10278 Apple Ave, Union Pier, MI 49129 Property Records

Berrien County property record for 10278 Apple Ave, Union Pier, MI 49129

Property Summary

Property Type	Single Family Home
Details	6 bd · 2.5 ba · 2,629 sqft · built 1930
Lot Size	0.26 acres (11,326 sqft)
Owner	Company Name on File
Last Sale	$560,000 (Sep 2025)
Tax Bill	$15,500 (2025)
Deeds & Mortgages	Feb 2009 Reverse Mortgage Sep 2025 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`13-2780-0043-00-8`

Property Details

APN / Parcel Number

Primary APN	`13-2780-0043-00-8`
Alternative APN	`11-13-2780-0043-00-8`

Interior

Bedrooms	6 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,629 sqft Living Area
1st Floor Area	1,554 sqft
Basement Area	1,434 sqft
Unfinished Basement	1,434 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Architectural Style	Bungalow
Exterior Material	Wood Siding
Lot Area	11,326 sqft (0.26 acres)
Lot Dimensions	160 ft deep x 70 ft wide

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	10278 APPLE AVE
City	UNION PIER
State	MI
Zip	49129-9326
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SELECTZONI
Legal Description	LOT 5 BLK E FIRST ADD TO GORDONS BEACH
Legal Subdivision	BLK E FIRST ADD
Legal Block	E
Legal Lot Number	5
Legal Unit	5
Jurisdiction	BERRIEN MI
Township / Civil Division	NEW BUFFALO
Census Block Group	2
Census Block	2015
Census Tract	11301

Owner

10278 Apple Ave is owned by a company that bought it in September 2025.

Source: Berrien County records, as of September 28, 2026

Owner of Record	Company Name on File
Mailing Address	2403 HASTINGS AVE, EVANSTON, IL 60201-1849
Owner Type	Company
Vesting	Limited Liability Partnership

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Feb 25, 2009	Deed of Trust, Mortgage · Reverse Mortgage FINANCIAL HERITAGE
Sep 23, 2025	Deed, Transfer SNG INVESTMENTS LLC
Apr 3, 2024	Sheriff's Deed, Foreclosure
Feb 27, 2007	Quit Claim Deed, Transfer · ARM WASHINGTON MUTUAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 23, 2025 · Amount on File
Deed Sale	Sep 23, 2025 · Amount on File
Prior Sale	Apr 3, 2024 · Amount on File
Deed Document Number	2025442371
Deed Book / Page	3460 / 2205
Prior Transfer Date	May 6, 2024
Prior Transfer Doc	03426/2005
Record Updated	Oct 29, 2026

February 2009: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	10278 APPLE AVE, UNION PIER, MI 49129-9326
Transaction Type	Mortgage
Record Updated	Jun 8, 2026
Title Company	PLACER TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02874/2099
Date	Feb 25, 2009
Book Page	2874/2099

Lender

Name	FINANCIAL HERITAGE
Type	Reverse Mortgage Lender
Address	SAN DIEGO, CA 92123

Agreement

Type	Reverse Mortgage
Amount	Amount on Record
Term	934 Months
Due	Dec 6, 2086

Interest

Rate Type	Adjustable Rate
Rate	3.24%
Type Change Date	May 1, 2009
Change Frequency	Monthly
Index	1-Year T-Bill
Max Rate	13.2%

September 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	BERRIEN MI
Recording Date	Sep 23, 2025
Property Address	10278 APPLE AVE, UNION PIER, MI 49129-9326
Document Number	03460/2205
Book / Page	3460 / 2205
Map Reference	MB 7 PG 46
Instrument Date	Sep 19, 2025
Instrument	2025442371
Transaction Type	Transfer
Record Updated	Oct 15, 2025
Title Company	FAITH TITLE AND ESCROW INC, FIRST TITLE & ESCROW INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 650043, DALLAS, TX 75265-0043

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2403 HASTINGS AVE, EVANSTON, IL 60201-1849

Mortgage

Document Number	0034602207
Date	Sep 23, 2025
Instrument	3460/2207

Lender

Name	SNG INVESTMENTS LLC
Type	Non-Lending Institution

Agreement

Amount	Amount on Record

April 2024: Sheriff's Deed, Foreclosure

Document Type	Sheriff's Deed
Jurisdiction	BERRIEN MI
Recording Date	Apr 3, 2024
Property Address	10278 APPLE AVE, UNION PIER, MI 49129-9326
Document Number	03423/3813
Book / Page	3423 / 3813
Map Reference	MB 7 PG 46
Instrument Date	Mar 22, 2024
Instrument	2024403200
Transaction Type	Foreclosure
Record Updated	Apr 25, 2024

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Notice of Trustee Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3900 CAPITAL CITY BLVD, LANSING, MI 48906-2147

February 2007: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BERRIEN MI
Recording Date	Feb 27, 2007
Property Address	10278 APPLE AVE, UNION PIER, MI 49129-9326
Document Number	02777/2755
Book / Page	2777 / 2755
Map Reference	MB7 PG46
Instrument Date	Jan 4, 2007
Transaction Type	Transfer
Record Updated	Jun 8, 2026

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10268 APPLE AVE, UNION PIER, MI 49129-9326

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10268 APPLE AVE, UNION PIER, MI 49129-9326

Mortgage

Document Number	0027772758
Date	Feb 27, 2007
Instrument	2777/2758

Lender

Name	WASHINGTON MUTUAL BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2037

Interest

Rate Type	Adjustable Rate
Rate	10.9%
Change Frequency	6 Months
Min Rate At Change	10.9%
Max Rate At Change	12.9%
Index	6-Month LIBOR
Max Rate	16.9%

Tax Assessment & Valuation

The 2025 property tax bill for 10278 Apple Ave was $15,500, up 290.6% from the year before.

Source: Berrien County assessment roll, as of September 28, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Berrien County
County Subdivision	New Buffalo Township
Unified School District	New Buffalo Area School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$333,200 (-12.64%)	$666,400 (-12.64%)
2025	$15,500.00 (+290.63%)	$381,400	$762,800
2024	$3,968.00
2023		$201,900	$403,800
2022	$1,314.00

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

FEMA maps place 10278 Apple Ave in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 10, 2024 · 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
Flood Insurance Cost	Premium on File median of 10 policies
Nearby Flood Policies	10 in force

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

Wildfire risk around 10278 Apple Ave is low, with 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 80% of the US · above 51% of Michigan
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	CHIKAMING TOWNSHIP serves 2,825 people · EPA ID MI0001400
Water Source	Purchased surface water from LAKE CHARTER TOWNSHIP
Last State Inspection	Jun 2025
Lead	2 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	1 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 166 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Starlink Satellite	280 / 30

May also be available: AT&T.

Cell Coverage

5G (outdoors only) and 4G LTE

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