Hillsdale County property record for 105 W Silver St, Reading, MI 49274
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 840 sqft |
| Lot Size | 0.112 acres (4,922 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $996 (2021) |
| Deeds & Mortgages | Feb 2019 Mortgage Feb 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 20-045-001-008 |
| Primary APN | 20-045-001-008 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 840 sqft Living Area |
| Gross Area | 1,680 sqft |
| Basement Area | 840 sqft |
| Architectural Style | Ranch |
|---|---|
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 4,922 sqft (0.112 acres) |
| Heating System | Forced Air |
|---|
| Street Address | 105 W SILVER ST |
|---|---|
| City | READING |
| State | MI |
| Zip | 49274-9104 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | COM 74.25 FT W OF NE COR LOT 46 TH W 74.25 FT TH S 66 FT TH E 74.25 FT TH N 66 FT TO POB FULLER & PROUTY ADD SEC 27 T7S R4W C |
| Legal Subdivision | FULLER & PROUTY ADD |
| Legal Lot Number | 46 |
| Jurisdiction | HILLSDALE MI |
| Township / Civil Division | READING |
| Census Block Group | 4 |
| Census Block | 4017 |
| Census Tract | 50400 |
105 W Silver St is owned and occupied by an individual who acquired it in December 2013.
Source: Hillsdale County records, as of August 4, 2023
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 105 W SILVER ST, READING, MI 49274-9104 |
| 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.
| Date | Document |
|---|---|
| Feb 1, 2019 | Deed of Trust, Mortgage · Conventional Mortgage CENTURY BANK & TRUST |
| Feb 28, 2022 | Deed of Trust, Mortgage · Conventional Mortgage CENTURY BANK & TRUST |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 19, 2013 |
| Deed Sale | Dec 19, 2013 |
| Deed Document Number | 0001713557 |
| Deed Book / Page | 1160 / 0918 |
| Prior Transfer Date | Jul 12, 2004 |
| Prior Transfer Doc | 0011600918 |
| Record Updated | Jun 7, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HILLSDALE MI |
| Property Address | 105 W SILVER ST, READING, MI 49274-9104 |
| Transaction Type | Mortgage |
| Record Updated | Jul 22, 2022 |
| Name | Verified Name |
|---|
| Document Number | 01713/0558 |
|---|---|
| Date | Feb 1, 2019 |
| Book Page | 1713/0558 |
| Name | CENTURY BANK & TRUST |
|---|---|
| Type | Bank |
| Address | READING, MI 49274 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Feb 1, 2029 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HILLSDALE MI |
| Property Address | 105 W SILVER ST, READING, MI 49274-9104 |
| Transaction Type | Mortgage |
| Record Updated | Jul 22, 2022 |
| Name | Verified Name |
|---|---|
| Address | 105 W SILVER ST, READING, MI 49274-9104 |
| Document Number | 001820/343 |
|---|---|
| Date | Feb 28, 2022 |
| Book Page | 1820/343 |
| Name | CENTURY BANK & TRUST |
|---|---|
| Type | Bank |
| Address | COLDWATER, MI 49036 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Mar 1, 2037 |
Source: Hillsdale County assessment roll, as of March 1, 2023
| Type | Name |
|---|---|
| State | Michigan |
| County | Hillsdale County |
| Municipality | Reading City |
| Unified School District | Reading Community Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2023 | $46,100 | $92,145 Land $6,146 Building $85,999 | |
| 2021 | $996.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 105 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.
The area around 105 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.
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 |
| 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.
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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