1645 Howard St, Niles, MI 49120 Property Records

Berrien County property record for 1645 Howard St, Niles, MI 49120

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,664 sqft · built 1943
Lot Size	0.149 acres (6,490 sqft)
Owner	2 Individual Names on File
Last Sale	$201,000 (Jul 2022)
Tax Bill	$4,108 (2025)
Deeds & Mortgages	Jul 2022 Sale & Mortgage Oct 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`72-5950-0207-00-5`

Property Details

APN / Parcel Number

Primary APN	`72-5950-0207-00-5`
Alternative APN	`11-72-5950-0207-00-5`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,664 sqft Living Area
1st Floor Area	832 sqft
Basement Area	832 sqft
Unfinished Basement	832 sqft

Exterior

Year Built	Built 1943
Effective Year Built	Effective 1943
Lot Area	6,490 sqft (0.149 acres)
Lot Dimensions	130 ft deep x 50 ft wide
Garage Area	630 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1645 HOWARD ST
City	NILES
State	MI
Zip	49120-1963
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	LDR
Legal Description	LOT 207 PARKER ADD CITY OF NILES
Legal Subdivision	PARKER ADD
Legal Lot Number	207
Legal Unit	207
Jurisdiction	BERRIEN MI
Township / Civil Division	NILES
Census Block Group	1
Census Block	1039
Census Tract	20900

Owner

1645 Howard St is owned and occupied by two individuals who bought it in July 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	1645 HOWARD ST, NILES, MI 49120-1963
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
Jul 19, 2022	Warranty Deed, Transfer · FHA Mortgage AMERIFIRST FINANCIAL CORP
Oct 22, 2021	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Oct 30, 2019	Warranty Deed, Transfer QUICKEN LOANS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 19, 2022 · Amount on File
Deed Sale	Jul 19, 2022 · Amount on File
Prior Sale	Oct 22, 2021 · Amount on File
Deed Document Number	2022358135
Deed Book / Page	3380 / 1407
Record Updated	Oct 29, 2026

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BERRIEN MI
Recording Date	Jul 19, 2022
Property Address	1645 HOWARD ST, NILES, MI 49120-1963
Document Number	03380/1407
Book / Page	3380 / 1407
Map Reference	LB 8 PG 10
Instrument Date	Jul 8, 2022
Instrument	2022358135
Transaction Type	Transfer
Record Updated	Nov 9, 2023
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,507.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1645 HOWARD ST, NILES, MI 49120-1963

Mortgage

Document Number	0033801408
Date	Jul 19, 2022
Instrument	3380-1408

Lender

Name	AMERIFIRST FINANCIAL CORP
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2052

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BERRIEN MI
Recording Date	Oct 22, 2021
Property Address	1645 HOWARD ST, NILES, MI 49120-1963
Document Number	03349/3140
Book / Page	3349 / 3140
Map Reference	LB 8 PG 10
Instrument Date	Oct 22, 2021
Transaction Type	Transfer
Record Updated	Nov 9, 2023
Title Company	NEAR NORTH TITLE GROUP

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,451.70
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1226 W JOHN BEERS RD, STEVENSVILLE, MI 49127-9454

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1645 HOWARD ST, NILES, MI 49120-1963

Mortgage

Document Number	0033493142
Date	Oct 22, 2021
Instrument	3349/3142

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2051

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BERRIEN MI
Recording Date	Oct 30, 2019
Property Address	1645 HOWARD ST, NILES, MI 49120-1963
Document Number	03254/2315
Book / Page	3254 / 2315
Map Reference	LB 8 PG 10
Instrument Date	Oct 28, 2019
Transaction Type	Transfer
Record Updated	Nov 9, 2023
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,118.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1645 HOWARD ST, NILES, MI 49120-1963

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1645 HOWARD ST, NILES, MI 49120-1963

Mortgage

Document Number	0032542317
Date	Oct 30, 2019
Instrument	3254/2317

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 1645 Howard St was $4,108 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		$132,600	$265,200
2025	$4,108.00
2023		$102,500	$205,000
2022	$2,621.00

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

Flood

FEMA maps place 1645 Howard 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

Wildfire risk around 1645 Howard 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	Direct burnable vegetation

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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