549 Phillips Rd, Reading, MI 49274 Property Records

Branch County property record for 549 Phillips Rd, Reading, MI 49274 · Last verified August 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	2 Beds
Bathrooms	2 Baths
Architecture Style	Modular
Year Built	Built 1988
Square Footage	1,248 sqft Living Area
Lot Size	32,670 sqft (0.75 acres)
Tax Bill	$1,404.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`120-026-100-030-00`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Building Area	1,248 sqft Living Area
1st Floor	1,248 sqft 1st Floor

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Architectural Style	Modular Style
Lot Area	32,670 sqft (0.75 acres)

Location & Zoning

Street Address	549 PHILLIPS RD
City	READING
State	MI
Zip	49274-9509
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	PAR 12 RD N & S BY 10 RD E & W IN SW COR OF N 58 A OF W 1/2 OF NW 1/4 N OF HWY SEC 26 T7S R5W RESERVE LIFE EST TO BASIL S
Legal Range	05W
Legal Township	07S
Legal Section	26
Legal Subdivision	RESERVE LIFE EST
Jurisdiction	BRANCH MI
Minor Civil Division	ALGANSEE
Census Blockgroup	3
Census Block	3038
Census Tract	950800

Owner

Source: Branch County records · APN 120-026-100-030-00

Assessment roll updated July 7, 2026 · Last verified August 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 File
Mailing Address	9921 BANKERS RD, QUINCY, MI 49082-9610
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Date	Document
Apr 10, 2026	Deed of Trust, Mortgage · Conventional Mortgage SENTRY BANK AND TRUST
Oct 13, 2025	Intrafamily Transfer, Transfer
Jan 13, 2020	Deed of Trust, Mortgage · Adjustable Rate Mortgage (ARM) SOUTHERN MICHIGAN BANK & TRUST
Oct 19, 2020	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Mar 18, 2003
Deed Sale	Mar 18, 2003
Deed Book / Page	947 / 361
Last Transfer Date	Sep 02, 2020
Transfer Doc	202006907
Record Refreshed	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRANCH MI
Recording Date	Apr 10, 2026
Property Address	549 PHILLIPS RD, READING, MI 49274-9509
Document Number	0000002312
Instrument Date	Apr 06, 2026
Instrument	20262312
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	549 PHILLIPS RD, READING, MI 49274-9509

Mortgage

Document Number	0000002312,
Date	Apr 10, 2026
Instrument	20262312

Lender

Name	SENTRY BANK AND TRUST

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 01, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.38%
Initial Type	Adjustable Rate
Adjustable	Document includes a rider for adjustable-rate mortgage with a specific rate change date.
Max Rate	-1%

October 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BRANCH MI
Recording Date	Oct 13, 2025
Property Address	549 PHILLIPS RD, READING, MI 49274-9509
Document Number	0202506123
Instrument Date	Oct 08, 2025
Instrument	2025-06123
Transaction Type	Transfer
Record Updated	Oct 29, 2025

Transaction

Tax	$0.00
Amount Accuracy	Zero or No Consideration Stated
Additional	Interfamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1156 PAUL RD, MONTGOMERY, MI 49255-9660

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9921 BANKERS RD, QUINCY, MI 49082-9610

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRANCH MI
Property Address	549 PHILLIPS RD, READING, MI 49274-9509
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202000223
Date	Jan 13, 2020
Instrument	2020-00223

Lender

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

Agreement

Type	Adjustable Rate Mortgage (ARM)
Amount	Amount Recorded
Term	361 Months
Due	Feb 01, 2050

Interest

Rate Type	Adjustable Rate
Rate	4.62%
Adjustable	Document includes a rider for adjustable-rate mortgage with a specific rate change date.
Type Change Date	Feb 01, 2030
Change Frequency	Annually
Min Rate At Change	3.87%
Max Rate At Change	6.62%
Index	1-Year CMT
Margin	4
Max Rate	10.6%

October 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BRANCH MI
Recording Date	Oct 19, 2020
Property Address	549 PHILLIPS RD, READING, MI 49274-9509
Document Number	202006907
Instrument Date	Sep 02, 2020
Instrument	2020-06907
Transaction Type	Transfer
Record Updated	Jun 08, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Interfamily Transfer Multiple parcels conveyed, unknown impact to APN

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1156 PAUL RD, 1156, MONTGOMERY, MI 49255-9660

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	242 W 10TH ST, HOLLAND, MI 49423-3137

Tax Assessment & Valuation

Source: Branch County records · Assessment roll updated July 7, 2026 · Last verified August 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Branch County
County Subdivision	Algansee Township
Unified School District	Reading Community Schools (KG - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$41,461 (+6.01%)	$82,922 (+6.01%)
2025	$1,404.00 (+5.09%)	$39,109	$78,218
2024	$1,336.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Branch County (26023C), updated April 19, 2010 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

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