1106 Howard St, Niles, MI 49120 Property Records

Berrien County property record for 1106 Howard St, Niles, MI 49120

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 988 sqft · built 1938
Lot Size	0.139 acres (6,055 sqft)
Owner	Individual Name on File
Last Sale	$64,900 (Oct 2018)
Tax Bill	$40 (2025)
Deeds & Mortgages	May 2026 Mortgage Jan 2024 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`72-0850-0205-01-7`

Property Details

APN / Parcel Number

Primary APN	`72-0850-0205-01-7`
Alternative APN	`11-72-0850-0205-01-7`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	988 sqft Living Area
1st Floor Area	988 sqft
Basement Area	988 sqft
Unfinished Basement	988 sqft

Exterior

Year Built	Built 1938
Effective Year Built	Effective 1938
Lot Area	6,055 sqft (0.139 acres)
Lot Dimensions	138 ft deep x 44 ft wide
Garage Area	312 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Baseboard
Heating Fuel	Electric

Location & Zoning

Street Address	1106 HOWARD ST
City	NILES
State	MI
Zip	49120-2522
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	LDR
Legal Description	THE W 22'OF LOT 205 & E 22' OF LOT 206 JACOB BEESONS SECOND ADD TO NILES
Legal Subdivision	JACOB BEESONS SECOND ADD
Legal Lot Number	205-206
Jurisdiction	BERRIEN MI
Township / Civil Division	NILES
Census Block Group	2
Census Block	2009
Census Tract	20900

Owner

1106 Howard St is owned and occupied by an individual who bought it in October 2018.

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

Owner of Record	Individual Name on File
Mailing Address	1106 HOWARD ST, NILES, MI 49120-2522
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
May 18, 2026	Deed of Trust, Mortgage · VA Mortgage GREEN LENDING
Jan 23, 2024	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Aug 31, 2020	Deed of Trust, Mortgage · VA Mortgage THE HUNTINGTON NATIONAL BANK
Oct 28, 2022	Deed of Trust, Mortgage · VA Mortgage NEW DAY FINANCIAL LLC
Oct 23, 2018	Warranty Deed, Transfer · VA Mortgage THE HUNTINGTON NATIONAL BANK
Aug 16, 2018	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 23, 2018 · Amount on File
Deed Sale	Oct 23, 2018 · Amount on File
Prior Sale	Oct 23, 2018 · Amount on File
Deed Book / Page	3220 / 1901
Transfer Doc	03214/1104
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Recording Date	May 18, 2026
Property Address	1106 HOWARD ST, NILES, MI 49120-2522
Document Number	0000461037
Book / Page	3477 / 2779
Instrument Date	Apr 6, 2026
Instrument	2026461037
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1106 HOWARD ST, NILES, MI 49120-2522

Mortgage

Document Number	0000461037,
Date	May 18, 2026
Book Page	3477/2779
Instrument	2026461037

Lender

Name	GREEN LENDING

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate	6%
Max Rate	-1%

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	1106 HOWARD ST, NILES, MI 49120-2522
Transaction Type	Mortgage
Record Updated	Feb 7, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1106 HOWARD ST, NILES, MI 49120-2522

Mortgage

Document Number	03419/2356
Date	Jan 23, 2024
Book Page	3419/2356
Instrument	2024396777

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2054

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	1106 HOWARD ST, NILES, MI 49120-2522
Transaction Type	Mortgage
Record Updated	Nov 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	03288/2496
Date	Aug 31, 2020
Book Page	3288/2496

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43235

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2050

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	1106 HOWARD ST, NILES, MI 49120-2522
Transaction Type	Mortgage
Record Updated	Nov 9, 2023
Title Company	NOT AVAILABLE, AMERICAS SETTLEMENT COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1106 HOWARD ST, NILES, MI 49120-2522

Mortgage

Document Number	03390/1090
Date	Oct 28, 2022
Book Page	3390/1090
Instrument	2022365870

Lender

Name	NEW DAY FINANCIAL LLC
Type	Mortgage Company
Address	FULTON, MD 20759

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2052

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BERRIEN MI
Recording Date	Oct 23, 2018
Property Address	1106 HOWARD ST, NILES, MI 49120-2522
Document Number	03220/1901
Book / Page	3220 / 1901
Map Reference	LB L PG88
Instrument Date	Oct 23, 2018
Transaction Type	Transfer
Record Updated	Nov 9, 2023
Title Company	MERIDIAN TITLE, MERIDIAN TITLE CORP

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$559.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1106 HOWARD ST, NILES, MI 49120-2522

Mortgage

Document Number	0032201904
Date	Oct 23, 2018
Instrument	3220/1904

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2048

August 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BERRIEN MI
Recording Date	Aug 16, 2018
Property Address	1106 HOWARD ST, NILES, MI 49120-2522
Document Number	03214/1104
Book / Page	3214 / 1104
Map Reference	LB L PG88
Instrument Date	Aug 14, 2018
Transaction Type	Transfer
Record Updated	Nov 9, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	323 W 33RD ST, HOLLAND, MI 49423-4605

Tax Assessment & Valuation

The 2025 property tax bill for 1106 Howard St was $40 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		$56,800 (+6.57%)	$113,600 (+6.57%)
2025	$40.00 Homeowner's exemption	$53,300	$106,600
2024	$40.00
2023		$34,700	$69,400
2022	$30.00

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

Flood

FEMA maps place 1106 Howard St in Zone X, an area of minimal flood risk.

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

FEMA Flood Zone	Zone X minimal risk
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 1106 Howard 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	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 577 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20
Mercury Fiber Fixed Wireless	150 / 20

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

Nearby Properties on Howard St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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