5458 Ridge Dr, Reading, MI 49274 Property Records

Hillsdale County property record for 5458 Ridge Dr, Reading, MI 49274

Property Summary

Property Type	Single Family Home
Details	1 ba · 768 sqft
Owner	Individual Name on Record
Last Sale	$139,000 (Apr 2023)
Tax Bill	$1,382 (2021)
Deeds & Mortgages	Apr 2023 Sale & Mortgage Aug 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`10-190-001-002`

Property Details

APN / Parcel Number

Primary APN	`10-190-001-002`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	768 sqft Living Area

Exterior

Exterior Material	Wood Siding

Utilities, Heating & Cooling

Heating System	Forced Air

Location & Zoning

Street Address	5458 RIDGE DR
City	READING
State	MI
Zip	49274-9732
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 42 LE-O-AM-SHORES NO.3 SEC 20 T7S R4W
Legal Subdivision	LE-O-AM SHORES
Legal Lot Number	42
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 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	2452 10TH ST, MONROE, MI 48162-4333
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 7, 2023	Warranty Deed, Transfer · Conventional Mortgage FIFTH THIRD BANK NA
Aug 27, 2018	Warranty Deed, Transfer · Conventional Mortgage THE HUNTINGTON NATIONAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 7, 2023 · Amount on Record
Deed Sale	Apr 7, 2023 · Amount on Record
Prior Sale	Aug 27, 2018 · Amount on Record
Deed Document Number	0001847685
Deed Book / Page	1847 / 685
Record Updated	Jun 7, 2026

April 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HILLSDALE MI
Recording Date	Apr 7, 2023
Property Address	5458 RIDGE DR, READING, MI 49274-9732
Document Number	001847/685
Book / Page	1847 / 685
Map Reference	LB 1699 PG 882
Instrument Date	Apr 7, 2023
Transaction Type	Transfer
Record Updated	May 15, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,042.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2452 10TH ST, MONROE, MI 48162-4333

Mortgage

Document Number	0018470686
Date	Apr 7, 2023
Instrument	1847-0686

Lender

Name	FIFTH THIRD BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2053

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HILLSDALE MI
Recording Date	Aug 27, 2018
Property Address	5458 RIDGE DR, READING, MI 49274-9732
Document Number	01700/0503
Book / Page	1700 / 0503
Map Reference	LI8 PG14
Instrument Date	Aug 24, 2018
Transaction Type	Transfer
Record Updated	May 3, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$653.60
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2185 CASCADE RIDGE DR, 2185, JACKSON, MI 49203-3784

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1001 W GOOSE LAKE RD, JONESVILLE, MI 49250-9528

Mortgage

Document Number	0001700505
Date	Aug 27, 2018
Instrument	1700/505

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Sep 1, 2033

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		$37,700	$74,055 Land $7,500 Building $66,555
2021	$1,382.00

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 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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