|---|
| Type | Bank |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
Source: Hillsdale County assessment roll, as of August 4, 2025
| Type | Name |
|---|---|
| State | Michigan |
| County | Hillsdale County |
| Municipality | Reading City |
| Unified School District | Reading Community Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $244.00 (-33.15%) Homeowner's exemption | $14,300 (+47.42%) | $28,533 (+47.12%) Land $9,307 Building $19,226 |
| 2023 | $9,700 | $19,394 Land $8,233 Building $11,161 | |
| 2021 | $365.00 |
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 |
|---|---|
| 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.
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.
Source: FCC Broadband Data Collection, based on 76 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 |
| DMCI Broadband Fiber | 1,000 / 1,000 |
| Mercury Fiber Fixed Wireless | 150 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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