7038 Frank Rd, Reading, MI 49274 Property Records

Hillsdale County property record for 7038 Frank Rd, Reading, MI 49274

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,065 sqft
Lot Size	42 acres (1,829,520 sqft)
Owner	2 Individual Names on File
Last Sale	$139,900 (Jul 2000)
Tax Bill	$2,374 (2021)
Deeds & Mortgages	May 2022 Transfer Apr 2022 Sale & Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`14-003-200-004-03-8-4`

Property Details

APN / Parcel Number

Primary APN	`14-003-200-004-03-8-4`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,065 sqft Living Area
Gross Area	1,425 sqft
1st Floor Area	1,425 sqft
Basement Area	1,065 sqft
Unfinished Basement	1,065 sqft

Exterior

Exterior Material	Wood Siding
Lot Area	1,829,520 sqft (42 acres)
Garage Area	1,280 sqft
Parking Spaces	5 Parking Spaces
Total Buildings	5 Buildings

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	7038 FRANK RD
City	READING
State	MI
Zip	49274-9590
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	NE1/4 NE1/4 ALSO COM AT NW COR SEC 2 TH E 87.5 FT TH IN A SWLY DIRECTION 486.75 FT TO SEC LN B/N SEC 2 & 3 TH N ALG SD SEC LN
Legal Range	04W
Legal Township	08S
Legal Section	03
Legal Subdivision	False
Jurisdiction	HILLSDALE MI
Township / Civil Division	CAMDEN
Census Block Group	4
Census Block	4015
Census Tract	50400

Owner

7038 Frank Rd is owned and occupied by two individuals who bought it in July 2000.

Source: Hillsdale County records, as of August 4, 2025

Owner of Record	2 Individual Names on File
Mailing Address	7038 FRANK RD, READING, MI 49274-9590
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
May 9, 2022	Intrafamily Transfer, Transfer
Apr 22, 2022	Warranty Deed, Transfer · Line of Credit COUNTY NATIONAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 31, 2000 · Amount on File
Deed Sale	Jul 31, 2000 · Amount on File
Prior Sale	Oct 3, 1998 · Amount on File
Transfer Doc	01825/1271
Record Updated	Jun 8, 2026

May 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HILLSDALE MI
Recording Date	May 9, 2022
Property Address	7038 FRANK RD, READING, MI 49274-9590
Document Number	01825/1271
Book / Page	1825 / 1271
Instrument Date	Apr 27, 2022
Transaction Type	Transfer
Record Updated	May 20, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8300 S EDON RD, READING, MI 49274-9214

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HILLSDALE MI
Recording Date	Apr 22, 2022
Property Address	7038 FRANK RD, READING, MI 49274-9590
Document Number	001824/995
Book / Page	1824 / 995
Instrument Date	Apr 22, 2022
Transaction Type	Transfer
Record Updated	May 20, 2022
Title Company	PUBLIC TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$960.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7038 FRANK RD, 7038, READING, MI 49274-9590

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8031 S EDON RD, READING, MI 49274-9839

Mortgage

Document Number	0018240998
Date	Apr 22, 2022
Instrument	1824-0998

Lender

Name	COUNTY NATIONAL BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	241 Months
Due	May 1, 2042

Tax Assessment & Valuation

Source: Hillsdale County assessment roll, as of August 4, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$223,071 Land $113,675 Building $109,396	$446,143 Land $227,350 Building $218,793
2023		$146,639 Land $86,825 Building $59,814	$293,277 Land $173,650 Building $119,627
2021	$2,374.00

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

Flood

FEMA maps place 7038 Frank Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2001.

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	1 in force
Nearby Flood Claims	1 (2001)
Most Recent Claim	Feb 2001 · 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

Wildfire risk around 7038 Frank Rd is low, with less than a 0.01% annual chance of 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	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 15 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Mercury Fiber Fixed Wireless	150 / 20
DMCI Broadband Fixed Wireless	40 / 10
AT&T Fixed Wireless	25 / 3

May also be available: Frontier, Verizon.

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