10292 Smith Rd, Union Pier, MI 49129 Property Records

Berrien County property record for 10292 Smith Rd, Union Pier, MI 49129

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,112 sqft · built 2013
Lot Size	0.26 acres (11,326 sqft)
Owner	Company Name on Record
Tax Bill	$6,850 (2025)
Deeds & Mortgages	Sep 2020 Mortgage Dec 2022 Transfer
Flood Zone	Zone X (minimal risk)
APN	`13-2850-0017-01-0`

Property Details

APN / Parcel Number

Primary APN	`13-2850-0017-01-0`
Alternative APN	`11-13-2850-0017-01-0`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,112 sqft Living Area
1st Floor Area	1,056 sqft

Exterior

Year Built	Built 2013
Effective Year Built	Effective 2013
Architectural Style	Colonial
Lot Area	11,326 sqft (0.26 acres)
Lot Dimensions	145 ft deep x 78 ft wide

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	10292 SMITH RD
City	UNION PIER
State	MI
Zip	49129-9457
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SELECTZONI
Legal Description	THE NR'LY 105' OF THE ER'LY 80' OF LOT 17 GOWDY SHORES
Legal Subdivision	GOWDY SHORES
Legal Lot Number	17
Legal Unit	17
Jurisdiction	BERRIEN MI
Township / Civil Division	NEW BUFFALO
Census Block Group	2
Census Block	2014
Census Tract	11301

Owner

Source: Berrien County records, as of June 5, 2026

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

Owner of Record	Company Name on Record
Mailing Address	10292 SMITH RD, UNION PIER, MI 49129-9457
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Sep 21, 2020	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE INC
Dec 16, 2022	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 3, 2014
Deed Sale	Oct 3, 2014
Prior Sale	Jan 28, 1995 · Amount on Record
Deed Book / Page	3083 / 2729
Last Transfer Date	Dec 16, 2022
Transfer Doc	0003395/53
Record Updated	Sep 20, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	10292 SMITH RD, UNION PIER, MI 49129-9457
Transaction Type	Mortgage
Record Updated	Nov 9, 2023
Title Company	RAVENSWOOD TITLE COMPANY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	03291/1813
Date	Sep 21, 2020
Book Page	3291/1813

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2050

December 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BERRIEN MI
Recording Date	Dec 16, 2022
Property Address	10292 SMITH RD, UNION PIER, MI 49129-9457
Document Number	0003395/53
Book / Page	3395 / 53
Map Reference	LB 9 PG 32
Instrument Date	Dec 15, 2022
Instrument	2022369474
Transaction Type	Transfer
Record Updated	Nov 9, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1356 SOMERSET AVE, DEERFIELD, IL 60015-2720

Tax Assessment & Valuation

Source: Berrien County assessment roll, as of June 5, 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		$467,600 (+3.75%)	$935,200 (+3.75%)
2025	$6,850.00 (+2.87%) Homeowner's exemption	$450,700 (+45.34%)	$901,400 (+45.34%)
2024	$6,659.00 (-29.96%)
2023		$310,100	$620,200
2022	$9,507.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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 Record 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

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 131 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Starlink Satellite	280 / 30

May also be available: AT&T.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Smith Rd

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