Berrien County property record for 122 S Saint Joseph Ave, Niles, MI 49120
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1.5 ba · 2,506 sqft · built 1910 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | Individual Name on File |
| Last Sale | $95,000 (Dec 2012) |
| Tax Bill | $1,877 (2025) |
| Deeds & Mortgages | Sep 2025 Mortgage Sep 2021 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 74-0990-0055-00-1 |
| Primary APN | 74-0990-0055-00-1 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 2,506 sqft Living Area |
| 1st Floor Area | 1,600 sqft |
| Basement Area | 1,600 sqft |
| Unfinished Basement | 1,600 sqft |
| Year Built | Built 1910 |
|---|---|
| Effective Year Built | Effective 1910 |
| Lot Area | 8,712 sqft (0.2 acres) |
| Lot Dimensions | 132 ft deep x 66 ft wide |
| Garage Area | 216 sqft |
| Parking Spaces | 1 Parking Space |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 122 S SAINT JOSEPH AVE |
|---|---|
| City | NILES |
| State | MI |
| Zip | 49120-2849 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | LDR |
| Legal Description | LOT 4 BLK 10 J BROOKFIELD ADD CITY OF NILES |
| Legal Subdivision | J BROOKFIELD ADD |
| Legal Block | 10 |
| Legal Lot Number | 4 |
| Legal Unit | 4 |
| Jurisdiction | BERRIEN MI |
| Township / Civil Division | NILES |
| Census Block Group | 3 |
| Census Block | 3022 |
| Census Tract | 20600 |
122 S Saint Joseph Ave is owned and occupied by an individual who bought it in December 2012.
Source: Berrien County records, as of September 28, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 122 S SAINT JOSEPH AVE, NILES, MI 49120-2849 |
| 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.
| Date | Document |
|---|---|
| Sep 15, 2025 | Deed of Trust, Mortgage · Conventional Mortgage EVERWISE CU |
| Sep 30, 2021 | Deed of Trust, Mortgage · Line of Credit TEACHERS CREDIT UNION46601 |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 18, 2012 · Amount on File |
| Deed Sale | Dec 18, 2012 · Amount on File |
| Prior Sale | Feb 16, 1993 · Amount on File |
| Deed Book / Page | 3019 / 2344 |
| Prior Transfer Date | Apr 2, 2012 |
| Prior Transfer Doc | 02990/3000 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERRIEN MI |
| Property Address | 122 S SAINT JOSEPH AVE, NILES, MI 49120-2849 |
| Transaction Type | Mortgage |
| Record Updated | Oct 7, 2025 |
| Name | Verified Name |
|---|---|
| Address | 122 S SAINT JOSEPH AVE, NILES, MI 49120-2849 |
| Document Number | 03459/4185 |
|---|---|
| Date | Sep 15, 2025 |
| Book Page | 3459/4185 |
| Instrument | 2025441710 |
| Name | EVERWISE CU |
|---|---|
| Type | Credit Union |
| Address | SOUTH BEND, IN 46601 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Oct 2, 2045 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERRIEN MI |
| Property Address | 122 S SAINT JOSEPH AVE, NILES, MI 49120-2849 |
| Transaction Type | Mortgage |
| Record Updated | Nov 9, 2023 |
| Name | Verified Name |
|---|---|
| Address | 122 S SAINT JOSEPH AVE, NILES, MI 49120-2849 |
| Document Number | 03346/2374 |
|---|---|
| Date | Sep 30, 2021 |
| Book Page | 3346/2374 |
| Name | TEACHERS CREDIT UNION46601 |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Sep 30, 2041 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 122 S Saint Joseph Ave was $1,877 with a homeowner's exemption.
Source: Berrien County assessment roll, as of September 28, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Berrien County |
| Municipality | Niles City |
| Unified School District | Niles Community School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $99,200 | $198,400 | |
| 2025 | $1,877.00 | ||
| 2023 | $79,200 | $158,400 | |
| 2022 | $1,676.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 122 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 risk around 122 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.
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 |
| 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.
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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