704 S Main St, Reading, MI 49274 Property Records

Hillsdale County property record for 704 S Main St, Reading, MI 49274

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 910 sqft · built 1939
Lot Size	0.261 acres (11,369 sqft)
Owner	2 Individual Names on Record
Last Sale	$119,000 (Jan 2023)
Tax Bill	$2,367 (2025)
Deeds & Mortgages	Oct 2025 Mortgage Jan 2023 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`20-045-001-024`

Property Details

APN / Parcel Number

Primary APN	`20-045-001-024`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	910 sqft Living Area
1st Floor Area	910 sqft
Basement Area	910 sqft
Unfinished Basement	910 sqft

Exterior

Year Built	Built 1939
Effective Year Built	Effective 1939
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	11,369 sqft (0.261 acres)
Lot Dimensions	172 ft deep x 66 ft wide
Garage Area	247 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	704 S MAIN ST
City	READING
State	MI
Zip	49274-9808
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1LDRES
Legal Description	LOT 66 ALSO A STRIP OF LD 38.5 FT WIDE RNG N&S W & ADJ TO SD LOT FULLER & PROUTY ADD SEC 27 T7S R4W CITY OF READING
Legal Range	04W
Legal Township	07S
Legal Section	27
Legal Subdivision	FULLER & PROUTY ADD
Legal Lot Number	66
Jurisdiction	HILLSDALE MI
Township / Civil Division	READING
Census Block Group	4
Census Block	4003
Census Tract	50400

Owner

Source: Hillsdale County records, as of July 27, 2026

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	2 Individual Names on Record
Mailing Address	704 S MAIN ST, READING, MI 49274-9808
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 31, 2025	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Jan 31, 2023	Warranty Deed, Transfer · FHA Mortgage ROCKET MORTGAGE LLC
Aug 3, 2018	Warranty Deed, Transfer · Conventional Mortgage AMERIFIRST FINANCIAL CORP
May 19, 2017	Deed, Transfer · Conventional Mortgage FLAGSTAR BANK FSB

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 31, 2023 · Amount on Record
Deed Sale	Jan 31, 2023 · Amount on Record
Prior Sale	Aug 3, 2018 · Amount on Record
Deed Document Number	2023596501
Deed Book / Page	1843 / 389
Prior Transfer Date	Jan 14, 1993
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HILLSDALE MI
Property Address	704 S MAIN ST, READING, MI 49274-9808
Transaction Type	Mortgage
Record Updated	Nov 11, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	704 S MAIN ST, READING, MI 49274-9808

Mortgage

Document Number	001907/207
Date	Oct 31, 2025
Book Page	1907/207

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

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

January 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HILLSDALE MI
Recording Date	Jan 31, 2023
Property Address	704 S MAIN ST, READING, MI 49274-9808
Document Number	001843/389
Book / Page	1843 / 389
Map Reference	LB AD PG 502
Instrument Date	Jan 31, 2023
Transaction Type	Transfer
Record Updated	Feb 21, 2023
Title Company	PUBLIC TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$892.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	704 S MAIN ST, READING, MI 49274-9808

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11815 SPRINGBROOK CT, JEROME, MI 49249-9741

Mortgage

Document Number	0018430390
Date	Jan 31, 2023
Instrument	1843-0390

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2053

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HILLSDALE MI
Recording Date	Aug 3, 2018
Property Address	704 S MAIN ST, READING, MI 49274-9808
Document Number	01698/0317
Book / Page	1698 / 0317
Map Reference	LB AD PG502
Instrument Date	Aug 2, 2018
Transaction Type	Transfer
Record Updated	May 3, 2022
Title Company	PUBLIC TITLE COMPANY, PUBLIC TITLE CO

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$559.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	115 S MAIN ST, 115, MONTGOMERY, MI 49255-9537

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	260 E GARFIELD AVE, COLDWATER, MI 49036-9106

Mortgage

Document Number	0001698318
Date	Aug 3, 2018
Instrument	1698/318

Lender

Name	AMERIFIRST FINANCIAL CORP
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2048

May 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	HILLSDALE MI
Recording Date	May 19, 2017
Property Address	704 S MAIN ST, READING, MI 49274-9808
Document Number	1656/0512
Book / Page	1656 / 0512
Map Reference	LB AD PG502
Instrument Date	May 1, 2017
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2401 NW 23RD ST # ST1D, 2401, OKLAHOMA CITY, OK 73107-2442

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	704 S MAIN ST, READING, MI 49274-9808

Mortgage

Document Number	16560514
Date	May 19, 2017
Instrument	1656/0514

Lender

Name	FLAGSTAR BANK FSB
Type	Bank

Agreement

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

Tax Assessment & Valuation

Source: Hillsdale County assessment roll, as of July 27, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Hillsdale County
Municipality	Reading City
Unified School District	Reading Community Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$60,600 (-2.26%)	$121,240 (-2.21%) Land $9,363 Building $111,877
2025	$2,367.00 (+122.25%) Homeowner's exemption	$62,000 (+36.26%)	$123,976 (+36.27%) Land $9,363 Building $114,613
2023		$45,500	$90,978 Land $8,283 Building $82,695
2021	$1,065.00

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	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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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 20 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Spectrum Cable	1,000 / 1,000
Mercury Fiber Fixed Wireless	150 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Lakeland Internet.

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