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Single Family ResidenceResidential
$49,083$59 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 90How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Sep 24, 2026
Last sold for $38,000 on Dec 10, 2004

406 RAILROAD ST

READING, MI 49274
3
Beds
1
Baths
831 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.36 ac
Lot SizeThe size of the land the home sits on, from county records.
1
StoriesHow many floors the home has above ground.
5
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$49K
$44K low$54K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$38,000 · Dec 10, 2004

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$697 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$27,800 (2026)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$28,700
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$55,654

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.31
10
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
4
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
64
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
76
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
3
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.6 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.6%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.minimal

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
StyleThe architectural style of the home, such as ranch or colonial.Ranch
CountyHILLSDALE
Lot (acres)The size of the land the home sits on, from county records.0.36
HeatingThe type of heating system in the home.Forced Air With Air Conditioning
PoolWhether the property has a pool, and what kind, such as in-ground.No

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

M
Owens High SchoolD+
Middle · Grades 7–12 · 0.1 mi
E
Reynolds Elementary SchoolC-
Elementary · Grades KG–6 · 0.4 mi

District: Reading Community Schools

Neighborhood · ZIP 49274These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.137
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.71
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.32

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.75%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.15%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.21%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.3%
PopulationHow many people live in this area.3,994
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.65 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$61,305
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$73,375
Average tempThe average temperature here across a full year.48°F
Annual precipHow much rain and melted snow falls here in a typical year.37 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.50%

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Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

406 Railroad St measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth less than 98% of homes in Reading 49274
  • Costs less per square foot than 98% of homes in Hillsdale County
  • Smaller than 86% of homes in Hillsdale County
  • Has a smaller lot than 69% of homes in Hillsdale County

What homes are worth in Reading 49274

Each bar is how many homes fall in that price range. The marker is this home.

This home
$46K$506K

This home is worth more than 2% of homes in Reading 49274.

How it measures up in Reading 49274

The dot is this home. The mark in the middle is the typical home in Reading 49274.

Estimated value$49,083
CheaperTypical $173,006Pricier

Pricier than 2% of homes nearby

Price per ft²$59
CheaperTypical $165Pricier

Pricier than 3% of homes nearby

Living area831 ft²
SmallerTypical 1,128 ft²Bigger

Bigger than 20% of homes nearby

Lot size0.36 ac
SmallerTypical 0.49 acBigger

Bigger than 42% of homes nearby

How 406 Railroad St ranks against every home in each area.
MeasureThis homeReading 49274Hillsdale County
Estimated valuepricier than$49,0832% of homes3% of homes
Price per ft²pricier than$593% of homes2% of homes
Living areabigger than831 ft²20% of homes14% of homes
Lot sizebigger than0.36 ac42% of homes31% of homes

About 406 Railroad St

How much is 406 Railroad St, Reading, MI worth?

The TopHap Estimate for 406 Railroad St, Reading, MI is $49,083 as of Sep 24, 2026. The likely range is $44,138 to $54,028. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 406 Railroad St, Reading, MI last sell?

406 Railroad St, Reading, MI last sold on Dec 10, 2004 for $38,000, according to the county's recorded deed.

How big is 406 Railroad St, Reading, MI?

406 Railroad St, Reading, MI has 3 bedrooms, 1 bathrooms, 831 square feet of living space and a 0.36-acre lot.

What schools serve 406 Railroad St, Reading, MI?

406 Railroad St, Reading, MI is assigned to Owens High School (middle), rated D+; Reynolds Elementary School (elementary), rated C-. All sit in Reading Community Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 406 Railroad St, Reading, MI compare to other homes in Reading 49274?

Among the 2,004 homes in Reading 49274, it is worth more than 2% of them ($49,083 against a typical $173,006), its price per square foot is higher than 3% of them ($59 against a typical $165), it is bigger than 20% of them (831 ft² against a typical 1,128 ft²) and its lot is bigger than 42% of them (0.36 ac against a typical 0.49 ac). Measured against all of Hillsdale County, it is worth more than 3% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 406 Railroad St, Reading, MI?

The 2025 property tax bill for 406 Railroad St, Reading, MI was $697. The county assessed it at $27,800.

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