121 S Saint Joseph Ave, Niles, MI 49120 Property Records

Berrien County property record for 121 S Saint Joseph Ave, Niles, MI 49120

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,916 sqft · built 1922
Lot Size	0.112 acres (4,879 sqft)
Owner	Individual Name on File
Last Sale	$139,200 (Sep 2022)
Tax Bill	$2,647 (2025)
Deeds & Mortgages	Aug 2017 Line of Credit Sep 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`74-0990-0034-01-2`

Property Details

APN / Parcel Number

Primary APN	`74-0990-0034-01-2`
Alternative APN	`11-74-0990-0034-01-2`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Building Area	1,916 sqft Living Area
1st Floor Area	1,256 sqft
Basement Area	660 sqft
Unfinished Basement	660 sqft

Exterior

Year Built	Built 1922
Effective Year Built	Effective 1922
Lot Area	4,879 sqft (0.112 acres)
Lot Dimensions	74 ft deep x 66 ft wide

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	121 S SAINT JOSEPH AVE
City	NILES
State	MI
Zip	49120-2848
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	LDR
Legal Description	THE W 74' OF LOT 5 BLK 7 J BROOKFIELD ADD CITY OF NILES
Legal Subdivision	J BROOKFIELD ADD
Legal Block	7
Legal Lot Number	5
Legal Unit	5
Jurisdiction	BERRIEN MI
Township / Civil Division	NILES
Census Block Group	3
Census Block	3020
Census Tract	20600

Owner

121 S Saint Joseph Ave is owned and occupied by an individual who bought it in September 2022.

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

Owner of Record	Individual Name on File
Mailing Address	121 S SAINT JOSEPH AVE, NILES, MI 49120-2848
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 21, 2017	Deed of Trust, Mortgage · Line of Credit 1ST SOURCE BANK
Sep 29, 2022	Warranty Deed, Transfer · Conventional Mortgage UNITED FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 29, 2022 · Amount on File
Deed Sale	Sep 29, 2022 · Amount on File
Prior Sale	Mar 18, 2009 · Amount on File
Deed Document Number	2022363640
Deed Book / Page	3387 / 1322
Prior Transfer Date	Feb 7, 2008
Prior Transfer Doc	02829/1161
Record Updated	Oct 29, 2026

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	121 S SAINT JOSEPH AVE, NILES, MI 49120-2848
Transaction Type	Mortgage
Record Updated	Nov 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	03180/2985
Date	Aug 21, 2017
Book Page	3180/2985

Lender

Name	1ST SOURCE BANK
Type	Bank
Address	SOUTH BEND, IN 46601

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	205 Months
Due	Sep 7, 2034

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BERRIEN MI
Recording Date	Sep 29, 2022
Property Address	121 S SAINT JOSEPH AVE, NILES, MI 49120-2848
Document Number	03387/1322
Book / Page	3387 / 1322
Map Reference	VOL O PG 444
Instrument Date	Sep 16, 2022
Instrument	2022363640
Transaction Type	Transfer
Record Updated	Nov 9, 2023
Title Company	NEAR NORTH TITLE GROUP

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,046.25
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	50864 HAWTHORNE MEADOW DR, SOUTH BEND, IN 46628-1862

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	121 S STATE ST, NILES, MI 49120-2860
Investor	Possibly a Property Investor

Mortgage

Document Number	0033871324
Date	Sep 29, 2022
Instrument	3387-1324

Lender

Name	UNITED FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 121 S Saint Joseph Ave was $2,647 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		$81,600	$163,200
2025	$2,647.00
2023		$65,700	$131,400
2022	$1,251.00

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 121 S Saint Joseph Ave in Zone X, an area of minimal flood risk, though there have been 7 flood claims nearby since 1982.

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	7 (1982–2018)
Claims Outside the SFHA	2 of 7
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

Wildfire risk around 121 S Saint Joseph Ave 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	Indirect within 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 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 377 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: Mercury Fiber, Midwest Energy & Communications.

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