218 E Merchant St, New Buffalo, MI 49117 Property Records

Berrien County property record for 218 E Merchant St, New Buffalo, MI 49117

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,293 sqft · built 2007
Lot Size	1 acres (43,560 sqft)
Owner	2 Individual Names on File
Tax Bill	$11,864 (2025)
Deeds & Mortgages	Mar 2024 Line of Credit Aug 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`62-4960-0005-00-1`

Property Details

APN / Parcel Number

Primary APN	`62-4960-0005-00-1`
Alternative APN	`11-62-4960-0005-00-1`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,293 sqft Living Area
1st Floor Area	862 sqft
Basement Area	862 sqft
Unfinished Basement	862 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Lot Area	43,560 sqft (1 acres)
Garage Area	208 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	218 E MERCHANT ST
City	NEW BUFFALO
State	MI
Zip	49117-1132
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	UNIT 5 MERCHANT STREET COTTAGES LIBER 269 PAGE 1
Legal Subdivision	MERCHANT STREET COTTAGES
Legal Unit	5
Jurisdiction	BERRIEN MI
Township / Civil Division	NEW BUFFALO
Census Block Group	2
Census Block	2117
Census Tract	11301

Owner

218 E Merchant St, a single family home, is owned by two individuals.

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

Owner of Record	2 Individual Names on File
Mailing Address	446 STEWART AVE, PARK RIDGE, IL 60068-4134
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

Date	Document
Mar 13, 2024	Deed of Trust, Mortgage · Line of Credit GOLD COAST BANK (CHICAGO IL
Aug 29, 2019	Deed of Trust, Mortgage · Conventional Mortgage GOLD COAST BANK (CHICAGO IL
Jun 11, 2018	Warranty Deed, Transfer · Conventional Mortgage GOLD COAST BANK (CHICAGO IL)

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	218 E MERCHANT ST, NEW BUFFALO, MI 49117-1132
Transaction Type	Mortgage
Record Updated	Apr 12, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	03422/2003
Date	Mar 13, 2024
Book Page	3422/2003
Instrument	2024401399

Lender

Name	GOLD COAST BANK (CHICAGO IL
Type	Bank
Address	CHICAGO, IL 60610

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	121 Months
Due	Apr 1, 2034

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	218 E MERCHANT ST, NEW BUFFALO, MI 49117-1132
Transaction Type	Mortgage
Record Updated	Nov 9, 2023
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	03247/2804
Date	Aug 29, 2019
Book Page	3247/2804

Lender

Name	GOLD COAST BANK (CHICAGO IL
Type	Bank
Address	CHICAGO, IL 60610

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2049

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BERRIEN MI
Recording Date	Jun 11, 2018
Property Address	218 E MERCHANT ST, NEW BUFFALO, MI 49117-1132
Document Number	03208/0395
Book / Page	3208 / 0395
Instrument Date	Jun 8, 2018
Transaction Type	Transfer
Record Updated	Nov 9, 2023
Title Company	MERIDIAN TITLE

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	446 STEWART AVE, PARK RIDGE, IL 60068-4134

Mortgage

Document Number	0003208397
Date	Jun 11, 2018
Instrument	3208/397

Lender

Name	GOLD COAST BANK (CHICAGO IL)
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 218 E Merchant St was $11,864.

Source: Berrien County assessment roll, as of September 28, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Berrien County
Municipality	New Buffalo City
Unified School District	New Buffalo Area School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$464,100	$928,200
2025	$11,864.00
2023		$271,400	$542,800
2022	$10,081.00

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

Flood

FEMA maps place 218 E Merchant St in Zone X, an area of minimal flood risk.

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
Flood Insurance Cost	Premium on File median of 10 policies
Nearby Flood Policies	10 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

Wildfire risk around 218 E Merchant 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	NEW BUFFALO TOWNSHIP serves 2,845 people · EPA ID MI0004685
Water Source	Purchased surface water from several systems
Last State Inspection	Apr 2025
Lead	2 ppb (2020–2022) 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 243 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
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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