5688 Ridge Dr, Reading, MI 49274 Property Records

Hillsdale County property record for 5688 Ridge Dr, Reading, MI 49274

Property Summary

Property Type	Residential Vacant Land
Lot Size	0.332 acres (14,485 sqft)
Owner	2 Individual Names on Record
Last Sale	$275,000 (Sep 2025)
Tax Bill	$149 (2025)
Deeds & Mortgages	Sep 2025 Sale & Mortgage Jul 2023 Transfer
Flood Zone	Zone X (minimal risk)
APN	`10-215-001-015`

Property Details

APN / Parcel Number

Primary APN	`10-215-001-015`

Exterior

Lot Area	14,485 sqft (0.332 acres)
Lot Width	85 ft Width

Location & Zoning

Street Address	5688 RIDGE DR
City	READING
State	MI
Zip	49274-9820
Property Category	Residential
Property Type	Vacant Land > Residential
Local Zoning Code	ZONING
Legal Description	LOT 14 LUDERMANS LORI-ETTE SEC 20 T7S R4W
Legal Range	04W
Legal Township	07S
Legal Section	20
Legal Subdivision	LUDERMANS LORI-ETTE
Legal Lot Number	14
Jurisdiction	HILLSDALE MI
Township / Civil Division	READING
Census Block Group	3
Census Block	3026
Census Tract	50400

Owner

Source: Hillsdale County records, as of March 9, 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	1274 RIVER RIDGE DR, BROWNSBURG, IN 46112-7785
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Sep 22, 2025	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Jul 11, 2023	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 22, 2025 · Amount on Record
Deed Sale	Sep 22, 2025 · Amount on Record
Prior Sale	Jul 22, 2025 · Amount on Record
Deed Document Number	2025617513
Deed Book / Page	1904 / 321
Prior Transfer Date	Jun 22, 2023
Prior Transfer Doc	001853/516
Record Updated	Jun 8, 2026

September 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HILLSDALE MI
Recording Date	Sep 22, 2025
Property Address	5688 RIDGE DR, READING, MI 49274-9820
Document Number	001904/321
Book / Page	1904 / 321
Map Reference	LB 10 PG 1-3
Instrument Date	Sep 19, 2025
Transaction Type	Transfer
Record Updated	Oct 17, 2025
Title Company	PUBLIC TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,062.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5720 RIDGE DR, READING, MI 49274-9820

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1274 RIVER RIDGE DR, BROWNSBURG, IN 46112-7785

Mortgage

Document Number	0001904322
Date	Sep 22, 2025
Instrument	1904/322

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	6.12%
Type Change Date	Oct 1, 2035
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	11.1%
Index	SOFR Average 30-Day
Margin	3
Max Rate	11.1%

July 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HILLSDALE MI
Recording Date	Jul 11, 2023
Property Address	5688 RIDGE DR, READING, MI 49274-9820
Document Number	001853/516
Book / Page	1853 / 516
Instrument Date	Jun 22, 2023
Transaction Type	Transfer
Record Updated	Aug 1, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Living Trust
Address	5688 RIDGE DR, READING, MI 49274-9820

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	$149.00 (-57.67%)	$21,400 (-)	$42,890 (-) Land $42,890
2024	$352.00 (+13.92%)
2023		$21,400	$42,890 Land $42,890
2021	$309.00

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 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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