5476 Ridge Dr, Reading, MI 49274 Property Records

Hillsdale County property record for 5476 Ridge Dr, Reading, MI 49274

Property Summary

Property Type	Single Family Home
Details	1 ba · 936 sqft
Lot Size	0.246 acres (10,735 sqft)
Owner	Individual Name on File
Last Sale	$145,000 (May 2023)
Tax Bill	$630 (2025)
Deeds & Mortgages	May 2023 Sale & Mortgage Mar 2023 Second Mortgage
Flood Zone	Zone X (minimal risk)
APN	`10-190-001-005`

Property Details

APN / Parcel Number

Primary APN	`10-190-001-005`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	936 sqft Living Area
1st Floor Area	936 sqft
Basement Area	936 sqft
Unfinished Basement	936 sqft

Exterior

Exterior Material	Wood Siding
Lot Area	10,735 sqft (0.246 acres)
Lot Width	73 ft Width
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	5476 RIDGE DR
City	READING
State	MI
Zip	49274-9732
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ZONING
Legal Description	LOT 45 LE-O-AM-SHORES NO.3 SEC 20 T7S R4W
Legal Range	04W
Legal Township	07S
Legal Section	20
Legal Subdivision	LE-O-AM SHORES
Legal Lot Number	45
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 are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	5476 RIDGE DR, READING, MI 49274-9732
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 24, 2023	Warranty Deed, Transfer · Conventional Mortgage TEACHERS FCU
Mar 1, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SOUTHERN MICHIGAN BANK & TRUST

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 24, 2023 · Amount on File
Deed Sale	May 24, 2023 · Amount on File
Prior Sale	Aug 19, 2015 · Amount on File
Deed Document Number	2023599354
Deed Book / Page	1850 / 751
Last Transfer Date	Jul 8, 2025
Transfer Doc	001898/764
Record Updated	Sep 20, 2026

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HILLSDALE MI
Recording Date	May 24, 2023
Property Address	5476 RIDGE DR, READING, MI 49274-9732
Document Number	001850/751
Book / Page	1850 / 751
Map Reference	LB 8 PG 14
Instrument Date	May 24, 2023
Transaction Type	Transfer
Record Updated	Jul 14, 2023
Title Company	PUBLIC TITLE COMPANY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,687.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3600 E BACON RD, HILLSDALE, MI 49242-9760

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20450 ALLEGHENY ST, CASSOPOLIS, MI 49031-9490

Mortgage

Document Number	0018500752
Date	May 24, 2023
Instrument	1850-0752

Lender

Name	TEACHERS FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2053

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HILLSDALE MI
Property Address	5476 RIDGE DR, READING, MI 49274-9732
Transaction Type	Mortgage
Record Updated	Mar 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5476 RIDGE DR, READING, MI 49274-9732

Mortgage

Document Number	01844/1178
Date	Mar 1, 2023
Book Page	1844/1178

Lender

Name	SOUTHERN MICHIGAN BANK & TRUST
Type	Bank
Address	COLDWATER, MI 49036

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	12 Months
Due	Mar 1, 2024

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	$630.00 (-39.94%)	$71,400 (+34.97%)	$142,762 (+34.99%) Land $7,367 Building $135,395
2023		$52,900 (+9.98%)	$105,758 (+1%) Land $7,367 Building $98,391
2022		$48,100	$96,147 Land $7,367 Building $88,780
2021	$1,049.00

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 95% of the US · lower than 89% 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 58 locations within half a mile, as of December 31, 2025

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

May also be available: Mercury Fiber.

Cell Coverage

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

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