9651 Cambria Rd, Reading, MI 49274 Property Records

Hillsdale County property record for 9651 Cambria Rd, Reading, MI 49274

Property Summary

Property Type	Rural Home
Details	1 ba · 1,432 sqft
Lot Size	2 acres (87,120 sqft)
Owner	2 Individual Names on Record
Tax Bill	$1,083 (2025)
Deeds & Mortgages	Mar 2022 Transfer Nov 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`15-009-300-007-09-8-3`

Property Details

APN / Parcel Number

Primary APN	`15-009-300-007-09-8-3`

Interior

Full Baths	1 Bath
Stories	2 Stories
Building Area	1,432 sqft Living Area
Gross Area	2,498 sqft
1st Floor Area	2,498 sqft
Basement Area	832 sqft
Unfinished Basement	832 sqft

Exterior

Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Lot Area	87,120 sqft (2 acres)
Garage Area	468 sqft
Parking Spaces	2 Parking Spaces
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	9651 CAMBRIA RD
City	READING
State	MI
Zip	49274-9696
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	COM SW COR SW1/4 SEC TH N 1565 FT TO POB TH E 455 FT TH N 195 FT TH W 455 FT TH S 195 FT TO POB SEC 9 T8S R3W 2.04 A M/L
Legal Range	03W
Legal Township	08S
Legal Section	09
Legal Subdivision	False
Jurisdiction	HILLSDALE MI
Township / Civil Division	WOODBRIDGE
Census Block Group	3
Census Block	3036
Census Tract	51200

Owner

Source: Hillsdale County records, as of July 27, 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	9651 CAMBRIA RD, READING, MI 49274-9696
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 23, 2022	Intrafamily Transfer, Transfer
Nov 28, 2018	Deed of Trust, Mortgage · Line of Credit SOUTHERN MICHIGAN BANK & TRUST

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Sep 20, 2026

March 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HILLSDALE MI
Recording Date	Mar 23, 2022
Property Address	9651 CAMBRIA RD, READING, MI 49274-9696
Document Number	001822/257
Book / Page	1822 / 257
Instrument Date	Mar 10, 2022
Transaction Type	Transfer
Record Updated	Apr 19, 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
Relationship	Tenants by the Entirety
Address	9651 CAMBRIA RD, READING, MI 49274-9696

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HILLSDALE MI
Property Address	9651 CAMBRIA RD, READING, MI 49274-9696
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1708/0801
Date	Nov 28, 2018
Book Page	1708/0801

Lender

Name	SOUTHERN MICHIGAN BANK & TRUST
Type	Bank
Address	COLDWATER, MI 49036

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	59 Months
Due	Oct 10, 2023

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Michigan
County	Hillsdale County
County Subdivision	Woodbridge Township
Unified School District	Camden-Frontier School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$99,600 (-2.83%)	$199,273 (-2.8%) Land $14,620 Building $184,653
2025	$1,083.00 (+16.58%) Homeowner's exemption	$102,500 (+64.53%)	$205,019 (+64.56%) Land $12,625 Building $192,394
2023		$62,300	$124,585 Land $9,620 Building $114,965
2021	$929.00

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 80% of the US · above 51% of Michigan
Wildfire Likelihood	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 6 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
MetaLINK Technologies Fixed Wireless	200 / 50
Mercury Fiber Fixed Wireless	150 / 20
DMCI Broadband Fixed Wireless	40 / 10

May also be available: Verizon.

Cell Coverage

5G and 4G LTE (outdoors only)

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