209 W 4th St, Buchanan, MI 49107 Property Records

Berrien County property record for 209 W 4th St, Buchanan, MI 49107

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 982 sqft · built 1890
Lot Size	0.098 acres (4,269 sqft)
Owner	Individual Name on File
Last Sale	$165,000 (Nov 2022)
Tax Bill	$2,312 (2025)
Deeds & Mortgages	Nov 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`58-6860-0011-02-6`

Property Details

APN / Parcel Number

Primary APN	`58-6860-0011-02-6`
Alternative APN	`11-58-6860-0011-02-6`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Building Area	982 sqft Living Area
1st Floor Area	982 sqft
Basement Area	408 sqft
Unfinished Basement	408 sqft

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Lot Area	4,269 sqft (0.098 acres)
Lot Dimensions	85 ft deep x 50 ft wide

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	209 W 4TH ST
City	BUCHANAN
State	MI
Zip	49107-1207
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1 SIN
Legal Description	COM 66'N & 165' E OF SW COR LOT 11 ROSS & ALEXANDERS 2ND ADD TO CITY OF BUCHANAN TH E 49.5'TH N TO S LN OF 4TH ST TH W 49.5'TH S TO POB ALSO A STRIP OF LAND LYING BETWEEN THE ABOVE DESC LAND & OLD CEMETARY COM AT NE COR SD LOT 11 TH S TO THE LN BET L
Legal Subdivision	ROSS & ALEXANDERS SECOND ADDITION
Legal Lot Number	11-12
Jurisdiction	BERRIEN MI
Township / Civil Division	BUCHANAN
Census Block Group	5
Census Block	5004
Census Tract	20200

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Buchanan North and West Neighborhoods Historic District listed 2011 · 575 contributing resources · NRIS 11000863

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

209 W 4th St is owned and occupied by an individual who bought it in November 2022.

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

Owner of Record	Individual Name on File
Mailing Address	209 W 4TH ST, BUCHANAN, MI 49107-1207
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 1, 2022 · Amount on File
Deed Sale	Nov 1, 2022 · Amount on File
Prior Sale	Apr 26, 2016 · Amount on File
Deed Document Number	2022366128
Deed Book / Page	3390 / 2191
Prior Transfer Date	Jan 16, 2014
Prior Transfer Doc	03062/0852
Record Updated	Oct 29, 2026

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BERRIEN MI
Recording Date	Nov 1, 2022
Property Address	209 W 4TH ST, BUCHANAN, MI 49107-1207
Document Number	03390/2191
Book / Page	3390 / 2191
Map Reference	MB 27 PG 14
Instrument Date	Oct 31, 2022
Instrument	2022366128
Transaction Type	Transfer
Record Updated	Nov 9, 2023
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,237.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1382 LEISURE LN, BUCHANAN, MI 49107-9446

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	209 W 4TH ST, BUCHANAN, MI 49107-1207
Investor	Possibly a Property Investor

Mortgage

Document Number	0033902194
Date	Nov 1, 2022
Instrument	3390-2194

Lender

Name	UNITED FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	6%
Adjustable	Adjustable Rate Rider
Type Change Date	Nov 1, 2027
Change Frequency	Annually
Min Rate At Change	4%
Max Rate At Change	11%
Index	1-Year CMT
Max Rate	11%

Tax Assessment & Valuation

The 2025 property tax bill for 209 W 4th St was $2,312 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	Buchanan City
Unified School District	Buchanan Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$63,800	$127,600
2025	$2,312.00
2023		$54,800	$109,600
2022	$1,678.00

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 209 W 4th St in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1981.

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	3 in force
Nearby Flood Claims	3 (1981–1982)
Most Recent Claim	Mar 1982 · tidal / storm surge

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 209 W 4th 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	BUCHANAN serves 4,871 people · EPA ID MI0000960
Water Source	Groundwater
Last State Inspection	Oct 2024
Lead	3 ppb (2024–2026) 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 405 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20

May also be available: Mercury Fiber.

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