2147 Spansail Dr, Niles, MI 49120 Property Records

Berrien County property record for 2147 Spansail Dr, Niles, MI 49120

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,164 sqft · built 1974
Lot Size	0.23 acres (10,019 sqft)
Owner	Individual Name on File
Last Sale	$80,500 (Jul 2021)
Tax Bill	$1,863 (2025)
Deeds & Mortgages	Feb 2018 Line of Credit Nov 2022 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`14-5610-0397-00-8`

Property Details

APN / Parcel Number

Primary APN	`14-5610-0397-00-8`
Alternative APN	`11-14-5610-0397-00-8`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,164 sqft Living Area
1st Floor Area	1,164 sqft

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Architectural Style	Raised Ranch
Lot Area	10,019 sqft (0.23 acres)
Lot Dimensions	143 ft deep x 70 ft wide
Garage Area	600 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2147 SPANSAIL DR
City	NILES
State	MI
Zip	49120-3756
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1B
Legal Description	LOT 397, OAK MANOR NO. 4.
Legal Subdivision	OAK MANOR #4
Legal Lot Number	397
Legal Unit	397
Jurisdiction	BERRIEN MI
Township / Civil Division	NILES
Census Block Group	1
Census Block	1007
Census Tract	21000

Owner

2147 Spansail Dr is owned by an individual who bought it in July 2021.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	61456 OAK RD, SOUTH BEND, IN 46614-9347
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 20, 2018	Deed of Trust, Mortgage · Line of Credit MICHIGAN STATE UNIVERSITY FCU
Nov 17, 2022	Deed of Trust, Mortgage · Line of Credit LAKE CITY BANK
Jul 13, 2021	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 13, 2021 · Amount on File
Deed Sale	Jul 13, 2021 · Amount on File
Prior Sale	Jun 15, 2006 · Amount on File
Deed Book / Page	3335 / 2916
Record Updated	Oct 29, 2026

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	2147 SPANSAIL DR, NILES, MI 49120-3756
Transaction Type	Mortgage
Record Updated	Nov 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	03197/1967
Date	Feb 20, 2018
Book Page	3197/1967

Lender

Name	MICHIGAN STATE UNIVERSITY FCU
Type	Credit Union
Address	EAST LANSING, MI 48823

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	119 Months
Due	Jan 28, 2028

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	2147 SPANSAIL DR, NILES, MI 49120-3756
Transaction Type	Mortgage
Record Updated	Nov 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2147 SPANSAIL DR, NILES, MI 49120-3756

Mortgage

Document Number	03392/1644
Date	Nov 17, 2022
Book Page	3392/1644
Instrument	2022367437

Lender

Name	LAKE CITY BANK
Type	Bank
Address	WARSAW, IN 46581

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Nov 4, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BERRIEN MI
Recording Date	Jul 13, 2021
Property Address	2147 SPANSAIL DR, NILES, MI 49120-3756
Document Number	03335/2916
Book / Page	3335 / 2916
Instrument Date	Jul 12, 2021
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	$692.30
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	2147 SPANSAIL DR, NILES, MI 49120-3756

Mortgage

Document Number	0033352919
Date	Jul 13, 2021
Instrument	3335/2919

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 2147 Spansail Dr was $1,863.

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	Niles Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$77,400	$154,800
2025	$1,863.00
2023		$60,800	$121,600
2022	$2,654.00

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

Flood

FEMA maps place 2147 Spansail Dr in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 10, 2024

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 2147 Spansail Dr has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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 serves 14,215 people · EPA ID MI0004740
Water Source	Groundwater
Last State Inspection	Jun 2024
Lead	2 ppb (2025) 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 416 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.

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