1201 Cedar St, Niles, MI 49120 Property Records

Berrien County property record for 1201 Cedar St, Niles, MI 49120

Property Summary

Property Type	Single Family Home
Details	5 bd · 2.5 ba · 1,694 sqft · built 1912
Lot Size	0.126 acres (5,489 sqft)
Owner	Individual Name on File
Last Sale	$209,000 (Nov 2022)
Tax Bill	$3,723 (2025)
Deeds & Mortgages	Aug 2020 Line of Credit Nov 2022 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`72-0840-0089-00-1`

Property Details

APN / Parcel Number

Primary APN	`72-0840-0089-00-1`
Alternative APN	`11-72-0840-0089-00-1`

Interior

Bedrooms	5 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	1,694 sqft Living Area
1st Floor Area	968 sqft
Basement Area	968 sqft
Unfinished Basement	968 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1912
Effective Year Built	Effective 1912
Lot Area	5,489 sqft (0.126 acres)
Lot Dimensions	90 ft deep x 61 ft wide
Garage Area	360 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1201 CEDAR ST
City	NILES
State	MI
Zip	49120-2635
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	LDR
Legal Description	PT OF LOT 89 JACOB BEESON'S ADD TO NILES COM AT SW COR LOT 89 TH N 90'E 61'S 90'W 61'TO BEG
Legal Subdivision	JACOB BEESONS ADD
Legal Lot Number	89
Legal Unit	89,89
Jurisdiction	BERRIEN MI
Township / Civil Division	NILES
Census Block Group	2
Census Block	2025
Census Tract	20900

Owner

1201 Cedar St is owned and occupied by an individual who bought it in November 2022.

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

Owner of Record	Individual Name on File
Mailing Address	1201 CEDAR ST, NILES, MI 49120-2635
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
Aug 31, 2020	Deed of Trust, Mortgage · Line of Credit UNITED FCU
Nov 16, 2022	Deed of Trust, Mortgage · Line of Credit UNITED FCU
Nov 23, 2022	Warranty Deed, Transfer · Conventional Mortgage RUOFF MORTGAGE COMPANY INC
Apr 17, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 23, 2022 · Amount on File
Deed Sale	Nov 23, 2022 · Amount on File
Prior Sale	Apr 30, 2010 · Amount on File
Deed Document Number	2022367867
Deed Book / Page	3393 / 105
Prior Transfer Date	Apr 12, 2017
Prior Transfer Doc	03169/1281
Record Updated	Oct 29, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	1201 CEDAR ST, NILES, MI 49120-2635
Transaction Type	Mortgage
Record Updated	Nov 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	03288/2993
Date	Aug 31, 2020
Book Page	3288/2993

Lender

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

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Aug 25, 2030

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	1201 CEDAR ST, NILES, MI 49120-2635
Transaction Type	Mortgage
Record Updated	Nov 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	03392/1458
Date	Nov 16, 2022
Book Page	3392/1458
Instrument	2022367407

Lender

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

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	117 Months
Due	Aug 25, 2032

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BERRIEN MI
Recording Date	Nov 23, 2022
Property Address	1201 CEDAR ST, NILES, MI 49120-2635
Document Number	003393/105
Book / Page	3393 / 105
Map Reference	LB E PG 468
Instrument Date	Nov 17, 2022
Instrument	2022367867
Transaction Type	Transfer
Record Updated	Nov 9, 2023
Title Company	CHICAGO TITLE/MI, CHICAGO TITLE OF MI INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,567.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1201 CEDAR ST, NILES, MI 49120-2635

Mortgage

Document Number	0033930108
Date	Nov 23, 2022
Instrument	3393-0108

Lender

Name	RUOFF MORTGAGE COMPANY INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Dec 1, 2037

April 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BERRIEN MI
Recording Date	Apr 17, 2017
Property Address	1201 CEDAR ST, NILES, MI 49120-2635
Document Number	03169/1281
Book / Page	3169 / 1281
Map Reference	VOL E PG468
Instrument Date	Apr 12, 2017
Transaction Type	Transfer
Record Updated	Nov 9, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	313 1/2 E MAIN ST, NILES, MI 49120-2375

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1201 CEDAR ST, NILES, MI 49120-2635

Tax Assessment & Valuation

The 2025 property tax bill for 1201 Cedar St was $3,723 with a homeowner's exemption, up 2.4% from the year before.

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		$132,800 (+6.67%)	$265,600 (+6.67%)
2025	$3,723.00 (+2.42%) Homeowner's exemption	$124,500	$249,000
2024	$3,635.00
2023		$92,800	$185,600
2022	$1,473.00

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

FEMA maps place 1201 Cedar 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 1201 Cedar St is low, with less than 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 95% of the US · lower than 89% of Michigan
Wildfire Likelihood	Under 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.

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