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313 W Silver St, Reading, MI 49274 Property Records

Hillsdale County property record for 313 W Silver St, Reading, MI 49274 · Last verified June 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms3 Beds
Bathrooms1 Baths
Square Footage1,126 sqft Living Area
Lot Size8,712 sqft (0.2 acres)
Garage864 sqft
OccupancyOwner Occupied
Last Sale$175,000 (2026)
Tax Bill$943.00 (2025)

Property Details

APN / Parcel Number

Primary APN20-065-001-033

Interior

Bedrooms3 Beds
Full Baths1 Baths
Total Rooms6 Rooms
Building Area1,126 sqft Living Area
Gross Area1,812 sqft Gross Area
1st Floor1,812 sqft 1st Floor
Basement Area686 sqft Basement
Unfinished Basement686 sqft Unfinished
Stories1 Stories

Exterior

Architectural StyleRanch Style
Exterior MaterialAluminum/Vinyl Exterior
Lot Area8,712 sqft (0.2 acres)
Depth X Width132 ft x 66 ft Depth x Width
Parking Spaces3 Parking Spaces
Garage Area864 sqft Garage

Utilities and HVAC

Heating SystemForced Air with Air Conditioning Heating
SewageMunicipal Sewage
Water SourceCommercial Water Source

Location & Zoning

Street Address313 W SILVER ST
CityREADING
StateMI
Zip49274-9105
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionLOT 43 CHAPMANS ADD SEC 27 T7S R4W CITY OF READING
Legal Range04W
Legal Township07S
Legal Section27
Legal SubdivisionCHAPMANS ADD
Legal Lot Number43
JurisdictionHILLSDALE MI
Minor Civil DivisionREADING
Census Blockgroup4
Census Block4010
Census Tract50400

Owner

Source: Hillsdale County records · APN 20-065-001-033

Assessment roll updated August 4, 2025 · Last verified June 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on File
Mailing Address313 W SILVER ST, READING, MI 49274-9105
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
May 07, 2026Warranty Deed, Transfer · Conventional Mortgage
PROSPERITY HOME MORTGAGE
Jan 18, 2017Quit Claim Deed, Transfer
ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleMay 07, 2026 · Amount on Record
Deed SaleMay 07, 2026 · Amount on Record
Deed Doc Number2026622995
Deed Book / Page1921 / 305
Prior Transfer DateFeb 23, 2004
Prior Transfer Doc1135000138
Record RefreshedSep 20, 2026

May 2026: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionHILLSDALE MI
Recording DateMay 07, 2026
Property Address313 W SILVER ST, READING, MI 49274-9105
Document Number0000622995
Book / Page1921 / 305
Instrument DateMay 01, 2026
Instrument2026.622995
Transaction TypeTransfer
Record UpdatedMay 28, 2026
Title CompanyEVONS TITLE, DEVON TITLE

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$152,005.00
Amount AccuracyCalculated from Tax (Full/Partial Unknown)
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address313 W SILVER ST, READING, MI 49274-9105
InvestorPossibly a Property Investor

Mortgage

Document Number0000622996,
DateMay 07, 2026
Instrument2026.622996
Lender
NamePROSPERITY HOME MORTGAGE
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueJun 01, 2056
Interest
Rate TypeFixed Rate
Rate6.38%
Initial TypeFixed Rate
Max Rate-1%

Mortgage

Document Number0000623032,
DateMay 08, 2026
Book Page1921/442
Instrument2026.623032
Lender
NameMICHIGAN STATE HSNG DEV AUTH
Agreement
AmountAmount Recorded
Interest
Rate6.38%
Max Rate-1%

January 2017: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionHILLSDALE MI
Recording DateJan 18, 2017
Property Address313 W SILVER ST, READING, MI 49274-9105
Document Number01645/0334
Book / Page1645 / 0334
Instrument DateJan 17, 2017
Transaction TypeTransfer
Record UpdatedMay 01, 2023
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

Tax$0.00
Amount AccuracyTransfer Tax Exempt
Additional
  • Quitclaim Document
  • Interfamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address209 N MAIN ST, READING, MI 49274-9543

Transferred To (Grantee/Buyer)

NameVerified Name
Address313 W SILVER ST, READING, MI 49274-9105

Tax Assessment & Valuation

Source: Hillsdale County records · Assessment roll updated August 4, 2025 · Last verified June 2026

Property Jurisdictions

TypeName
StateMichigan
CountyHillsdale County
MunicipalityReading City
Unified School DistrictReading Community Schools (KG - 12)

Tax Bill & Assessment History

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.

YearTax BillAssessed ValueAssessed Market Value
2025$943.00 (-29.73%) Homeowner's exemption$69,300 (+36.69%)$138,520 (+36.7%) Land $8,580 Building $129,940
2023$50,700$101,335 Land $7,590 Building $93,745
2021$1,342.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Hillsdale County (26059C), updated February 19, 2014 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo

Wildfire

Wildfire RiskLow
above 2% of the US · above 4% of Michigan
Wildfire LikelihoodLess than 1 in 10,000 per year
ExposureDirect
burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.

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