1451 Cedar St, Niles, MI 49120 Property Records

Berrien County property record for 1451 Cedar St, Niles, MI 49120

Property Summary

Property TypeSingle Family Home
Details2 bd · 2 ba · 1,372 sqft · built 1952
Lot Size0.17 acres (7,405 sqft)
Owner2 Individual Names on File
Last Sale$242,000 (Mar 2026)
Tax Bill$4,069 (2025)
Deeds & MortgagesJul 2021 Mortgage
Aug 2012 Mortgage
+ 3 more
Flood ZoneZone X (minimal risk)
APN72-6800-0033-00-0

Property Details

APN / Parcel Number

Primary APN72-6800-0033-00-0
Alternative APN
  • 11-72-6800-0033-00-0

Interior

Bedrooms2 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,372 sqft Living Area
1st Floor Area1,372 sqft
Basement Area1,372 sqft
Unfinished Basement1,372 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1952
Effective Year BuiltEffective 1952
Lot Area7,405 sqft (0.17 acres)
Lot Dimensions130 ft deep x 57 ft wide
Garage Area360 sqft
Parking Spaces1 Parking Space

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C

Location & Zoning

Street Address1451 CEDAR ST
CityNILES
StateMI
Zip49120-2162
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeLDR
Legal DescriptionPRT OF LOTS 33 & 34 REDDICK & MOORES ADD TO CITY OF NILES COM 217.2' S OF SW COR OF 15TH & REGENT STS TH W 129.93' TH S 57' TH E 129.83' TH N 57' TO BEG
Legal SubdivisionMOORES ADD
Legal Lot Number33-34
JurisdictionBERRIEN MI
Township / Civil DivisionNILES
Census Block Group3
Census Block3012
Census Tract20900

Owner

1451 Cedar St is owned and occupied by two individuals who bought it in March 2026.

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

Owner of Record2 Individual Names on File
Mailing Address1854 ALTGELD ST, SOUTH BEND, IN 46614-1606
OccupancyOwner Occupied
Owner TypeIndividual
VestingHusband and Wife

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

DateDocument
Jul 28, 2021Deed of Trust, Mortgage · Conventional Mortgage
RUOFF MORTGAGE COMPANY INC
Aug 13, 2012Deed of Trust, Mortgage · Conventional Mortgage
RUOFF MORTGAGE COMPANY INC
May 15, 2025Deed of Trust, Mortgage · VA Mortgage
MORTGAGE RESEARCH CENTER LLC
Mar 26, 2026Deed, Transfer · Conventional Mortgage
UNION HOME MORTGAGE CORP
Nov 30, 2023Warranty Deed, Transfer · Conventional Mortgage
MORTGAGE RESEARCH CENTER LLC

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleMar 26, 2026 · Amount on File
Deed SaleMar 26, 2026 · Amount on File
Prior SaleNov 30, 2023 · Amount on File
Deed Document Number2026456977
Deed Book / Page3473 / 2517
Prior Transfer DateJun 6, 2025
Prior Transfer Doc03456/4283
Record UpdatedOct 29, 2026

July 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionBERRIEN MI
Property Address1451 CEDAR ST, NILES, MI 49120-2162
Transaction TypeMortgage
Record UpdatedApr 27, 2026

Transferred To (Grantee/Buyer)

NameVerified Name
Address1451 CEDAR ST, NILES, MI 49120-2162

Mortgage

Document Number03337/3347
DateJul 28, 2021
Book Page3337/3347
Lender
NameRUOFF MORTGAGE COMPANY INC
TypeMortgage Company
AddressFORT WAYNE, IN 46804
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueAug 1, 2051

August 2012: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionBERRIEN MI
Property Address1451 CEDAR ST, NILES, MI 49120-2162
Transaction TypeMortgage
Record UpdatedApr 27, 2026
Title CompanyCAPITAL TITLE AGENCY INC, CTI

Transferred To (Grantee/Buyer)

NameVerified Name
InvestorPossibly a Property Investor

Mortgage

Document Number03003/3318
DateAug 13, 2012
Book Page3003/3318
Lender
NameRUOFF MORTGAGE COMPANY INC
TypeMortgage Company
AddressFORT WAYNE, IN 46825
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term360 Months
DueAug 1, 2042

May 2025: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionBERRIEN MI
Property Address1451 CEDAR ST, NILES, MI 49120-2162
Transaction TypeMortgage
Record UpdatedApr 27, 2026

Transferred To (Grantee/Buyer)

NameVerified Name
Address1451 CEDAR ST, NILES, MI 49120-2162

Mortgage

Document Number03450/2976
DateMay 15, 2025
Book Page3450/2976
Instrument2025432566
Lender
NameMORTGAGE RESEARCH CENTER LLC
TypeMortgage Company
AddressCOLUMBIA, MO 65203
Agreement
TypeVA Mortgage
AmountAmount on Record
Term361 Months
DueJun 1, 2055

March 2026: Deed, Transfer

Document TypeDeed
JurisdictionBERRIEN MI
Recording DateMar 26, 2026
Property Address1451 CEDAR ST, NILES, MI 49120-2162
Document Number03473/2517
Book / Page3473 / 2517
Map ReferenceVOL 2 PG 798
Instrument DateMar 26, 2026
Instrument2026456977
Transaction TypeTransfer
Record UpdatedApr 27, 2026
Title CompanyINSPIRE CLOSING SERVICES LLC, INSPIRE CLOSING SERVICES

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,815.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address1451 CEDAR ST, NILES, MI 49120-2162

Transferred To (Grantee/Buyer)

NameVerified Name
Address1451 CEDAR ST, NILES, MI 49120-2162

Mortgage

Document Number0034732519
DateMar 26, 2026
Instrument3473/2519
Lender
NameUNION HOME MORTGAGE CORP
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueApr 1, 2056

November 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBERRIEN MI
Recording DateNov 30, 2023
Property Address1451 CEDAR ST, NILES, MI 49120-2162
Document Number03416/2727
Book / Page3416 / 2727
Map ReferenceVOL 2
Instrument DateNov 16, 2023
Instrument2023393779
Transaction TypeTransfer
Record UpdatedDec 26, 2023
Title CompanyACCOMODATION, ACCOMMODATION

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,601.25
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address1451 CEDAR ST, NILES, MI 49120-2162

Mortgage

Document Number2023393780
DateNov 30, 2023
Instrument2023393780
Lender
NameMORTGAGE RESEARCH CENTER LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueDec 1, 2053

Tax Assessment & Valuation

The 2025 property tax bill for 1451 Cedar St was $4,069 with a homeowner's exemption, up 2.4% from the year before.

Source: Berrien County assessment roll, as of September 28, 2026

Property Jurisdictions

TypeName
StateMichigan
CountyBerrien County
MunicipalityNiles City
Unified School DistrictNiles Community School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$135,500 (+6.69%)$271,000 (+6.69%)
2025$4,069.00 (+2.42%) Homeowner's exemption$127,000$254,000
2024$3,973.00
2023$94,500$189,000
2022$2,090.00

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 1451 Cedar St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1978.

Source: FEMA National Flood Hazard Layer, effective September 10, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Claims1 (1978)
Most Recent ClaimFeb 1978 · tidal / storm surge

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

The area around 1451 Cedar St has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskNot rated
no burnable land 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 SystemNILES
serves 14,215 people · EPA ID MI0004740
Water SourceGroundwater
Last State InspectionJun 2024
Lead2 ppb (2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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

ProviderMax 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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