503 Michigan St, Reading, MI 49274 Property Records

Hillsdale County property record for 503 Michigan St, Reading, MI 49274

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 934 sqft
Lot Size	0.25 acres (10,890 sqft)
Owner	Company Name on Record
Last Sale	$145,000 (Sep 2023)
Tax Bill	$542 (2021)
Deeds & Mortgages	Sep 2023 Sale & Mortgage Apr 2022 Sale & Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`20-075-001-013`

Property Details

APN / Parcel Number

Primary APN	`20-075-001-013`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	934 sqft Living Area
Gross Area	1,546 sqft
Basement Area	612 sqft

Exterior

Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	10,890 sqft (0.25 acres)

Utilities, Heating & Cooling

Heating System	Forced Air

Location & Zoning

Street Address	503 MICHIGAN ST
City	READING
State	MI
Zip	49274-9694
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 28 FITZSIMMONS ADD SEC 26 T7S R4W CITY OF READING
Legal Subdivision	FITZSIMMONS ADD
Legal Lot Number	28
Jurisdiction	HILLSDALE MI
Township / Civil Division	READING
Census Block Group	5
Census Block	5027
Census Tract	50400

Owner

Source: Hillsdale County records, as of October 4, 2023

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Company Name on Record
Mailing Address	503 MICHIGAN ST, READING, MI 49274-9694
Occupancy	Owner Occupied
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Sep 6, 2023	Warranty Deed, Transfer · USDA Mortgage UNION HOME MORTGAGE CORP
Apr 18, 2022	Warranty Deed, Transfer · Line of Credit KIAVI FUNDING INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 6, 2023 · Amount on Record
Deed Sale	Sep 6, 2023 · Amount on Record
Prior Sale	Apr 18, 2022 · Amount on Record
Deed Document Number	0001857472
Deed Book / Page	1857 / 472
Record Updated	Jun 7, 2026

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HILLSDALE MI
Recording Date	Sep 6, 2023
Property Address	503 MICHIGAN ST, READING, MI 49274-9694
Document Number	001857/472
Book / Page	1857 / 472
Map Reference	LB 67 PG 123
Instrument Date	Sep 1, 2023
Transaction Type	Transfer
Record Updated	Oct 5, 2023
Title Company	NOT AVAILABLE, MIDSTATE TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,087.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2222 W GRAND RIVER RD, OWOSSO, MI 48867-8703

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	503 MICHIGAN ST, READING, MI 49274-9694
Investor	Possibly a Property Investor

Mortgage

Document Number	0018570474
Date	Sep 6, 2023
Instrument	1857-0474

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	USDA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2053

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HILLSDALE MI
Recording Date	Apr 18, 2022
Property Address	503 MICHIGAN ST, READING, MI 49274-9694
Document Number	001824/402
Book / Page	1824 / 402
Map Reference	LB 67 PG 123
Instrument Date	Apr 8, 2022
Transaction Type	Transfer
Record Updated	Aug 7, 2023
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TTL CO LLC

Transaction

Amount	Amount Recorded
Tax	$450.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3811 CARD RD, READING, MI 49274-9866

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2222 W GRAND RIVER AVE # A, A, OKEMOS, MI 48864-1604

Mortgage

Document Number	0018240405
Date	Apr 18, 2022
Instrument	1824-0405

Lender

Name	KIAVI FUNDING INC
Type	Mortgage Company

Agreement

Type	Line of Credit
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Hillsdale County assessment roll, as of March 1, 2023

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
2023		$21,900	$43,723 Land $8,170 Building $35,553
2021	$542.00

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

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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