1919 Jay St, Niles, MI 49120 Property Records

Berrien County property record for 1919 Jay St, Niles, MI 49120

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.5 ba · 2,110 sqft · built 2001
Lot Size	0.9 acres (39,204 sqft)
Owner	2 Individual Names on File
Last Sale	$430,000 (Apr 2026)
Tax Bill	$5,220 (2025)
Deeds & Mortgages	Apr 2023 Mortgage Jun 2013 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`14-6700-0011-01-5`

Property Details

APN / Parcel Number

Primary APN	`14-6700-0011-01-5`
Alternative APN	`11-14-6700-0011-01-5`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,110 sqft Living Area
1st Floor Area	1,270 sqft
Basement Area	1,240 sqft
Unfinished Basement	1,240 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Architectural Style	Raised Ranch
Lot Area	39,204 sqft (0.9 acres)
Lot Dimensions	286 ft deep x 95.3 ft wide
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1919 JAY ST
City	NILES
State	MI
Zip	49120-9087
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1A
Legal Description	LOT 11 ROYAL ESTATES & PRT OF SEC 20 T7S R17W BEG AT SE COR SD LOT 11 TH S00DEG00'13E 95.30' TH N89DEG50'55"W 228.53' TH N00DEG00'13"W 95.30' TO SW COR SD LOT 11 TH S89DEG50'55"E ON S LN SD LOT 11 228.53' TO POB
Legal Range	17W
Legal Township	07S
Legal Section	20
Legal Subdivision	ROYAL ESTATES
Legal Lot Number	11,228
Jurisdiction	BERRIEN MI
Township / Civil Division	NILES
Census Block Group	2
Census Block	2040
Census Tract	20400

Owner

1919 Jay St is owned and occupied by two individuals who bought it in April 2026.

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

Owner of Record	2 Individual Names on File
Mailing Address	249 N CRAIG PL, LOMBARD, IL 60148-2006
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
Apr 5, 2023	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Jun 24, 2013	Deed of Trust, Mortgage · Conventional Mortgage CITIBANK NA
Apr 16, 2026	Warranty Deed, Transfer · Conventional Mortgage NATIONAL HOME MORTGAGE CORPORATION
Apr 16, 2026	Warranty Deed, Transfer · Conventional Mortgage HOME MORTGAGE CORPORATION
Apr 2, 2024	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 16, 2026 · Amount on File
Deed Sale	Apr 16, 2026 · Amount on File
Prior Sale	Apr 2, 2024 · Amount on File
Deed Document Number	2026458722
Deed Book / Page	3475 / 891
Record Updated	Oct 29, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	1919 JAY ST, NILES, MI 49120-9087
Transaction Type	Mortgage
Record Updated	May 20, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1919 JAY ST, NILES, MI 49120-9087

Mortgage

Document Number	03401/3219
Date	Apr 5, 2023
Book Page	3401/3219
Instrument	2023378091

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2053

June 2013: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	1919 JAY ST, NILES, MI 49120-9087
Transaction Type	Mortgage
Record Updated	May 20, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	03041/2325
Date	Jun 24, 2013
Book Page	3041/2325

Lender

Name	CITIBANK NA
Type	Bank
Address	O FALLON, MO 63368

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jul 1, 2028

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BERRIEN MI
Recording Date	Apr 16, 2026
Property Address	1919 JAY ST, NILES, MI 49120-9087
Document Number	0000458722
Book / Page	3475 / 891
Instrument Date	Apr 14, 2026
Instrument	2026.458722
Transaction Type	Transfer
Record Updated	May 14, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$325,725.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	249 N CRAIG PL, LOMBARD, IL 60148-2006
Investor	Possibly a Property Investor

Mortgage

Document Number	0000458723,
Date	Apr 16, 2026
Instrument	2026..458723

Lender

Name	NATIONAL HOME MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6%
Initial Type	Fixed Rate
Max Rate	-1%

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BERRIEN MI
Recording Date	Apr 16, 2026
Property Address	1919 JAY ST, NILES, MI 49120-9087
Document Number	003475/891
Book / Page	3475 / 891
Instrument Date	Apr 14, 2026
Instrument	2026458722
Transaction Type	Transfer
Record Updated	Aug 25, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$325,725.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	249 N CRAIG PL, LOMBARD, IL 60148-2006
Investor	Possibly a Property Investor

Mortgage

Document Number	0000458723,
Date	Apr 16, 2026
Instrument	2026458723

Lender

Name	HOME MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

April 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BERRIEN MI
Recording Date	Apr 2, 2024
Property Address	1919 JAY ST, NILES, MI 49120-9087
Document Number	03423/2858
Book / Page	3423 / 2858
Map Reference	LB 25 PG 48
Instrument Date	Mar 28, 2024
Instrument	2024403033
Transaction Type	Transfer
Record Updated	Apr 25, 2024
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,775.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1919 JAY ST, NILES, MI 49120-9087

Mortgage

Document Number	2024403034
Date	Apr 2, 2024
Instrument	2024403034

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2054

Tax Assessment & Valuation

The 2025 property tax bill for 1919 Jay St was $5,220 with a homeowner's exemption, up 59.3% from the year before.

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

Property Jurisdictions

Type	Name
State	Michigan
County	Berrien County
County Subdivision	Niles Township
Unified School District	Buchanan Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$207,500 (+6.68%)	$415,000 (+6.68%)
2025	$5,220.00 (+59.34%) Homeowner's exemption	$194,500	$389,000
2024	$3,276.00
2023		$147,000	$294,000
2022	$3,095.00

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 1919 Jay St in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1990.

Source: FEMA National Flood Hazard Layer, effective September 10, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	6 in force
Nearby Flood Claims	4 (1990–2018)
Most Recent Claim	Feb 2018 · river or lake flooding

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 1919 Jay St is low, with 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 80% of the US · above 51% of Michigan
Wildfire Likelihood	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 70 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
AT&T DSL	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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