Hillsdale County property record for 8040 Cole Rd, Reading, MI 49274
| Property Type | Mobile Home |
|---|---|
| Details | 1 ba · 854 sqft |
| Lot Size | 1 acres (43,560 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $65,900 (Aug 2006) |
| Tax Bill | $412 (2025) |
| Deeds & Mortgages | Aug 2026 Sale Dec 2025 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 05-033-400-020-33-6-4 |
| Primary APN | 05-033-400-020-33-6-4 |
|---|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 854 sqft Living Area |
| 1st Floor Area | 854 sqft |
| Exterior Material | Aluminum/Vinyl |
|---|---|
| Lot Area | 43,560 sqft (1 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Street Address | 8040 COLE RD |
|---|---|
| City | READING |
| State | MI |
| Zip | 49274-9889 |
| Property Category | Residential |
| Property Type | Residential > Prefabricated > Mobile Home |
| Legal Description | COM INT C/L COLE RD & E SEC LN TH N ALG SEC LN 456 FT TH W 111.29 FT TO POB TH W 125.71 FT TH S 400 FT TO C/L COLE RD TH ELY |
| Legal Range | 04W |
| Legal Township | 06S |
| Legal Section | 33 |
| Legal Subdivision | False |
| Legal Lot Number | 5 |
| Jurisdiction | HILLSDALE MI |
| Township / Civil Division | ALLEN |
| Census Block Group | 2 |
| Census Block | 2021 |
| Census Tract | 50400 |
Source: Hillsdale County records, as of September 14, 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 | 7357 OAK HOLLOW CT, SYLVANIA, OH 43560-3675 |
| Owner Type | Individual |
| Vesting | Life Estate |
| Date | Document |
|---|---|
| Aug 19, 2026 | Warranty Deed, Transfer NONE LISTED ON DOCUMENT |
| Dec 22, 2025 | Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 29, 2006 · Amount on Record |
| Deed Sale | Aug 29, 2006 · Amount on Record |
| Prior Sale | May 30, 1998 · Amount on Record |
| Deed Book / Page | 1277 / 246 |
| Prior Transfer Date | Aug 22, 1997 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HILLSDALE MI |
| Recording Date | Aug 19, 2026 |
| Property Address | 8040 COLE RD, READING, MI 49274-9889 |
| Document Number | 0000625295 |
| Book / Page | 1929 / 104 |
| Instrument Date | Jul 22, 2026 |
| Instrument | 2026625295 |
| Transaction Type | Transfer |
| Record Updated | Sep 9, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Life Estate |
| Address | 7357 OAK HOLLOW CT, SYLVANIA, OH 43560-3675 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HILLSDALE MI |
| Property Address | 8040 COLE RD, READING, MI 49274-9889 |
| Transaction Type | Mortgage |
| Record Updated | Jan 6, 2026 |
| Name | Verified Name |
|---|
| Document Number | 00001911/1 |
|---|---|
| Date | Dec 22, 2025 |
| Book Page | 1911/1 |
| Name | FIGURE LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Jan 1, 2046 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Hillsdale County assessment roll, as of July 27, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Hillsdale County |
| County Subdivision | Allen Township |
| Unified School District | Reading Community Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $21,800 (+9.55%) | $43,515 (+9.39%) Land $7,880 Building $35,635 | |
| 2025 | $412.00 (+13.5%) | $19,900 (+22.84%) | $39,779 (+22.91%) Land $7,200 Building $32,579 |
| 2023 | $16,200 | $32,364 Land $6,080 Building $26,284 | |
| 2021 | $363.00 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 | 3 in force |
| Nearby Flood Claims | 1 (2018) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Feb 2018 · rainfall accumulation |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 85% of Michigan |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 4 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 35 |
4G LTE (outdoors only), no 5G reported
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