1630 Cedar St, Niles, MI 49120 Property Records

Berrien County property record for 1630 Cedar St, Niles, MI 49120

Property Summary

Property Type	Single Family Home
Details	5 bd · 1.5 ba · 1,260 sqft · built 1930
Lot Size	0.204 acres (8,886 sqft)
Owner	Individual Name on File
Last Sale	$89,000 (May 2009)
Tax Bill	$2,288 (2025)
Deeds & Mortgages	Dec 2020 Mortgage Oct 2006 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`72-5950-0050-00-9`

Property Details

APN / Parcel Number

Primary APN	`72-5950-0050-00-9`
Alternative APN	`11-72-5950-0050-00-9`

Interior

Bedrooms	5 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Building Area	1,260 sqft Living Area
1st Floor Area	1,056 sqft
Basement Area	816 sqft
Unfinished Basement	816 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Lot Area	8,886 sqft (0.204 acres)
Lot Dimensions	137 ft deep x 65 ft wide
Garage Area	324 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1630 CEDAR ST
City	NILES
State	MI
Zip	49120-2133
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	LDR
Legal Description	LOT 50 AND THE E 15' OF LOT 51 PARKER ADD CITY OF NILES
Legal Subdivision	PARKER ADD
Legal Lot Number	50-51
Legal Unit	50,51
Jurisdiction	BERRIEN MI
Township / Civil Division	NILES
Census Block Group	4
Census Block	4026
Census Tract	20900

Owner

1630 Cedar St is owned and occupied by an individual who bought it in May 2009.

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

Owner of Record	Individual Name on File
Mailing Address	1630 CEDAR ST, NILES, MI 49120-2133
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.

Deeds, Mortgages & Sale History

Date	Document
Dec 1, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD BANK NA
Oct 18, 2006	Deed of Trust, Mortgage · Balloon Mortgage FIRST FRANKLIN FINANCIAL CORP
Nov 27, 2006	Warranty Deed, Transfer · ARM INVESTAID CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 5, 2009 · Amount on File
Deed Sale	May 5, 2009 · Amount on File
Prior Sale	Mar 7, 2008 · Amount on File
Deed Book / Page	2883 / 238
Prior Transfer Date	Feb 28, 2008
Prior Transfer Doc	02832/1927
Record Updated	Oct 29, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	1630 CEDAR ST, NILES, MI 49120-2133
Transaction Type	Mortgage
Record Updated	Jun 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	03302/1940
Date	Dec 1, 2020
Book Page	3302/1940

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	GRAND RAPIDS, MI 49546

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Dec 1, 2030

October 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	1630 CEDAR ST, NILES, MI 49120-2133
Transaction Type	Mortgage
Record Updated	Jun 8, 2026
Title Company	NTA

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02751/2062
Date	Oct 18, 2006
Book Page	2751/2062

Lender

Name	FIRST FRANKLIN FINANCIAL CORP
Type	Subprime Lender
Address	SAN JOSE, CA 95131

Agreement

Type	Balloon Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2036
Prepayment Penalty	36 Months

November 2006: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BERRIEN MI
Recording Date	Nov 27, 2006
Property Address	1630 CEDAR ST, NILES, MI 49120-2133
Document Number	02761/0537
Book / Page	2761 / 0537
Map Reference	MB8 PG10
Instrument Date	Nov 15, 2006
Transaction Type	Transfer
Record Updated	Jun 8, 2026
Title Company	NATIONS TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,358.80
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1301 CONE ST, NILES, MI 49120
Investor	Possibly a Property Investor

Mortgage

Document Number	0027610538
Date	Nov 27, 2006
Instrument	2761/0538

Lender

Name	INVESTAID CORP
Type	Subprime Lender

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2036
Prepayment Penalty	36 Months

Interest

Rate Type	Adjustable Rate
Rate	9.35%
Adjustable	Adjustable Rate Rider
Change Frequency	6 Months
Min Rate At Change	9.35%
Max Rate At Change	12.3%
Index	6-Month LIBOR
Max Rate	15.3%

Mortgage

Document Number	02760/1643
Date	Nov 22, 2006
Book Page	2760/1643

Lender

Name	INVESTAID CORP
Type	Subprime Lender
Address	SOUTHFIELD, MI 48075

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	181 Months
Due	Dec 1, 2021
Prepayment Penalty	36 Months

Tax Assessment & Valuation

The 2025 property tax bill for 1630 Cedar St was $2,288 with a homeowner's exemption.

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

Property Jurisdictions

Type	Name
State	Michigan
County	Berrien County
Municipality	Niles City
Unified School District	Niles Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$102,600	$205,200
2025	$2,288.00
2023		$92,100	$184,200
2022	$2,045.00

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

Flood

FEMA maps place 1630 Cedar 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

The area around 1630 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 Risk	Not 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 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

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 436 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20
Mercury Fiber Fixed Wireless	150 / 20

May also be available: AT&T, Midwest Energy & Communications.

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