4273 Beach St, Reading, MI 49274 Property Records

Hillsdale County property record for 4273 Beach St, Reading, MI 49274

Property Summary

Property Type	Single Family Home
Details	1 ba · 490 sqft
Owner	Individual Name on Record
Last Sale	$120,000 (Dec 2015)
Tax Bill	$1,995 (2021)
Deeds & Mortgages	Oct 2023 Line of Credit Aug 2022 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`10-045-001-021`

Property Details

APN / Parcel Number

Primary APN	`10-045-001-021`

Interior

Full Baths	1 Bath
Stories	2 Stories
Building Area	490 sqft Living Area
Gross Area	980 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Exterior Material	Wood Siding

Utilities, Heating & Cooling

Heating System	Forced Air

Location & Zoning

Street Address	4273 BEACH ST
City	READING
State	MI
Zip	49274-9749
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 30 HY-DA-WA BEACH SEC 17 T7S R4W
Legal Subdivision	HY DA WA BEACH
Legal Lot Number	30
Jurisdiction	HILLSDALE MI
Township / Civil Division	READING
Census Block Group	3
Census Block	3015
Census Tract	50400

Owner

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
Mailing Address	2401 COUNTY ROAD 4 1, SWANTON, OH 43558-8875
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 16, 2023	Deed of Trust, Mortgage · Line of Credit SUN FCU
Aug 26, 2022	Deed of Trust, Mortgage · Line of Credit SUN FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 4, 2015 · Amount on Record
Deed Sale	Dec 4, 2015 · Amount on Record
Deed Document Number	0016080684
Deed Book / Page	1608 / 0684
Record Updated	Jun 7, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HILLSDALE MI
Property Address	4273 BEACH ST, READING, MI 49274-9749
Transaction Type	Mortgage
Record Updated	Nov 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001859/873
Date	Oct 16, 2023
Book Page	1859/873

Lender

Name	SUN FCU
Type	Credit Union
Address	MAUMEE, OH 43537

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Oct 15, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HILLSDALE MI
Property Address	4273 BEACH ST, READING, MI 49274-9749
Transaction Type	Mortgage
Record Updated	Sep 6, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001833/947
Date	Aug 26, 2022
Book Page	1833/947

Lender

Name	SUN FCU
Type	Credit Union
Address	MAUMEE, OH 43537

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Aug 25, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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		$64,300	$128,563 Land $43,070 Building $85,493
2021	$1,995.00

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 · 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

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.

Internet Providers

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.

Cell Coverage

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

Nearby Properties on Beach St

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