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10430 Smith Rd, Union Pier, MI 49129 Property Records

Berrien County property record for 10430 Smith Rd, Union Pier, MI 49129

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 2,000 sqft · built 1982
Lot Size0.89 acres (38,768 sqft)
OwnerIndividual Name on File
Last Sale$100 (Dec 2001)
Tax Bill$14,910 (2025)
Deeds & MortgagesJul 2020 Mortgage
Jun 2017 Mortgage
+ 3 more
Flood ZoneZone X (minimal risk)
APN13-2850-0001-00-8

Property Details

APN / Parcel Number

Primary APN13-2850-0001-00-8
Alternative APN
  • 11-13-2850-0001-00-8

Interior

Bedrooms3 Beds
Full Baths2 Baths
Building Area2,000 sqft Living Area
1st Floor Area1,304 sqft
Basement Area968 sqft
Unfinished Basement968 sqft

Exterior

Year BuiltBuilt 1982
Effective Year BuiltEffective 1982
Architectural StyleRustic
Lot Area38,768 sqft (0.89 acres)
Lot Dimensions198 ft deep x 195 ft wide
Garage Area696 sqft
Parking Spaces2 Parking Spaces

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C

Location & Zoning

Street Address10430 SMITH RD
CityUNION PIER
StateMI
Zip49129
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeSELECTZONI
Legal DescriptionENTIRE LOT 1 & THE NE'LY 30' OF LOTS 2 & 3 GOWDY SHORES.
Legal SubdivisionGOWDY SHORES
Legal Lot Number1-3
Legal Unit1,2
JurisdictionBERRIEN MI
Township / Civil DivisionNEW BUFFALO
Census Block Group2
Census Block2017
Census Tract11301

Owner

Source: Berrien County records · APN 13-2850-0001-00-8

Assessment roll updated June 5, 2026 · Last verified June 2026

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

Owner of RecordIndividual Name on File
Mailing Address3727 N PAULINA ST, CHICAGO, IL 60613-3625
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jul 06, 2020Deed of Trust, Mortgage · Conventional Mortgage
A & N MORTGAGE SERVICES INC
Jun 23, 2017Deed of Trust, Mortgage · Conventional Mortgage
GUARANTEED RATE INC
Jul 17, 2018Deed of Trust, Mortgage · Conventional Mortgage
LOANDEPOT.COM LLC
May 14, 2019Deed of Trust, Mortgage · Conventional Mortgage
LOANDEPOT.COM LLC
Jul 23, 2018Warranty Deed, Transfer
FIRST AMERICAN TITLE

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleDec 07, 2001 · Amount on Record
Deed SaleDec 07, 2001 · Amount on Record
Prior SaleApr 06, 1998 · Amount on Record
Deed Book / Page2203 / 2447
Record UpdatedSep 20, 2026

July 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionBERRIEN MI
Property Address10430 SMITH RD, UNION PIER, MI 49129
Transaction TypeMortgage
Record UpdatedNov 09, 2023

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number03280/3311
DateJul 06, 2020
Book Page3280/3311
Lender
NameA & N MORTGAGE SERVICES INC
TypeMortgage Company
AddressCHICAGO, IL 60642
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueJul 01, 2050

June 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionBERRIEN MI
Property Address10430 SMITH RD, UNION PIER, MI 49129
Transaction TypeMortgage
Record UpdatedNov 09, 2023
Title CompanyE-CHICAGO TITLE, CHICAGO TITLE

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number03175/2122
DateJun 23, 2017
Book Page3175/2122
Lender
NameGUARANTEED RATE INC
TypeNon-Lending Institution
AddressCHICAGO, IL 60613
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueJul 01, 2047

July 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionBERRIEN MI
Property Address10430 SMITH RD, UNION PIER, MI 49129
Transaction TypeMortgage
Record UpdatedNov 09, 2023
Title CompanyFIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number03211/1783
DateJul 17, 2018
Book Page3211/1783
Lender
NameLOANDEPOT.COM LLC
TypeMortgage Company
AddressFOOTHILL RANCH, CA 92610
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueAug 01, 2048

May 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionBERRIEN MI
Property Address10430 SMITH RD, UNION PIER, MI 49129
Transaction TypeMortgage
Record UpdatedNov 09, 2023
Title CompanyN TITLE COMPANY, SNP TITLE CO

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number03237/0806
DateMay 14, 2019
Book Page3237/0806
Lender
NameLOANDEPOT.COM LLC
TypeMortgage Company
AddressFOOTHILL RANCH, CA 92610
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueJun 01, 2049

July 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBERRIEN MI
Recording DateJul 23, 2018
Property Address10430 SMITH RD, UNION PIER, MI 49129
Document Number03212/0631
Book / Page3212 / 0631
Map ReferenceLB9 PG32
Instrument DateJul 13, 2018
Transaction TypeTransfer
Record UpdatedNov 09, 2023
Title CompanyFIRST AMERICAN TITLE

Transaction

Tax$0.00
Amount AccuracyTransfer Tax Exempt
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address00000

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants by the Entirety
Address3727 N PAULINA ST, CHICAGO, IL 60613-3625

Tax Assessment & Valuation

Source: Berrien County records · Assessment roll updated June 5, 2026 · Last verified June 2026

Property Jurisdictions

TypeName
StateMichigan
CountyBerrien County
County SubdivisionNew Buffalo Township
Unified School DistrictNew Buffalo Area School District (KG - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2026$597,600 (+36.63%)$1,195,200 (+36.63%)
2025$14,910.00 (+13.35%)
2023$437,400$874,800
2022$13,154.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Berrien County (26021C), as of September 10, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 260210113012, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 10 policies
Nearby Flood Policies10 in force

Wildfire

Wildfire RiskLow
lower than 80% of the US · above 51% of Michigan
Wildfire Likelihood0.01% annual chance
ExposureDirect
burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

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

May also be available: AT&T.

Based on FCC filings for 166 locations within half a mile of this property.

Cell Coverage

5G (outdoors only) and 4G LTE

Drinking Water

Source: EPA Safe Drinking Water Information System, water system MI0001400, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water SystemCHIKAMING TOWNSHIP
serves 2,825 people
Water SourcePurchased surface water from LAKE CHARTER TOWNSHIP
Last State InspectionJun 2025
Lead2 ppb (2022–2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
last 3 years

Results are for the whole water system as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.

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