1525 Niles Ave, Saint Joseph, MI 49085 Property Records

Berrien County property record for 1525 Niles Ave, Saint Joseph, MI 49085

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,540 sqft · built 1900
Lot Size	0.101 acres (4,400 sqft)
Owner	Individual Name on Record
Last Sale	$183,000 (Mar 2020)
Tax Bill	$4,270 (2025)
Deeds & Mortgages	Mar 2020 Sale & Mortgage Sep 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`76-5990-0004-00-4`

Property Details

APN / Parcel Number

Primary APN	`76-5990-0004-00-4`
Alternative APN	`11-76-5990-0004-00-4`

Interior

Full Baths	1 Bath
Stories	2 Stories
Building Area	1,540 sqft Living Area
1st Floor Area	770 sqft
Basement Area	770 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Lot Area	4,400 sqft (0.101 acres)
Lot Dimensions	94 ft deep x 47 ft wide

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	1525 NILES AVE
City	SAINT JOSEPH
State	MI
Zip	49085-1585
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1 - C
Legal Description	THE WEST 123' OF THE N1/2 OF LOT 4 PIXLEY'S ADD TO CITY OF ST JOSEPH AND THE E 15' OF LOT 4
Legal Subdivision	PIXLEYS ADD
Legal Lot Number	4
Legal Unit	4,4
Jurisdiction	BERRIEN MI
Township / Civil Division	ST. JOSEPH
Census Block Group	2
Census Block	2002
Census Tract	802

Owner

Source: Berrien County records, as of June 5, 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	1525 NILES AVE, SAINT JOSEPH, MI 49085-1585
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 11, 2020	Warranty Deed, Transfer · Conventional Mortgage RUOFF MORTGAGE COMPANY INC
Sep 7, 2017	Quit Claim Deed, Transfer · Conventional Mortgage UNITED FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 11, 2020 · Amount on Record
Deed Sale	Mar 11, 2020 · Amount on Record
Prior Sale	Apr 26, 2000 · Amount on Record
Deed Book / Page	3267 / 2774
Prior Transfer Date	Jul 21, 2017
Prior Transfer Doc	03182/2045
Record Updated	Sep 20, 2026

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BERRIEN MI
Recording Date	Mar 11, 2020
Property Address	1525 NILES AVE, SAINT JOSEPH, MI 49085-1585
Document Number	03267/2774
Book / Page	3267 / 2774
Map Reference	VOL 2 PG 60
Instrument Date	Mar 3, 2020
Transaction Type	Transfer
Record Updated	Nov 9, 2023
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,573.80
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1525 NILES AVE, SAINT JOSEPH, MI 49085-1585

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1525 NILES AVE, SAINT JOSEPH, MI 49085-1585

Mortgage

Document Number	0032672775
Date	Mar 11, 2020
Instrument	3267/2775

Lender

Name	RUOFF MORTGAGE COMPANY INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2050

September 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BERRIEN MI
Recording Date	Sep 7, 2017
Property Address	1525 NILES AVE, SAINT JOSEPH, MI 49085-1585
Document Number	03182/2045
Book / Page	3182 / 2045
Map Reference	VOL2 PG60
Instrument Date	Jul 21, 2017
Transaction Type	Transfer
Record Updated	Nov 9, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1525 NILES AVE, SAINT JOSEPH, MI 49085-1585

Mortgage

Document Number	0031822046
Date	Sep 7, 2017
Instrument	3182/2046

Lender

Name	UNITED FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2047

Tax Assessment & Valuation

Source: Berrien County assessment roll, as of June 5, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Berrien County
Municipality	St. Joseph City
Unified School District	St. Joseph Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$123,400 (-12.54%)	$246,800 (-12.54%)
2025	$4,270.00 (+2.45%) Homeowner's exemption	$141,100 (+21.32%)	$282,200 (+21.32%)
2024	$4,168.00 (+9.25%)
2023		$116,300	$232,600
2022	$3,815.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 98.4% 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	ST JOSEPH serves 7,930 people · EPA ID MI0006310
Water Source	Surface water
Last State Inspection	Jun 2025
Lead	4 ppb (2026) 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 474 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL · Fixed Wireless in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: Mercury Fiber.

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