105 E Main St, Niles, MI 49120 Property Records

Berrien County property record for 105 E Main St, Niles, MI 49120

Property Summary

Property Type	Retail Stores (Personal Services, Photography, Travel)
Details	5,880 sqft
Lot Size	0.045 acres (1,960 sqft)
Owner	Company Name on Record
Last Sale	$320,000 (Oct 2022)
Tax Bill	$9,403 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Mar 2009 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`72-3920-0001-03-0`

Property Details

APN / Parcel Number

Primary APN	`72-3920-0001-03-0`
Alternative APN	`11-72-3920-0001-03-0`

Interior

Units	2 Units
Stories	3 Stories
Building Area	5,880 sqft Total Area

Exterior

Fire Resistance	Masonry Walls, Wood Interior
Lot Area	1,960 sqft (0.045 acres)
Lot Dimensions	98 ft deep x 20 ft wide

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	105 E MAIN ST
City	NILES
State	MI
Zip	49120-2224
Property Category	Commercial
Property Type	Commercial > Retail > Retail Stores (Personal Services, Photography, Travel)
Local Zoning Code	CB
Legal Description	PART OF LOT 1 WILLIAM JUSTICE PLAT CITY OF NILES COM 46'E OF SW COR OF SAID LOT 1 TH E 20' N 98' W 20' S 98'TO BEG
Legal Subdivision	PLAT OF WILLIAM JUSTICE ADDITION
Legal Lot Number	1
Legal Unit	1,1
Jurisdiction	BERRIEN MI
Township / Civil Division	NILES
Census Block Group	3
Census Block	3022
Census Tract	20500

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Niles Downtown Historic District listed 2007 · 74 contributing resources · NRIS 07000568

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

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	816 TOTOMEE LN, NILES, MI 49120-3043
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Feb 16, 2021	Deed of Trust, Mortgage · Commercial Mortgage HONOR CU
Mar 31, 2009	Deed of Trust, Mortgage · Line of Credit UNITED FCU
May 24, 2006	Deed of Trust, Mortgage · Commercial Mortgage UNITED FCU
Oct 31, 2022	Warranty Deed, Transfer · Line of Credit FARMERS STATE BANK
Feb 20, 2020	Warranty Deed, Transfer · Commercial Mortgage HONOR CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 31, 2022 · Amount on Record
Deed Sale	Oct 31, 2022 · Amount on Record
Prior Sale	Feb 20, 2020 · Amount on Record
Deed Document Number	2022365964
Deed Book / Page	3390 / 1468
Prior Transfer Date	Jul 12, 2003
Prior Transfer Doc	2411002703
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	105 E MAIN ST, NILES, MI 49120-2224
Transaction Type	Mortgage
Record Updated	Jun 5, 2026
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	03313/2318
Date	Feb 16, 2021
Book Page	3313/2318

Lender

Name	HONOR CU
Type	Credit Union
Address	BERRIEN SPRINGS, MI 49103

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

March 2009: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	105 E MAIN ST, NILES, MI 49120-2224
Transaction Type	Mortgage
Record Updated	Jun 5, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02878/1261
Date	Mar 31, 2009
Book Page	2878/1261

Lender

Name	UNITED FCU
Type	Credit Union
Address	SAINT JOSEPH, MI 49085

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	Mar 17, 2014

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	105 E MAIN ST, NILES, MI 49120-2224
Transaction Type	Mortgage
Record Updated	Jun 5, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02713/1306
Date	May 24, 2006
Book Page	2713/1306

Lender

Name	UNITED FCU
Type	Credit Union
Address	808 E FRONT ST, BUCHANAN, MI 49107

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	37 Months
Due	Jun 1, 2009

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BERRIEN MI
Recording Date	Oct 31, 2022
Property Address	105 E MAIN ST, NILES, MI 49120-2224
Document Number	03390/1468
Book / Page	3390 / 1468
Map Reference	VOL C PG 628
Instrument Date	Oct 14, 2022
Instrument	2022365964
Transaction Type	Transfer
Record Updated	Jun 5, 2026
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,400.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	816 TOTOMEE LN, NILES, MI 49120-3043

Mortgage

Document Number	0033901470
Date	Oct 31, 2022
Instrument	3390-1470

Lender

Name	FARMERS STATE BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	248 Months
Due	Jun 14, 2043

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BERRIEN MI
Recording Date	Feb 20, 2020
Property Address	105 E MAIN ST, NILES, MI 49120-2224
Document Number	03265/2297
Book / Page	3265 / 2297
Map Reference	VOL C PG 628
Instrument Date	Feb 14, 2020
Transaction Type	Transfer
Record Updated	Jun 5, 2026
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$989.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	2000 WALTON CREEK LN, NILES, MI 49120-8993

Mortgage

Document Number	0032652299
Date	Feb 20, 2020
Instrument	3265/2299

Lender

Name	HONOR CU
Type	Credit Union

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Michigan
County	Berrien County
Municipality	Niles City
Unified School District	Niles Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$197,100 (+24.98%)	$394,200 (+24.98%)
2025	$9,403.00 (+187.47%)
2023		$157,700	$315,400
2022	$3,271.00

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

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (2018)
Most Recent Claim	Feb 2018 · river or lake flooding

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	None beyond ember reach

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	NILES serves 14,215 people · EPA ID MI0004740
Water Source	Groundwater
Last State Inspection	Jun 2024
Lead	2 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 317 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20
Mercury Fiber Fixed Wireless	150 / 20

May also be available: AT&T, Midwest Energy & Communications, T-Mobile.

Nearby Properties on E Main St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures