1642 Cedar St, Niles, MI 49120 Property Records

Berrien County property record for 1642 Cedar St, Niles, MI 49120

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,232 sqft · built 1956
Lot Size	0.157 acres (6,839 sqft)
Owner	2 Individual Names on File
Last Sale	$225,000 (Dec 2025)
Tax Bill	$1,965 (2025)
Deeds & Mortgages	Jul 2009 Mortgage Apr 2006 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`72-5950-0047-00-8`

Property Details

APN / Parcel Number

Primary APN	`72-5950-0047-00-8`
Alternative APN	`11-72-5950-0047-00-8`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Building Area	1,232 sqft Living Area
1st Floor Area	1,064 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1956
Lot Area	6,839 sqft (0.157 acres)
Lot Dimensions	137 ft deep x 50 ft wide

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	1642 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 47 PARKER ADD CITY OF NILES
Legal Subdivision	PARKER ADD
Legal Lot Number	47
Legal Unit	47
Jurisdiction	BERRIEN MI
Township / Civil Division	NILES
Census Block Group	4
Census Block	4026
Census Tract	20900

Owner

1642 Cedar St is owned and occupied by two individuals who bought it in December 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	1642 CEDAR ST, NILES, MI 49120-2133
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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
Jul 27, 2009	Deed of Trust, Mortgage · FHA Mortgage BANK OF AMERICA NA
Apr 3, 2006	Deed of Trust, Mortgage · Line of Credit NOTRE DAME FCU
Dec 31, 2025	Warranty Deed, Transfer · Conventional Mortgage ORIGINPOINT LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 31, 2025 · Amount on File
Deed Sale	Dec 31, 2025 · Amount on File
Prior Sale	Jun 3, 2008 · Amount on File
Deed Document Number	2025449168
Deed Book / Page	3467 / 2903
Record Updated	Oct 29, 2026

July 2009: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	1642 CEDAR ST, NILES, MI 49120-2133
Transaction Type	Mortgage
Record Updated	Feb 17, 2026
Title Company	CAPITAL TITLE AGENCY INC, CTI

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02892/3401
Date	Jul 27, 2009
Book Page	2892/3401

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2039

April 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	1642 CEDAR ST, NILES, MI 49120-2133
Transaction Type	Mortgage
Record Updated	Feb 17, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02699/1819
Date	Apr 3, 2006
Book Page	2699/1819

Lender

Name	NOTRE DAME FCU
Type	Credit Union
Address	19033 DOUGLAS RD, NOTRE DAME, IN 46556

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	84 Months
Due	Apr 15, 2013

Interest

Change Frequency	Monthly

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BERRIEN MI
Recording Date	Dec 31, 2025
Property Address	1642 CEDAR ST, NILES, MI 49120-2133
Document Number	03467/2903
Book / Page	3467 / 2903
Map Reference	LB 8 PG 10
Instrument Date	Dec 22, 2025
Instrument	2025449168
Transaction Type	Transfer
Record Updated	Feb 17, 2026
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,687.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1642 CEDAR ST, NILES, MI 49120-2133

Mortgage

Document Number	0034672904
Date	Dec 31, 2025
Instrument	3467/2904

Lender

Name	ORIGINPOINT LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2056

Tax Assessment & Valuation

The 2025 property tax bill for 1642 Cedar St was $1,965 with a homeowner's exemption, up 2.4% from the year before.

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		$75,400 (-2.2%)	$150,800 (-2.2%)
2025	$1,965.00 (+2.4%) Homeowner's exemption	$77,100	$154,200
2024	$1,919.00
2023		$67,600	$135,200
2022	$1,756.00

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 1642 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 1642 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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