107 S 3rd St, Niles, MI 49120 Property Records

Berrien County property record for 107 S 3rd St, Niles, MI 49120

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 4,084 sqft · built 1923
Lot Size	0.179 acres (7,797 sqft)
Owner	Individual Name on File
Last Sale	$46,700 (Nov 1992)
Tax Bill	$1,706 (2025)
Deeds & Mortgages	Nov 2023 Mortgage Apr 2018 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`73-2700-0038-00-8`

Property Details

APN / Parcel Number

Primary APN	`73-2700-0038-00-8`
Alternative APN	`11-73-2700-0038-00-8`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Building Area	4,084 sqft Living Area
1st Floor Area	2,266 sqft
Basement Area	1,882 sqft
Unfinished Basement	1,882 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1923
Effective Year Built	Effective 1923
Lot Area	7,797 sqft (0.179 acres)
Lot Dimensions	118 ft deep x 66 ft wide

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	107 S 3RD ST
City	NILES
State	MI
Zip	49120-3227
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	LDR
Legal Description	LOT 38 H B & G W HOFFMAN & C K GREEN ADD TO NILES
Legal Subdivision	H B & G W HOFFMAN & C K GREEN ADD
Legal Lot Number	38
Legal Unit	38
Jurisdiction	BERRIEN MI
Township / Civil Division	NILES
Census Block Group	1
Census Block	1015
Census Tract	20700

Owner

107 S 3rd St is owned and occupied by an individual who bought it in November 1992.

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

Owner of Record	Individual Name on File
Mailing Address	107 S 3RD ST, NILES, MI 49120-3227
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Nov 6, 2023	Deed of Trust, Mortgage · FHA Mortgage LOANDEPOT.COM LLC
Apr 23, 2018	Deed of Trust, Mortgage · Conventional Mortgage ROYAL UNITED MORTGAGE LLC
Feb 8, 2017	Deed of Trust, Mortgage · Conventional Mortgage HOWARD BANK
Feb 18, 2021	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 6, 1992 · Amount on File
Deed Sale	Nov 6, 1992 · Amount on File
Prior Sale	Jan 22, 1989 · Amount on File
Deed Book / Page	1543 / 312
Record Updated	Oct 29, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	107 S 3RD ST, NILES, MI 49120-3227
Transaction Type	Mortgage
Record Updated	Nov 24, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	107 S 3RD ST, NILES, MI 49120-3227

Mortgage

Document Number	03415/1752
Date	Nov 6, 2023
Book Page	3415/1752
Instrument	2023392400

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	IRVINE, CA 92618

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2053

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	107 S 3RD ST, NILES, MI 49120-3227
Transaction Type	Mortgage
Record Updated	Nov 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	03203/1589
Date	Apr 23, 2018
Book Page	3203/1589

Lender

Name	ROYAL UNITED MORTGAGE LLC
Type	Mortgage Company
Address	INDIANAPOLIS, IN 46250

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	May 1, 2033

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	107 S 3RD ST, NILES, MI 49120-3227
Transaction Type	Mortgage
Record Updated	Nov 9, 2023
Title Company	RESOURCE R/E SERVICES, RESOURCE REAL ESTATE SERVICE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	03162/2863
Date	Feb 8, 2017
Book Page	3162/2863

Lender

Name	HOWARD BANK
Type	Bank
Address	ELLICOTT CITY, MD 21043

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2047

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	107 S 3RD ST, NILES, MI 49120-3227
Transaction Type	Mortgage
Record Updated	Nov 9, 2023
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	03314/1001
Date	Feb 18, 2021
Book Page	3314/1001

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 107 S 3rd St was $1,706 with a homeowner's exemption.

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		$156,800	$313,600
2025	$1,706.00
2023		$114,800	$229,600
2022	$1,524.00

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

Flood

FEMA maps place 107 S 3rd St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective September 10, 2024

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

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 107 S 3rd St is low, with a 0.01% annual chance of 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	NILES TOWNSHIP serves 2,270 people · EPA ID MI0004750
Water Source	Groundwater
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	Lead service line inventory Oct 2024
Monitoring and Reporting	30 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 515 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 S 3rd St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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