5160 Reading Rd E, Osseo, MI 49266 Property Records

Hillsdale County property record for 5160 Reading Rd E, Osseo, MI 49266

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 982 sqft
Lot Size	6.67 acres (290,545 sqft)
Owner	2 Individual Names on Record
Tax Bill	$1,587 (2025)
Deeds & Mortgages	Aug 2026 Sale Nov 2020 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`12-021-100-006-21-7-2`

Property Details

APN / Parcel Number

Primary APN	`12-021-100-006-21-7-2`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	2 Half Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	982 sqft Living Area
Gross Area	1,634 sqft
1st Floor Area	1,634 sqft
Basement Area	576 sqft
Unfinished Basement	576 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Exterior Material	Aluminum/Vinyl
Lot Area	290,545 sqft (6.67 acres)
Garage Area	1,064 sqft
Parking Spaces	4 Parking Spaces

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C

Location & Zoning

Street Address	5160 READING RD E
City	OSSEO
State	MI
Zip	49266-9009
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	E 220 FT OF SW1/4 NW1/4 SEC 21 T7S R2W 6.67 A
Legal Range	02W
Legal Township	07S
Legal Section	21
Legal Subdivision	False
Jurisdiction	HILLSDALE MI
Township / Civil Division	JEFFERSON
Census Block Group	2
Census Block	2045
Census Tract	51000

Owner

Source: Hillsdale County records, as of September 14, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	5160 READING RD E, OSSEO, MI 49266-9009
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Date	Document
Aug 26, 2026	Warranty Deed, Transfer NONE LISTED ON DOCUMENT
Nov 2, 2020	Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK
May 22, 2020	Deed of Trust, Mortgage · Conventional Mortgage THE HUNTINGTON NATIONAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Aug 25, 2026
Transfer Doc	0000625469
Record Updated	Oct 29, 2026

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HILLSDALE MI
Recording Date	Aug 26, 2026
Property Address	5160 READING RD E, OSSEO, MI 49266-9009
Document Number	0000625469
Book / Page	1929 / 790
Instrument Date	Aug 25, 2026
Instrument	2026625469
Transaction Type	Transfer
Record Updated	Sep 14, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	5160 READING RD E, OSSEO, MI 49266-9009

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HILLSDALE MI
Property Address	5160 READING RD E, OSSEO, MI 49266-9009
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1777/1276
Date	Nov 2, 2020
Book Page	1777/1276

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43235

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Oct 3, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HILLSDALE MI
Property Address	5160 READING RD E, OSSEO, MI 49266-9009
Transaction Type	Mortgage
Record Updated	Jun 3, 2020

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1762/1275
Date	May 22, 2020
Book Page	1762/1275

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43235

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Jun 1, 2040

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Michigan
County	Hillsdale County
County Subdivision	Jefferson Township
Unified School District	Hillsdale Community Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$111,200 (-)	$220,729 (+0.04%) Land $42,250 Building $178,479
2025	$1,587.00 (+14.09%) Homeowner's exemption	$111,200 (+14.05%)	$220,642 (+14.09%) Land $43,000 Building $177,642
2023		$97,500	$193,392 Land $40,800 Building $152,592
2021	$1,391.00

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

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	Low lower than 80% of the US · above 51% of Michigan
Wildfire Likelihood	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 7 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Mercury Fiber Fixed Wireless	150 / 20
DMCI Broadband Fixed Wireless	40 / 10
Verizon Fixed Wireless	25 / 6

Cell Coverage

5G (outdoors only) and 4G LTE

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