1225 Thomson Rd, Niles, MI 49120 Property Records

Cass County property record for 1225 Thomson Rd, Niles, MI 49120

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,327 sqft · built 1930
Lot Size	0.86 acres (37,462 sqft)
Owner	Individual Name on Record
Last Sale	$132,000 (Oct 2020)
Tax Bill	$1,314 (2025)
Deeds & Mortgages	May 2026 Mortgage Sep 2025 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`14-020-019-056-01`

Property Details

APN / Parcel Number

Primary APN	`14-020-019-056-01`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Building Area	1,327 sqft Building Perimeter
1st Floor Area	1,327 sqft
Basement Area	651 sqft
Unfinished Basement	651 sqft

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Lot Area	37,462 sqft (0.86 acres)
Garage Area	432 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	1225 THOMSON RD
City	NILES
State	MI
Zip	49120-1314
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	252G SEC 19 T7S R16W COM ON E SIDE OF HWY AT PT 626.6 FT W & 675 FT N OF SE COR OF W 3/4 SE 1/4 SEC 19 TH N 75 FT TH E 298.94
Legal Range	16W
Legal Township	07S
Legal Section	19
Jurisdiction	CASS MI
Township / Civil Division	HOWARD
Census Block Group	4
Census Block	4007
Census Tract	1500

Owner

Source: Cass County records, as of October 1, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	1225 THOMSON RD, NILES, MI 49120-1314
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 21, 2026	Deed of Trust, Mortgage · VA Mortgage INDEPENDENT HOME LOANS
Sep 4, 2025	Deed of Trust, Mortgage · VA Mortgage INDEPENDENCE HOME LOANS LLC
Aug 22, 2022	Deed of Trust, Mortgage · VA Mortgage NEW DAY FINANCIAL LLC
Sep 15, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOW VA RATES LLC
Oct 14, 2020	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Dec 18, 2017	Warranty Deed, Transfer · Conventional Mortgage RUOFF MORTGAGE COMPANY INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 14, 2020 · Amount on Record
Deed Sale	Oct 14, 2020 · Amount on Record
Prior Sale	Dec 18, 2017 · Amount on Record
Deed Book / Page	1182 / 1292
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CASS MI
Recording Date	May 21, 2026
Property Address	1225 THOMSON RD, NILES, MI 49120-1314
Document Number	01276/2005
Book / Page	1276 / 2005
Instrument Date	May 15, 2026
Instrument	202631988
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	WESTCOR LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1225 THOMSON RD, NILES, MI 49120-1314

Mortgage

Document Number	0000031988,
Date	May 21, 2026
Book Page	1276/2005
Instrument	202631988

Lender

Name	INDEPENDENT HOME LOANS

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate	6.3%
Max Rate	-1%

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CASS MI
Property Address	1225 THOMSON RD, NILES, MI 49120-1314
Transaction Type	Mortgage
Record Updated	Sep 24, 2025
Title Company	WESCOR LAND TITLE INSURANCE, WESTCOR LAND TITLE INSURANCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1225 THOMSON RD, NILES, MI 49120-1314

Mortgage

Document Number	001265/540
Date	Sep 4, 2025
Book Page	1265/540

Lender

Name	INDEPENDENCE HOME LOANS LLC
Type	Mortgage Company
Address	SCOTTSDALE, AZ 85257

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2055

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CASS MI
Property Address	1225 THOMSON RD, NILES, MI 49120-1314
Transaction Type	Mortgage
Record Updated	Sep 14, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01221/2221
Date	Aug 22, 2022
Book Page	1221/2221

Lender

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

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2052

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CASS MI
Property Address	1225 THOMSON RD, NILES, MI 49120-1314
Transaction Type	Mortgage
Record Updated	May 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1225 THOMSON RD, NILES, MI 49120-1314

Mortgage

Document Number	01203/1593
Date	Sep 15, 2021
Book Page	1203/1593

Lender

Name	LOW VA RATES LLC
Type	Mortgage Company
Address	LINDON, UT 84042

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CASS MI
Recording Date	Oct 14, 2020
Property Address	1225 THOMSON RD, NILES, MI 49120-1314
Document Number	01182/1292
Book / Page	1182 / 1292
Instrument Date	Sep 30, 2020
Transaction Type	Transfer
Record Updated	May 3, 2022
Title Company	MTC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,135.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1225 THOMSON RD, NILES, MI 49120-1314

Mortgage

Document Number	0011821295
Date	Oct 14, 2020
Instrument	1182/1295

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CASS MI
Recording Date	Dec 18, 2017
Property Address	1225 THOMSON RD, NILES, MI 49120-1314
Document Number	1133/0235
Book / Page	1133 / 0235
Instrument Date	Dec 13, 2017
Instrument	1133-0235
Transaction Type	Transfer
Record Updated	Aug 19, 2021
Title Company	CHICAGO TITLE MERIDIAN, CHICAGO TITLE OF MICHIGAN

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$928.80
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1225 THOMSON RD, 1225, NILES, MI 49120-1314

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1225 THOMPSON RD, NILES, MI 49120-1314

Mortgage

Document Number	11330237
Date	Dec 18, 2017
Instrument	1133-0237

Lender

Name	RUOFF MORTGAGE COMPANY INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2048

Tax Assessment & Valuation

Source: Cass County assessment roll, as of October 1, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Cass County
County Subdivision	Howard Township
Unified School District	Niles Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$66,700 (+19.53%) Land $66,700	$133,400 (+19.53%) Land $133,400
2025	$1,314.00 (+9.59%) Homeowner's exemption	$55,800 (+22.64%) Land $55,800	$111,600 (+22.64%) Land $111,600
2023		$45,500	$91,000
2022	$1,199.00

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

Source: FEMA National Flood Hazard Layer, effective September 5, 2007

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

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 44 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
T-Mobile Fixed Wireless	100 / 20

May also be available: Mercury Fiber.

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