10420 Smith Rd, Union Pier, MI 49129 Property Records

Berrien County property record for 10420 Smith Rd, Union Pier, MI 49129

Property Summary

Property Type	Single Family Home
Details	10 bd · 10 ba · 5,342 sqft · built 2021
Lot Size	0.36 acres (15,682 sqft)
Owner	Company Name on Record
Tax Bill	$49,522 (2025)
Deeds & Mortgages	May 2021 Construction Loan Jul 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`13-2850-0006-01-8`

Property Details

APN / Parcel Number

Primary APN	`13-2850-0006-01-8`
Alternative APN	`11-13-2850-0006-01-8`

Interior

Bedrooms	10 Beds
Full Baths	10 Baths
Half Baths	1 Half Bath
Building Area	5,342 sqft Living Area
1st Floor Area	3,302 sqft
Basement Area	3,302 sqft
Unfinished Basement	3,302 sqft

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Lot Area	15,682 sqft (0.36 acres)
Lot Dimensions	200 ft deep x 94 ft wide

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	10420 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 WLY1/2 OF LOT 8 & THE NELY 35' OF LOT 6 GOWDY SHORES
Legal Subdivision	GOWDY SHORES
Legal Lot Number	6,8
Legal Unit	8,6
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 shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	850 W WILLOW ST, CHICAGO, IL 60614-5067
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
May 12, 2021	Deed of Trust, Mortgage · Construction Mortgage HORIZON BANK
Jul 29, 2020	Warranty Deed, Transfer · Conventional Mortgage HORIZON BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 16, 2012
Deed Sale	May 16, 2012
Deed Book / Page	2994 / 1864
Record Updated	Oct 29, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	10420 SMITH RD, UNION PIER, MI 49129
Transaction Type	Mortgage
Record Updated	Nov 9, 2023
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	003327/372
Date	May 12, 2021
Book Page	3327/372

Lender

Name	HORIZON BANK
Type	Bank
Address	MICHIGAN CITY, IN 46360

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	371 Months
Due	Apr 1, 2052

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BERRIEN MI
Recording Date	Jul 29, 2020
Property Address	10420 SMITH RD, UNION PIER, MI 49129
Document Number	003284/716
Book / Page	3284 / 716
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 in Common
Address	551 HAMILTON AVE, WESTMONT, IL 60559-1274

Mortgage

Document Number	0003284719
Date	Jul 29, 2020
Instrument	3284/719

Lender

Name	HORIZON BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Aug 1, 2040

Interest

Rate Type	Adjustable Rate
Rate	5.5%
Adjustable	Adjustable Rate Rider
Type Change Date	Aug 1, 2025
Change Frequency	Annually
Min Rate At Change	3.75%
Max Rate At Change	7.5%
Index	1-Year CMT
Max Rate	11.5%

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		$1,333,700 (+61.48%)	$2,667,400 (+61.48%)
2025	$49,522.00 (+552.03%)
2023		$825,900	$1,651,800
2022	$7,595.00

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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