5404 Ridge Dr, Reading, MI 49274 Property Records

Hillsdale County property record for 5404 Ridge Dr, Reading, MI 49274

Property Summary

Property Type	Residential Vacant Land
Lot Size	0.103 acres (4,491 sqft)
Owner	2 Individual Names on Record
Last Sale	$130,000 (Jun 2019)
Tax Bill	$34 (2025)
Deeds & Mortgages	Jul 2026 Transfer Jul 2026 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`10-160-001-020`

Property Details

APN / Parcel Number

Primary APN	`10-160-001-020`

Exterior

Lot Area	4,491 sqft (0.103 acres)
Lot Width	30 ft Width

Location & Zoning

Street Address	5404 RIDGE DR
City	READING
State	MI
Zip	49274-9732
Property Category	Residential
Property Type	Vacant Land > Residential
Local Zoning Code	ZONING
Legal Description	W1/2 LOT 33 LE-O-AM-SHORES NO.2 SEC 20 T7S R4W
Legal Range	04W
Legal Township	07S
Legal Section	20
Legal Subdivision	LE-O-AM SHORES
Legal Lot Number	33
Jurisdiction	HILLSDALE MI
Township / Civil Division	READING
Census Block Group	3
Census Block	3020
Census Tract	50400

Owner

Source: Hillsdale County records, as of August 18, 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	5398 RIDGE DR, READING, MI 49274-9732
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Date	Document
Jul 30, 2026	Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT
Jul 30, 2026	Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT
Jun 24, 2019	Warranty Deed, Transfer · Conventional Mortgage FIFTH THIRD BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 24, 2019 · Amount on Record
Deed Sale	Jun 24, 2019 · Amount on Record
Prior Sale	Aug 22, 2001
Deed Book / Page	1726 / 613
Last Transfer Date	Jun 25, 2026
Transfer Doc	0000624872
Record Updated	Sep 20, 2026

July 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HILLSDALE MI
Recording Date	Jul 30, 2026
Property Address	5404 RIDGE DR, READING, MI 49274-9732
Document Number	0000624872
Book / Page	1927 / 906
Instrument Date	Jun 25, 2026
Instrument	2026624872
Transaction Type	Transfer
Record Updated	Aug 31, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	5398 RIDGE DR, READING, MI 49274-9732

July 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HILLSDALE MI
Recording Date	Jul 30, 2026
Property Address	5404 RIDGE DR, READING, MI 49274-9732
Document Number	0000624873
Book / Page	1927 / 908
Instrument Date	Jun 25, 2026
Instrument	2026624873
Transaction Type	Transfer
Record Updated	Aug 31, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	5398 RIDGE DR, READING, MI 49274-9732

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HILLSDALE MI
Recording Date	Jun 24, 2019
Property Address	5404 RIDGE DR, READING, MI 49274-9732
Document Number	01726/0613
Book / Page	1726 / 0613
Map Reference	LB 7 PG 19
Instrument Date	Jun 21, 2019
Transaction Type	Transfer
Record Updated	Aug 12, 2022
Title Company	MIDSTATE TITLE AGENCY/STHRN, MIDSTATE TTL AGCY OF SOUTHER

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,118.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7291 CRONK RD, 7291, JONESVILLE, MI 49250-9602

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	6474 WINTERGREEN DR, FENNVILLE, MI 49408-8607

Mortgage

Document Number	0001726614
Date	Jun 24, 2019
Instrument	1726/614

Lender

Name	FIFTH THIRD BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2049

Tax Assessment & Valuation

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

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
2026		$1,500 (-)	$3,010 (-) Land $3,010
2025	$34.00 (+21.43%)
2023		$1,500	$3,010 Land $3,010
2021	$28.00

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 · 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 93% of the US · lower than 83% 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 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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