Hillsdale County property record for 408 W Silver St, Reading, MI 49274
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 528 sqft |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | Individual Name on File |
| Last Sale | $63,000 (Sep 2021) |
| Tax Bill | $578 (2025) |
| Deeds & Mortgages | Sep 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 20-065-001-062 |
| Primary APN | 20-065-001-062 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 528 sqft Living Area |
| Gross Area | 624 sqft |
| 1st Floor Area | 624 sqft |
| Basement Area | 336 sqft |
| Unfinished Basement | 336 sqft |
| Architectural Style | Ranch |
|---|---|
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 8,712 sqft (0.2 acres) |
| Lot Dimensions | 132 ft deep x 66 ft wide |
| Heating System | Forced Air with A/C |
|---|---|
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 408 W SILVER ST |
|---|---|
| City | READING |
| State | MI |
| Zip | 49274-9121 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1LDRES |
| Legal Description | LOT 61 EXC E 16.5 FT THEREOF 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 | 61 |
| Jurisdiction | HILLSDALE MI |
| Township / Civil Division | READING |
| Census Block Group | 4 |
| Census Block | 4004 |
| Census Tract | 50400 |
408 W Silver St is owned and occupied by an individual who bought it in September 2021.
Source: Hillsdale County records, as of July 27, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 408 W SILVER ST, READING, MI 49274-9121 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 28, 2021 · Amount on File |
| Deed Sale | Sep 28, 2021 · Amount on File |
| Prior Sale | May 8, 2009 · Amount on File |
| Deed Book / Page | 1807 / 835 |
| Prior Transfer Date | Oct 20, 2008 |
| Prior Transfer Doc | 01370/0182 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HILLSDALE MI |
| Recording Date | Sep 28, 2021 |
| Property Address | 408 W SILVER ST, READING, MI 49274-9121 |
| Document Number | 001807/835 |
| Book / Page | 1807 / 835 |
| Map Reference | LB 63 PG 1 |
| Instrument Date | Sep 24, 2021 |
| Transaction Type | Transfer |
| Record Updated | Jul 22, 2022 |
| Title Company | MIDSTATE TITLE AGENCY LLC, MIDSTATE TITLE AGENCY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $541.80 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 8550 STERLING RD, 8550, LITCHFIELD, MI 49252-9748 |
| Name | Verified Name |
|---|---|
| Address | 7 N NORWOOD AVE, HILLSDALE, MI 49242-1510 |
| Document Number | 0018071078 |
|---|---|
| Date | Sep 28, 2021 |
| Instrument | 1807/1078 |
| Name | COUNTY NATIONAL BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2051 |
The 2025 property tax bill for 408 W Silver St was $578.
Source: Hillsdale County assessment roll, as of July 27, 2026
| 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 |
|---|---|---|---|
| 2026 | $20,600 | $38,874 Land $8,580 Building $30,294 | |
| 2025 | $578.00 | ||
| 2023 | $15,900 | $29,706 Land $7,590 Building $22,116 | |
| 2021 | $500.00 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 408 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 408 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.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures