5309 Lake Rd, Reading, MI 49274 Property Records

Hillsdale County property record for 5309 Lake Rd, Reading, MI 49274

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,206 sqft
Lot Size	0.272 acres (11,866 sqft)
Owner	2 Company Names on Record
Last Sale	$220,000 (Sep 2020)
Tax Bill	$967 (2025)
Deeds & Mortgages	Jun 2022 Transfer Sep 2020 Sale & Mortgage
Flood Zone	Zone A (high risk)
APN	`10-125-001-002`

Property Details

APN / Parcel Number

Primary APN	`10-125-001-002`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,206 sqft Living Area
1st Floor Area	1,206 sqft

Exterior

Effective Year Built	Effective 2008
Exterior Material	Wood Siding
Lot Area	11,866 sqft (0.272 acres)
Lot Width	120 ft Width
Garage Area	504 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	5309 LAKE RD
City	READING
State	MI
Zip	49274-9542
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1LOWDR
Legal Description	LOT 2 & 3 LE-O-AM-SHORES SEC 20 T7S R4W
Legal Range	04W
Legal Township	07S
Legal Section	20
Legal Subdivision	LE-O-AM SHORES
Legal Lot Number	2,3
Jurisdiction	HILLSDALE MI
Township / Civil Division	READING
Census Block Group	3
Census Block	3020
Census Tract	50400

Owner

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	2 Company Names on Record
Mailing Address	8345 CHERRY BLOSSOM LN, HOLLAND, OH 43528-8318
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Living Trust

Deeds, Mortgages & Sale History

Date	Document
Jun 17, 2022	Intrafamily Transfer, Transfer
Sep 10, 2020	Warranty Deed, Transfer · Conventional Mortgage PNC BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 10, 2020 · Amount on Record
Deed Sale	Sep 10, 2020 · Amount on Record
Prior Sale	Feb 15, 2013 · Amount on Record
Deed Book / Page	1772 / 798
Last Transfer Date	Jun 9, 2022
Transfer Doc	01828/1288
Record Updated	Jun 8, 2026

June 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HILLSDALE MI
Recording Date	Jun 17, 2022
Property Address	5309 LAKE RD, READING, MI 49274-9542
Document Number	01828/1288
Book / Page	1828 / 1288
Map Reference	LB 5 PG 27
Instrument Date	Jun 9, 2022
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8345 CHERRY BLOSSOM LN, 8345, HOLLAND, OH 43528-8318

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Living Trust
Address	8345 CHERRY BLOSSOM LN, HOLLAND, OH 43528-8318

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HILLSDALE MI
Recording Date	Sep 10, 2020
Property Address	5309 LAKE RD, READING, MI 49274-9542
Document Number	001772/798
Book / Page	1772 / 798
Map Reference	LB 5 PG 27
Instrument Date	Aug 29, 2020
Transaction Type	Transfer
Record Updated	May 3, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,792.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5309 LAKE RD, 5309, READING, MI 49274-9542

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	8345 CHERRY BLOSSOM LN, HOLLAND, OH 43528-8318

Mortgage

Document Number	0001772800
Date	Sep 10, 2020
Instrument	1772/800

Lender

Name	PNC BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2050

Tax Assessment & Valuation

Source: Hillsdale County assessment roll, as of August 4, 2025

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
2025	$967.00 (-51.91%) Homeowner's exemption	$103,000 (+23.95%)	$206,040 (+24.01%) Land $60,000 Building $146,040
2023		$83,100	$166,147 Land $60,000 Building $106,147
2021	$2,011.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are 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 96% of the US · lower than 91% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 57 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

Cell Coverage

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

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