104 W Silver St, Reading, MI 49274 Property Records

Hillsdale County property record for 104 W Silver St, Reading, MI 49274

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 936 sqft
Lot Size	0.123 acres (5,358 sqft)
Owner	Individual Name on File
Last Sale	$134,000 (Mar 2026)
Tax Bill	$1,088 (2025)
Deeds & Mortgages	Mar 2026 Sale & Mortgage Mar 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`20-040-001-055`

Property Details

APN / Parcel Number

Primary APN	`20-040-001-055`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	936 sqft Living Area
Gross Area	1,616 sqft
1st Floor Area	1,616 sqft
Basement Area	856 sqft
Unfinished Basement	856 sqft

Exterior

Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	5,358 sqft (0.123 acres)
Lot Dimensions	66 ft deep x 81 ft wide

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	104 W SILVER ST
City	READING
State	MI
Zip	49274-9104
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	B2DWTNB
Legal Description	LOT 30 EXC E 51 FT PROUTY & FULLER ADD SEC 27 T7S R4W CITY OF READING
Legal Range	04W
Legal Township	07S
Legal Section	27
Legal Subdivision	PROUTY & FULLER ADD
Legal Lot Number	30
Jurisdiction	HILLSDALE MI
Township / Civil Division	READING
Census Block Group	4
Census Block	4008
Census Tract	50400

Owner

104 W Silver St is owned and occupied by an individual who bought it in March 2026.

Source: Hillsdale County records, as of March 26, 2026

Owner of Record	Individual Name on File
Mailing Address	4600 BANKERS RD, HILLSDALE, MI 49242-8646
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Mar 10, 2026	Warranty Deed, Transfer · Conventional Mortgage COUNTY NATIONAL BANK
Mar 30, 2021	Warranty Deed, Transfer · Conventional Mortgage RUOFF MORTGAGE COMPANY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 10, 2026 · Amount on File
Deed Sale	Mar 10, 2026 · Amount on File
Prior Sale	Mar 30, 2021 · Amount on File
Deed Document Number	2026621190
Deed Book / Page	1916 / 324
Record Updated	Jun 8, 2026

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HILLSDALE MI
Recording Date	Mar 10, 2026
Property Address	104 W SILVER ST, READING, MI 49274-9104
Document Number	001916/324
Book / Page	1916 / 324
Map Reference	LB AA PG 26
Instrument Date	Mar 10, 2026
Transaction Type	Transfer
Record Updated	Mar 31, 2026
Title Company	MIDSTATE TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,005.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4885 W HALLETT RD, HILLSDALE, MI 49242-9480

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4600 BANKERS RD, HILLSDALE, MI 49242-8646

Mortgage

Document Number	0001916326
Date	Mar 10, 2026
Instrument	1916/326

Lender

Name	COUNTY NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Apr 1, 2046

Interest

Rate Type	Adjustable Rate
Rate	6.62%
Type Change Date	Apr 1, 2033
Change Frequency	Annually
Min Rate At Change	6.62%
Max Rate At Change	11.6%
Index	1-Year CMT
Margin	3
Max Rate	11.6%

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HILLSDALE MI
Recording Date	Mar 30, 2021
Property Address	104 W SILVER ST, READING, MI 49274-9104
Document Number	001790/937
Book / Page	1790 / 937
Map Reference	LB AA PG 26
Instrument Date	Mar 24, 2021
Transaction Type	Transfer
Record Updated	Jul 22, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$907.30
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6051 SWEET CLOVER HILLS DR, 6051, JONESVILLE, MI 49250-9141

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	104 W SILVER ST, READING, MI 49274-9104

Mortgage

Document Number	0001790939
Date	Mar 30, 2021
Instrument	1790/939

Lender

Name	RUOFF MORTGAGE COMPANY
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 104 W Silver St was $1,088 with a homeowner's exemption.

Source: Hillsdale County assessment roll, as of August 4, 2025

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
2025	$1,088.00 Homeowner's exemption	$68,100	$136,253 Land $7,039 Building $129,214
2023		$49,700	$99,450 Land $6,226 Building $93,224
2021	$1,547.00

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

FEMA maps place 104 W Silver St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2001.

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

The area around 104 W Silver St has no burnable land within ember reach, so its wildfire risk is not rated.

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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	READING serves 1,078 people · EPA ID MI0005620
Water Source	Groundwater
Last State Inspection	May 2024
Lead	3 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	3 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 274 locations within half a mile, as of December 31, 2025

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

May also be available: DMCI Broadband, Lakeland Internet.

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