129 W Silver St, Reading, MI 49274 Property Records

Hillsdale County property record for 129 W Silver St, Reading, MI 49274

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,008 sqft
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on Record
Last Sale	$141,000 (Oct 2025)
Tax Bill	$1,077 (2025)
Deeds & Mortgages	Oct 2025 Sale & Mortgage Oct 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`20-065-001-006`

Property Details

APN / Parcel Number

Primary APN	`20-065-001-006`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,008 sqft Living Area
Gross Area	1,638 sqft
1st Floor Area	1,638 sqft
Basement Area	952 sqft
Unfinished Basement	952 sqft

Exterior

Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	8,712 sqft (0.2 acres)
Lot Dimensions	132 ft deep x 66 ft wide
Garage Area	768 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	129 W SILVER ST
City	READING
State	MI
Zip	49274-9104
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1LDRES
Legal Description	LOT 6 CHAPMANS ADD SEC 27 T7S R4W CITY OF READING
Legal Range	04W
Legal Township	07S
Legal Section	27
Legal Subdivision	CHAPMANS ADD
Legal Lot Number	6
Jurisdiction	HILLSDALE MI
Township / Civil Division	READING
Census Block Group	4
Census Block	4017
Census Tract	50400

Owner

Source: Hillsdale County records, as of December 23, 2025

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
Mailing Address	67 ROSE ST, COLDWATER, MI 49036-1733
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Woman, Separate Property

Deeds, Mortgages & Sale History

Date	Document
Oct 17, 2025	Warranty Deed, Transfer · FHA Mortgage CROSSCOUNTRY MORTGAGE LLC
Oct 6, 2021	Warranty Deed, Transfer · FHA Mortgage AMERIFIRST FINANCIAL CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 17, 2025 · Amount on Record
Deed Sale	Oct 17, 2025 · Amount on Record
Prior Sale	Oct 6, 2021 · Amount on Record
Deed Document Number	2025618109
Deed Book / Page	1906 / 281
Prior Transfer Date	Dec 30, 2013
Prior Transfer Doc	01551/0793
Record Updated	Jun 8, 2026

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HILLSDALE MI
Recording Date	Oct 17, 2025
Property Address	129 W SILVER ST, READING, MI 49274-9104
Document Number	001906/281
Book / Page	1906 / 281
Map Reference	LB 63 PG 1
Instrument Date	Oct 16, 2025
Transaction Type	Transfer
Record Updated	Oct 30, 2025

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,057.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	67 ROSE ST, COLDWATER, MI 49036-1733

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	67 ROSE ST, COLDWATER, MI 49036-1733

Mortgage

Document Number	0001906492
Date	Oct 17, 2025
Instrument	1906/492

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

Mortgage

Document Number	001906/503
Date	Oct 21, 2025
Book Page	1906/503

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company
Address	CLEVELAND, OH 44114

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HILLSDALE MI
Recording Date	Oct 6, 2021
Property Address	129 W SILVER ST, READING, MI 49274-9104
Document Number	001808/620
Book / Page	1808 / 620
Map Reference	LB 63 PG 1
Instrument Date	Sep 17, 2021
Transaction Type	Transfer
Record Updated	Jul 22, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,075.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	17900 HILLSIDE RD, 17900, HUDSON, MI 49247-9781

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	224 MARSHALL ST, COLDWATER, MI 49036-1438

Mortgage

Document Number	0001808622
Date	Oct 6, 2021
Instrument	1808/622

Lender

Name	AMERIFIRST FINANCIAL CORP
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2051

Tax Assessment & Valuation

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	$1,077.00 (-35.93%) Homeowner's exemption	$67,200 (+36.59%)	$134,453 (+36.65%) Land $8,580 Building $125,873
2024	$1,681.00 (+9.73%)
2023		$49,200	$98,391 Land $7,590 Building $90,801
2021	$1,532.00

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

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 98% of the US · lower than 95% of Michigan
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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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