1945 Champlain Dr, Niles, MI 49120 Property Records

Berrien County property record for 1945 Champlain Dr, Niles, MI 49120

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 1,996 sqft · built 1966
Lot Size	0.873 acres (38,046 sqft)
Owner	Individual Name on Record
Last Sale	$400,000 (Dec 2022)
Tax Bill	$4,926 (2025)
Deeds & Mortgages	Jan 2026 Line of Credit Dec 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`05-8520-0013-00-3`

Property Details

APN / Parcel Number

Primary APN	`05-8520-0013-00-3`
Alternative APN	`11-05-8520-0013-00-3`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,996 sqft Living Area
1st Floor Area	1,996 sqft
Basement Area	1,996 sqft
Unfinished Basement	1,996 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1966
Effective Year Built	Effective 1966
Lot Area	38,046 sqft (0.873 acres)
Lot Width	179 ft Width
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1945 CHAMPLAIN DR
City	NILES
State	MI
Zip	49120-8946
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2 MEDIUM
Legal Description	LOT 13 WEST RIVER TERRACE.
Legal Subdivision	RIVERVIEW MARINA CONDOMINIUMS
Legal Lot Number	13
Legal Unit	13
Jurisdiction	BERRIEN MI
Township / Civil Division	BERTRAND
Census Block Group	2
Census Block	2049
Census Tract	20300

Owner

Source: Berrien County records, as of June 5, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	1945 CHAMPLAIN DR, NILES, MI 49120-8946
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 9, 2026	Deed of Trust, Mortgage · Line of Credit INOVA FCU
Dec 1, 2022	Warranty Deed, Transfer · Conventional Mortgage FIRST FEDERAL SAVINGS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 1, 2022 · Amount on Record
Deed Sale	Dec 1, 2022 · Amount on Record
Prior Sale	Sep 6, 2007 · Amount on Record
Deed Document Number	2022368339
Deed Book / Page	3393 / 2227
Prior Transfer Date	Jan 26, 2009
Prior Transfer Doc	02872/0011
Record Updated	Sep 20, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	1945 CHAMPLAIN DR, NILES, MI 49120-8946
Transaction Type	Mortgage
Record Updated	Feb 17, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1945 CHAMPLAIN DR, NILES, MI 49120-8946

Mortgage

Document Number	003468/799
Date	Jan 9, 2026
Book Page	3468/799
Instrument	2026449712

Lender

Name	INOVA FCU
Type	Credit Union
Address	ELKHART, IN 46516

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Jan 8, 2041

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BERRIEN MI
Recording Date	Dec 1, 2022
Property Address	1945 CHAMPLAIN DR, NILES, MI 49120-8946
Document Number	03393/2227
Book / Page	3393 / 2227
Map Reference	LB 15 PG 40
Instrument Date	Nov 15, 2022
Instrument	2022368339
Transaction Type	Transfer
Record Updated	Nov 9, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,000.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1945 CHAMPLAIN DR, NILES, MI 49120-8946

Mortgage

Document Number	03393/2593
Date	Dec 2, 2022
Book Page	3393/2593
Instrument	2022368447

Lender

Name	FIRST FEDERAL SAVINGS BANK
Type	Bank
Address	ROCHESTER, IN 46975

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Dec 1, 2037

Tax Assessment & Valuation

Source: Berrien County assessment roll, as of June 5, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$256,200 (+13.66%)	$512,400 (+13.66%)
2025	$4,926.00 (+3.03%) Homeowner's exemption	$225,400 (+17.4%)	$450,800 (+17.4%)
2024	$4,781.00 (+42.89%)
2023		$192,000	$384,000
2022	$3,346.00

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

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
Nearest Special Flood Hazard Area	Zone A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	5 in force
Nearby Flood Claims	3 (2018)
Claims Outside the SFHA	3 of 3
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

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	Indirect within ember reach
Adjoins Burnable Land	Yes

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Midwest Energy & Communications.

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