8155 Cole Rd, Reading, MI 49274 Property Records

Hillsdale County property record for 8155 Cole Rd, Reading, MI 49274

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,020 sqft
Lot Size	0.133 acres (5,837 sqft)
Owner	Individual Name on Record
Last Sale	$209,900 (Jul 2022)
Tax Bill	$2,386 (2021)
Deeds & Mortgages	Jul 2022 Sale & Mortgage Aug 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`05-050-001-006`

Property Details

APN / Parcel Number

Primary APN	`05-050-001-006`

Interior

Full Baths	2 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,020 sqft Living Area

Exterior

Exterior Material	Aluminum/Vinyl
Lot Area	5,837 sqft (0.133 acres)
Garage Area	240 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Forced Air

Location & Zoning

Street Address	8155 COLE RD
City	READING
State	MI
Zip	49274
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 8 & E 10 FT OF LOT 9 ELLIOTT SHORES SEC 33 T6S R4W
Legal Subdivision	ELLIOTT SHORES
Legal Lot Number	8,E,9
Jurisdiction	HILLSDALE MI
Township / Civil Division	ALLEN
Census Block Group	2
Census Block	2022
Census Tract	50400

Owner

Source: Hillsdale County records, as of August 4, 2023

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
Co-owner	Co-owner on Record
Mailing Address	5371 COUNTY ROAD B, DELTA, OH 43515-9227
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 29, 2022	Warranty Deed, Transfer · Conventional Mortgage FIRST FEDERAL SAVINGS & LOAN ASSN O
Aug 31, 2020	Warranty Deed, Transfer · Conventional Mortgage CITIZENS BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 29, 2022 · Amount on Record
Deed Sale	Jul 29, 2022 · Amount on Record
Prior Sale	Aug 31, 2020 · Amount on Record
Deed Document Number	0018311235
Deed Book / Page	1831 / 1235
Record Updated	Jun 7, 2026

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HILLSDALE MI
Recording Date	Jul 29, 2022
Property Address	8155 COLE RD, READING, MI 49274
Document Number	01831/1235
Book / Page	1831 / 1235
Map Reference	LB 3 PG 24
Instrument Date	Jul 25, 2022
Transaction Type	Transfer
Record Updated	Aug 10, 2022
Title Company	LIBERTY TITLE, LIBERTY TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,575.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8155 COLE RD, 8155, READING, MI 49274

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5371 COUNTY RD N # B, B, DELTA, OH 43515-9786

Mortgage

Document Number	0018311237
Date	Jul 29, 2022
Instrument	1831-1237

Lender

Name	FIRST FEDERAL SAVINGS & LOAN ASSN O

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2052

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HILLSDALE MI
Recording Date	Aug 31, 2020
Property Address	8155 COLE RD, READING, MI 49274
Document Number	001771/835
Book / Page	1771 / 835
Instrument Date	Aug 27, 2020
Transaction Type	Transfer
Record Updated	May 3, 2022
Title Company	MIDSTATE TITLE AGENCY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,333.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	494 DELAFORD CT, 494, CANTON, MI 48188-6262

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	99 ACADEMY DR, SWANTON, OH 43558-1402

Mortgage

Document Number	0001771836
Date	Aug 31, 2020
Instrument	1771/836

Lender

Name	CITIZENS BANK NA
Type	Bank

Agreement

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

Tax Assessment & Valuation

Source: Hillsdale County assessment roll, as of March 1, 2023

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2023		$108,200	$216,372 Land $43,999 Building $172,373
2021	$2,386.00

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

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	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.

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 44 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Starlink Satellite	280 / 30

May also be available: Mercury Fiber.

Cell Coverage

4G LTE (outdoors only), no 5G reported

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