197 Holmes Dr, Buchanan, MI 49107 Property Records

Berrien County property record for 197 Holmes Dr, Buchanan, MI 49107

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,122 sqft · built 2019
Lot Size	0.719 acres (31,320 sqft)
Owner	2 Company Names on Record
Last Sale	$392,000 (Jun 2025)
Tax Bill	$5,480 (2025)
Deeds & Mortgages	Oct 2025 Line of Credit Jan 2024 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`14-7050-0012-00-1`

Property Details

APN / Parcel Number

Primary APN	`14-7050-0012-00-1`
Alternative APN	`11-14-7050-0012-00-1`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,122 sqft Living Area
1st Floor Area	2,122 sqft
Basement Area	2,122 sqft
Unfinished Basement	2,121 sqft

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Architectural Style	Raised Ranch
Lot Area	31,320 sqft (0.719 acres)
Lot Dimensions	261 ft deep x 120 ft wide
Garage Area	483 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	197 HOLMES DR
City	BUCHANAN
State	MI
Zip	49107-8466
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1A
Legal Description	LOT 12, SAMSON TERRACE.
Legal Subdivision	SAMSON TERRACE
Legal Lot Number	12
Legal Unit	12
Jurisdiction	BERRIEN MI
Township / Civil Division	NILES
Census Block Group	3
Census Block	3011
Census Tract	20400

Owner

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

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

Owner of Record	2 Company Names on Record
Mailing Address	197 HOLMES DR, BUCHANAN, MI 49107-8466
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Oct 1, 2025	Deed of Trust, Mortgage · Line of Credit UNITED FCU
Jan 30, 2024	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA
Oct 19, 2021	Deed of Trust, Mortgage · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Jul 13, 2020	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Aug 16, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 9, 2025 · Amount on Record
Deed Sale	Jun 9, 2025 · Amount on Record
Prior Sale	Jul 13, 2020 · Amount on Record
Deed Document Number	2025434342
Deed Book / Page	3452 / 2101
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	197 HOLMES DR, BUCHANAN, MI 49107-8466
Transaction Type	Mortgage
Record Updated	Oct 27, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	197 HOLMES DR, BUCHANAN, MI 49107-8466

Mortgage

Document Number	003461/663
Date	Oct 1, 2025
Book Page	3461/663
Instrument	2025442955

Lender

Name	UNITED FCU
Type	Credit Union
Address	SAINT JOSEPH, MI 49085

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	119 Months
Due	Sep 25, 2035

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	197 HOLMES DR, BUCHANAN, MI 49107-8466
Transaction Type	Mortgage
Record Updated	Feb 19, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	197 HOLMES DR, BUCHANAN, MI 49107-8466

Mortgage

Document Number	03419/4280
Date	Jan 30, 2024
Book Page	3419/4280
Instrument	2024397254

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	PROVIDENCE, RI 02903

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Jan 24, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	197 HOLMES DR, BUCHANAN, MI 49107-8466
Transaction Type	Mortgage
Record Updated	Nov 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	197 HOIMES DR, BUCHANAN, MI 49107-8466

Mortgage

Document Number	003349/554
Date	Oct 19, 2021
Book Page	3349/554

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company
Address	COLUMBIA, MO 65203

Agreement

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

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BERRIEN MI
Recording Date	Jul 13, 2020
Property Address	197 HOLMES DR, BUCHANAN, MI 49107-8466
Document Number	003282/914
Book / Page	3282 / 914
Map Reference	LB 13 PG 44
Instrument Date	Jun 29, 2020
Transaction Type	Transfer
Record Updated	Nov 9, 2023
Title Company	CHICAGO TITLE/MI, CHICAGO TITLE OF MI INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,571.40
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	197 HOLMES DR, BUCHANAN, MI 49107-8466

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	197 HOLMES DR, BUCHANAN, MI 49107-8466

Mortgage

Document Number	0003282918
Date	Jul 13, 2020
Instrument	3282/918

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2050

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BERRIEN MI
Recording Date	Aug 16, 2018
Property Address	197 HOLMES DR, BUCHANAN, MI 49107-8466
Document Number	03214/1108
Book / Page	3214 / 1108
Map Reference	VOL13 PG44
Instrument Date	Aug 15, 2018
Transaction Type	Transfer
Record Updated	Nov 9, 2023

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	312 ROSS DR, BUCHANAN, MI 49107-9438

Tax Assessment & Valuation

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		$221,700 (+20.82%)	$443,400 (+20.82%)
2025	$5,480.00 (+17.62%)
2023		$183,500	$367,000
2022	$4,659.00

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

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 97% of the US · lower than 93% of Michigan
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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 115 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

May also be available: Mercury Fiber.

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