Hillsdale County property record for 316 W Silver St, Reading, MI 49274
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1 ba · 912 sqft · built 1955 |
| Lot Size | 0.25 acres (10,890 sqft) |
| Owner | Individual Name on File |
| Last Sale | $61,300 (May 2015) |
| Tax Bill | $972 (2021) |
| Deeds & Mortgages | Jun 2023 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 20-065-001-044 |
| Primary APN | 20-065-001-044 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 912 sqft Living Area |
| Basement Area | 912 sqft |
| Year Built | Built 1955 |
|---|---|
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 10,890 sqft (0.25 acres) |
| Garage Area | 308 sqft |
| Parking Spaces | 1 Parking Space |
| Heating System | Forced Air |
|---|
| Street Address | 316 W SILVER ST |
|---|---|
| City | READING |
| State | MI |
| Zip | 49274-9105 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 63 CHAPMANS ADD SEC 27 T7S R4W CITY OF READING |
| Legal Subdivision | CHAPMANS ADD |
| Legal Lot Number | 63 |
| Jurisdiction | HILLSDALE MI |
| Township / Civil Division | READING |
| Census Block Group | 4 |
| Census Block | 4004 |
| Census Tract | 50400 |
316 W Silver St is owned by an individual who bought it in May 2015.
Source: Hillsdale County records, as of August 4, 2023
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 243 N SANFORD RD, COLDWATER, MI 49036-9149 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 7, 2015 · Amount on File |
| Deed Sale | May 7, 2015 · Amount on File |
| Deed Document Number | 0015900567 |
| Deed Book / Page | 1590 / 0567 |
| Record Updated | Jun 7, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HILLSDALE MI |
| Property Address | 316 W SILVER ST, READING, MI 49274-9105 |
| Transaction Type | Mortgage |
| Record Updated | Jul 18, 2023 |
| Name | Verified Name |
|---|---|
| Address | 316W E SILVER ST, READING, MI 49274 |
| Document Number | 001852/508 |
|---|---|
| Date | Jun 21, 2023 |
| Book Page | 1852/508 |
| Name | CONSUMERS CU |
|---|---|
| Type | Credit Union |
| Address | KALAMAZOO, MI 49009 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 27, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
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 | $36,100 | $72,113 Land $7,848 Building $64,265 | |
| 2021 | $972.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 316 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 risk around 316 W Silver St is low, with less than a 0.01% annual chance of 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.
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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