5607 Ridge Dr, Reading, MI 49274 Property Records

Hillsdale County property record for 5607 Ridge Dr, Reading, MI 49274

Property Summary

Property Type	Single Family Home
Details	3 ba · 1,512 sqft · built 1997
Lot Size	2.65 acres (115,826 sqft)
Owner	Individual Name on Record
Last Sale	$350,000 (Nov 2020)
Tax Bill	$4,847 (2025)
Deeds & Mortgages	Nov 2020 Sale & Mortgage Aug 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`10-215-001-031`

Property Details

APN / Parcel Number

Primary APN	`10-215-001-031`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,512 sqft Living Area
Gross Area	2,352 sqft
1st Floor Area	2,352 sqft
Basement Area	1,512 sqft
Unfinished Basement	1,512 sqft

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Exterior Material	Wood Siding
Lot Area	115,826 sqft (2.65 acres)
Lot Dimensions	661 ft deep x 175 ft wide
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	5607 RIDGE DR
City	READING
State	MI
Zip	49274-9820
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 18 & 19 ALSO 7 FT ALG SWLY SIDE LOT 2 LUDERMANS LORI-ETTE SEC 20 T7S R4W SPLIT/COMB ON 09/27/2017 FROM 10 190 001 040, 10
Legal Range	04W
Legal Township	07S
Legal Section	20
Legal Subdivision	LUDERMANS LORI-ETTE
Legal Lot Number	18,19,2
Jurisdiction	HILLSDALE MI
Township / Civil Division	READING
Census Block Group	3
Census Block	3026
Census Tract	50400

Owner

Source: Hillsdale County records, as of October 5, 2026

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	5607 RIDGE DR, READING, MI 49274-9820
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 23, 2020	Warranty Deed, Transfer · Conventional Mortgage CENTURY BANK & TRUST
Aug 16, 2017	Warranty Deed, Transfer · Conventional Mortgage HILLSDALE COUNTY NATIONAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 23, 2020 · Amount on Record
Deed Sale	Nov 23, 2020 · Amount on Record
Prior Sale	Aug 16, 2017 · Amount on Record
Deed Book / Page	1779 / 1217
Prior Transfer Date	May 6, 2011
Prior Transfer Doc	1458000247
Record Updated	Oct 29, 2026

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HILLSDALE MI
Recording Date	Nov 23, 2020
Property Address	5607 RIDGE DR, READING, MI 49274-9820
Document Number	01779/1217
Book / Page	1779 / 1217
Map Reference	LB 10 PG 1-3
Instrument Date	Nov 20, 2020
Transaction Type	Transfer
Record Updated	Aug 12, 2022
Title Company	MIDSTATE TITLE AGENCY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,010.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5607 RIDGE DR, 5607, READING, MI 49274-9820

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	223 MILLER ST, CAMDEN, MI 49232-9599

Mortgage

Document Number	0017791218
Date	Nov 23, 2020
Instrument	1779/1218

Lender

Name	CENTURY BANK & TRUST
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2050

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HILLSDALE MI
Recording Date	Aug 16, 2017
Property Address	5607 RIDGE DR, READING, MI 49274-9820
Document Number	01664/0538
Book / Page	1664 / 0538
Map Reference	LB10 PG1-3
Instrument Date	Aug 14, 2017
Transaction Type	Transfer
Record Updated	Aug 12, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,562.80
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5607 RIDGE DR, 5607, READING, MI 49274-9820

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	5060 STATE RD, HILLSDALE, MI 49242-9749
Investor	Possibly a Property Investor

Mortgage

Document Number	0016640541
Date	Aug 16, 2017
Instrument	1664/0541

Lender

Name	HILLSDALE COUNTY NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2047

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		$236,000 (+35.94%)	$460,767 (+36.79%) Land $21,000 Building $439,767
2025	$4,847.00 (+21.42%)
2023		$173,600	$336,846 Land $21,000 Building $315,846
2021	$3,992.00

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
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 96% of the US · lower than 91% 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 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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