10400 Smith Rd, Union Pier, MI 49129 Property Records

Berrien County property record for 10400 Smith Rd, Union Pier, MI 49129

Property Summary

Property Type	Single Family Home
Details	7 bd · 5 ba · 3,040 sqft · built 1914
Lot Size	0.36 acres (15,682 sqft)
Owner	Individual Name on Record
Tax Bill	$30,687 (2025)
Deeds & Mortgages	Apr 2023 Mortgage Feb 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`13-2850-0006-02-6`

Property Details

APN / Parcel Number

Primary APN	`13-2850-0006-02-6`
Alternative APN	`11-13-2850-0006-02-6`

Interior

Bedrooms	7 Beds
Full Baths	5 Baths
Stories	2 Stories
Building Area	3,040 sqft Living Area
1st Floor Area	1,900 sqft
Basement Area	1,140 sqft
Unfinished Basement	1,140 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1914
Effective Year Built	Effective 1914
Architectural Style	Colonial
Lot Area	15,682 sqft (0.36 acres)
Lot Dimensions	198 ft deep x 91 ft wide
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	10400 SMITH RD
City	UNION PIER
State	MI
Zip	49129
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SELECTZONI
Legal Description	THE ELY1/2 OF LOT 8 & THE NELY 35' OF LOT 7 GOWDY SHORES
Legal Subdivision	GOWDY SHOES
Legal Lot Number	7-8
Legal Unit	8,7
Jurisdiction	BERRIEN MI
Township / Civil Division	NEW BUFFALO
Census Block Group	2
Census Block	2017
Census Tract	11301

Owner

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

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

Owner of Record	Individual Name on Record
Mailing Address	1502 N SEDGWICK ST, 3N, CHICAGO, IL 60610-2999
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 12, 2023	Warranty Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA
Feb 7, 2022	Deed, Transfer · Conventional Mortgage INVESTOR MORTGAGE FINANCE LLC
Jul 28, 2020	Warranty Deed, Transfer · Conventional Mortgage QUICKEN LOANS LLC
Jun 12, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 5, 2007
Deed Sale	Jun 5, 2007
Prior Sale	Nov 27, 2006
Deed Book / Page	2794 / 727
Last Transfer Date	May 31, 2017
Transfer Doc	03174/1968
Record Updated	Oct 29, 2026

April 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BERRIEN MI
Recording Date	Apr 12, 2023
Property Address	10400 SMITH RD, UNION PIER, MI 49129
Document Number	003402/656
Book / Page	3402 / 656
Map Reference	VOL 9 PG 32
Instrument Date	Apr 5, 2023
Instrument	2023378560
Transaction Type	Transfer
Record Updated	Nov 9, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	551 HAMILTON AVE, WESTMONT, IL 60559-1274

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1502 N SEDGWICK ST UNIT 3N, 3N, CHICAGO, IL 60610-2999

Mortgage

Document Number	2023378561
Date	Apr 12, 2023
Instrument	2023378561

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	5.87%
Adjustable	Adjustable Rate Rider
Type Change Date	May 1, 2030
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	10.8%
Index	Other
Max Rate	10.8%

February 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	BERRIEN MI
Recording Date	Feb 7, 2022
Property Address	10400 SMITH RD, UNION PIER, MI 49129
Document Number	03362/3303
Book / Page	3362 / 3303
Map Reference	LB 9 PG 32
Instrument Date	Jan 28, 2022
Instrument	2022342589
Transaction Type	Transfer
Record Updated	Nov 9, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10400 SMITH RD, UNION PIER, MI 49129

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10400 SMITH RD, UNION PIER, MI 49129

Mortgage

Document Number	0033623307
Date	Feb 7, 2022
Instrument	3362/3307

Lender

Name	INVESTOR MORTGAGE FINANCE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2052

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BERRIEN MI
Recording Date	Jul 28, 2020
Property Address	10400 SMITH RD, UNION PIER, MI 49129
Document Number	003284/409
Book / Page	3284 / 409
Map Reference	LB 9 PG 32
Instrument Date	Jul 24, 2020
Transaction Type	Transfer
Record Updated	Nov 9, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	540 DALEWOOD LN, HINSDALE, IL 60521-4731

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	551 HAMILTON AVE, WESTMONT, IL 60559-1274

Mortgage

Document Number	0003284412
Date	Jul 28, 2020
Instrument	3284/412

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	3.37%
Adjustable	Adjustable Rate Rider
Type Change Date	Aug 1, 2030
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	8.37%
Index	1-Year LIBOR
Max Rate	8.37%

June 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BERRIEN MI
Recording Date	Jun 12, 2017
Property Address	10400 SMITH RD, UNION PIER, MI 49129
Document Number	03174/1968
Book / Page	3174 / 1968
Instrument Date	May 31, 2017
Transaction Type	Transfer
Record Updated	Nov 9, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10400 SMITH RD, UNION PIER, MI 49129

Tax Assessment & Valuation

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		$835,300 (+3.15%)	$1,670,600 (+3.15%)
2025	$30,687.00 (+2.99%)	$809,800 (+39.4%)	$1,619,600 (+39.4%)
2024	$29,797.00 (+40.82%)
2023		$580,900	$1,161,800
2022	$21,160.00

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	Direct burnable vegetation

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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