Hillsdale County property record for 312 W Silver St, Reading, MI 49274
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 976 sqft |
| Lot Size | 0.25 acres (10,890 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $75,500 (Feb 1998) |
| Tax Bill | $564 (2025) |
| Deeds & Mortgages | Nov 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 20-065-001-045 |
| Primary APN | 20-065-001-045 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 976 sqft Living Area |
| Gross Area | 1,392 sqft |
| 1st Floor Area | 1,392 sqft |
| Basement Area | 560 sqft |
| Unfinished Basement | 560 sqft |
| Architectural Style | Ranch |
|---|---|
| Exterior Material | Wood Siding |
| Lot Area | 10,890 sqft (0.25 acres) |
| Lot Dimensions | 132 ft deep x 82 ft wide |
| Heating System | Forced Air with A/C |
|---|---|
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 312 W SILVER ST |
|---|---|
| City | READING |
| State | MI |
| Zip | 49274-9105 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1LDRES |
| Legal Description | LOT 64 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 | 64 |
| Jurisdiction | HILLSDALE MI |
| Township / Civil Division | READING |
| Census Block Group | 4 |
| Census Block | 4004 |
| Census Tract | 50400 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 312 W SILVER ST, READING, MI 49274-9105 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 27, 1998 · Amount on Record |
| Deed Sale | Feb 27, 1998 · Amount on Record |
| Prior Sale | Feb 9, 1996 · Amount on Record |
| Last Transfer Date | Aug 29, 2016 |
| Transfer Doc | 01632/0257 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HILLSDALE MI |
| Property Address | 312 W SILVER ST, READING, MI 49274-9105 |
| Transaction Type | Mortgage |
| Record Updated | Jul 22, 2022 |
| Name | Verified Name |
|---|---|
| Address | 312 W SILVER ST, READING, MI 49274-9105 |
| Document Number | 001813/578 |
|---|---|
| Date | Nov 30, 2021 |
| Book Page | 1813/578 |
| Name | THE HUNTINGTON NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43219 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2051 |
Source: Hillsdale County assessment roll, as of August 4, 2025
| 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 |
|---|---|---|---|
| 2025 | $564.00 (-29.68%) Homeowner's exemption | $50,600 (+36.02%) | $101,265 (+35.94%) Land $8,872 Building $92,393 |
| 2023 | $37,200 | $74,492 Land $7,848 Building $66,644 | |
| 2021 | $802.00 |
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.
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.
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.
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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