214 Clay St, Niles, MI 49120 Property Records

Berrien County property record for 214 Clay St, Niles, MI 49120

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,440 sqft · built 1920
Lot Size	0.107 acres (4,661 sqft)
Owner	Individual Name on File
Last Sale	$69,000 (Apr 2022)
Tax Bill	$1,492 (2025)
Deeds & Mortgages	Apr 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`74-0990-0029-01-9`

Property Details

APN / Parcel Number

Primary APN	`74-0990-0029-01-9`
Alternative APN	`11-74-0990-0029-01-9`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Building Area	1,440 sqft Living Area
1st Floor Area	720 sqft
Basement Area	720 sqft
Unfinished Basement	720 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Lot Area	4,661 sqft (0.107 acres)
Lot Dimensions	83 ft deep x 56 ft wide
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	214 CLAY ST
City	NILES
State	MI
Zip	49120-2808
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	LDR
Legal Description	THE E 56' OF LOT 8 & E 56' OF N 17.5' OF LOT 7 BLK 6 J BROOKFIELD ADD CITY OF NILES
Legal Subdivision	J BROOKFIELD ADD
Legal Block	6
Legal Lot Number	7-8
Legal Unit	8,7
Jurisdiction	BERRIEN MI
Township / Civil Division	NILES
Census Block Group	4
Census Block	4001
Census Tract	20600

Owner

214 Clay St is owned and occupied by an individual who bought it in April 2022.

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

Owner of Record	Individual Name on File
Mailing Address	214 CLAY ST, NILES, MI 49120-2808
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	Apr 6, 2022 · Amount on File
Deed Sale	Apr 6, 2022 · Amount on File
Prior Sale	May 23, 2005 · Amount on File
Deed Document Number	2022349738
Deed Book / Page	3370 / 338
Prior Transfer Date	Sep 16, 2015
Prior Transfer Doc	03115/1991
Record Updated	Oct 29, 2026

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BERRIEN MI
Recording Date	Apr 6, 2022
Property Address	214 CLAY ST, NILES, MI 49120-2808
Document Number	003370/338
Book / Page	3370 / 338
Map Reference	LB O PG 444
Instrument Date	Mar 28, 2022
Instrument	2022349738
Transaction Type	Transfer
Record Updated	Nov 9, 2023
Title Company	CHICAGO TITLE/MI, CHICAGO TITLE OF MI INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$517.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	214 CLAY ST, NILES, MI 49120-2808

Mortgage

Document Number	0003370341
Date	Apr 6, 2022
Instrument	3370/341

Lender

Name	FLAGSTAR BANK FSB
Type	Bank

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 214 Clay St was $1,492 with a homeowner's exemption, up 2.4% from the year before.

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		$54,400 (-1.45%)	$108,800 (-1.45%)
2025	$1,492.00 (+2.4%) Homeowner's exemption	$55,200	$110,400
2024	$1,457.00
2023		$36,600	$73,200
2022	$1,280.00

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

Flood

FEMA maps place 214 Clay St in Zone X, an area of minimal flood risk, though there have been 2 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 Claims	2 (1981)
Most Recent Claim	May 1981 · rainfall accumulation

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 214 Clay 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	None beyond ember reach

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 TOWNSHIP serves 2,270 people · EPA ID MI0004750
Water Source	Groundwater
Last State Inspection	Jun 2025
Lead	2 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	30 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 377 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: Mercury Fiber, Midwest Energy & Communications.

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