Berrien County property record for 1542 Cherry St, Niles, MI 49120
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,080 sqft · built 1950 |
| Lot Size | 0.143 acres (6,229 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $108,000 (Feb 2026) |
| Tax Bill | $464 (2025) |
| Deeds & Mortgages | Jul 2008 Mortgage May 2005 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 73-8790-0173-00-1 |
| Primary APN | 73-8790-0173-00-1 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,080 sqft Living Area |
| 1st Floor Area | 864 sqft |
| Basement Area | 864 sqft |
| Unfinished Basement | 864 sqft |
| Year Built | Built 1950 |
|---|---|
| Effective Year Built | Effective 1950 |
| Lot Area | 6,229 sqft (0.143 acres) |
| Lot Dimensions | 120 ft deep x 52 ft wide |
| Garage Area | 280 sqft |
| Parking Spaces | 1 Parking Space |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 1542 CHERRY ST |
|---|---|
| City | NILES |
| State | MI |
| Zip | 49120-3643 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | LDR |
| Legal Description | LOT 173 WOODWARDS 2ND ADD TO CITY OF NILES |
| Legal Subdivision | WOODWARDS 2ND ADD |
| Legal Lot Number | 173 |
| Legal Unit | 173 |
| Jurisdiction | BERRIEN MI |
| Township / Civil Division | NILES |
| Census Block Group | 3 |
| Census Block | 3022 |
| Census Tract | 20700 |
1542 Cherry St is owned and occupied by two individuals who bought it in February 2026.
Source: Berrien County records, as of September 28, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1542 CHERRY ST, NILES, MI 49120-3643 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
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 |
|---|---|
| Jul 29, 2008 | Deed of Trust, Mortgage HSBC MORTGAGE CORPORATION USA |
| May 26, 2005 | Deed of Trust, Mortgage OPTION ONE MORTGAGE CORP |
| Feb 6, 2026 | Warranty Deed, Transfer · Conventional Mortgage UNITED FCU |
| Oct 28, 2024 | Warranty Deed, Transfer |
| Jun 12, 2024 | Warranty Deed, Transfer FIRST AMERICAN TITLE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 6, 2026 · Amount on File |
| Deed Sale | Feb 6, 2026 · Amount on File |
| Prior Sale | Oct 28, 2024 · Amount on File |
| Deed Document Number | 2026451408 |
| Deed Book / Page | 3469 / 3660 |
| Prior Transfer Date | Apr 21, 2005 |
| Prior Transfer Doc | 02611/1266 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERRIEN MI |
| Property Address | 1542 CHERRY ST, NILES, MI 49120-3643 |
| Transaction Type | Mortgage |
| Record Updated | Mar 17, 2026 |
| Title Company | STEWART TITLE, STEWART TITLE GUARANTY CO |
| Name | Verified Name |
|---|
| Document Number | 02852/2740 |
|---|---|
| Date | Jul 29, 2008 |
| Book Page | 2852/2740 |
| Name | HSBC MORTGAGE CORPORATION USA |
|---|---|
| Type | Mortgage Company |
| Address | DEPEW, NY 14043 |
| Amount | Amount on Record |
|---|---|
| Term | 361 Months |
| Due | Aug 1, 2038 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERRIEN MI |
| Property Address | 1542 CHERRY ST, NILES, MI 49120-3643 |
| Transaction Type | Mortgage |
| Record Updated | Mar 17, 2026 |
| Title Company | SUPERIOR TITLE |
| Name | Verified Name |
|---|
| Document Number | 02615/1590 |
|---|---|
| Date | May 26, 2005 |
| Book Page | 2615/1590 |
| Name | OPTION ONE MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | 3 ADA, IRVINE, CA 92618 |
| Amount | Amount on Record |
|---|---|
| Term | 361 Months |
| Due | Jun 1, 2035 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 8.05% |
| Adjustable | Adjustable Rate Rider |
| Change Frequency | 6 Months |
| Index | LIBOR |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BERRIEN MI |
| Recording Date | Feb 6, 2026 |
| Property Address | 1542 CHERRY ST, NILES, MI 49120-3643 |
| Document Number | 03469/3660 |
| Book / Page | 3469 / 3660 |
| Map Reference | LB 6 PG 17 |
| Instrument Date | Feb 6, 2026 |
| Instrument | 2026451408 |
| Transaction Type | Transfer |
| Record Updated | Jun 5, 2026 |
| Title Company | CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $810.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 1542 CHERRY ST, NILES, MI 49120-3643 |
| Document Number | 0034693663 |
|---|---|
| Date | Feb 6, 2026 |
| Instrument | 3469/3663 |
| Name | UNITED FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2056 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BERRIEN MI |
| Recording Date | Oct 28, 2024 |
| Property Address | 1542 CHERRY ST, NILES, MI 49120-3643 |
| Document Number | 03437/2251 |
| Book / Page | 3437 / 2251 |
| Map Reference | LB 6 PG 17 |
| Instrument Date | Oct 25, 2024 |
| Instrument | 2024417091 |
| Transaction Type | Transfer |
| Record Updated | Jun 5, 2026 |
| Amount | Amount on Record |
|---|---|
| Tax | $273.75 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1542 CHERRY ST, NILES, MI 49120-3643 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BERRIEN MI |
| Recording Date | Jun 12, 2024 |
| Property Address | 1542 CHERRY ST, NILES, MI 49120-3643 |
| Document Number | 03427/3966 |
| Book / Page | 3427 / 3966 |
| Map Reference | LB 6 PG 17 |
| Instrument Date | Jun 4, 2024 |
| Instrument | 2024407544 |
| Transaction Type | Transfer |
| Record Updated | Jun 5, 2026 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount on Record |
|---|---|
| Tax | $615.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 7036 PRISM ST SE, LACEY, WA 98513-5160 |
The 2025 property tax bill for 1542 Cherry St was $464 with a homeowner's exemption, down 55.2% from the year before.
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 | $58,900 (+5.37%) | $117,800 (+5.37%) | |
| 2025 | $464.00 (-55.17%) Homeowner's exemption | $55,900 | $111,800 |
| 2024 | $1,035.00 | ||
| 2023 | $45,200 | $90,400 | |
| 2022 | $944.00 |
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.
FEMA maps place 1542 Cherry St in Zone X, an area of minimal flood risk.
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 risk around 1542 Cherry St is low, with less than 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 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | NILES serves 14,215 people · EPA ID MI0004740 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jun 2024 |
| Lead | 2 ppb (2025) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 448 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, T-Mobile.
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