Berrien County property record for 2312 Emerald Dr, Niles, MI 49120
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 925 sqft · built 1967 |
| Lot Size | 0.172 acres (7,492 sqft) |
| Owner | Individual Name on File |
| Last Sale | $95,000 (Aug 2015) |
| Tax Bill | $1,317 (2025) |
| Deeds & Mortgages | Apr 2026 Line of Credit Apr 2026 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 14-2440-0291-00-8 |
| Primary APN | 14-2440-0291-00-8 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 925 sqft Living Area |
| 1st Floor Area | 925 sqft |
| Basement Area | 925 sqft |
| Unfinished Basement | 925 sqft |
| Year Built | Built 1967 |
|---|---|
| Effective Year Built | Effective 1967 |
| Architectural Style | Raised Ranch |
| Lot Area | 7,492 sqft (0.172 acres) |
| Lot Dimensions | 110 ft deep x 68 ft wide |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 2312 EMERALD DR |
|---|---|
| City | NILES |
| State | MI |
| Zip | 49120-4575 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1B |
| Legal Description | LOT 291 FULKERSON PARK NO 4 |
| Legal Subdivision | FULKERSON PARK #4 |
| Legal Lot Number | 291 |
| Legal Unit | 291 |
| Jurisdiction | BERRIEN MI |
| Township / Civil Division | NILES |
| Census Block Group | 3 |
| Census Block | 3016 |
| Census Tract | 21000 |
2312 Emerald Dr is owned and occupied by an individual who bought it in August 2015.
Source: Berrien County records, as of September 28, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 2312 EMERALD DR, NILES, MI 49120-4575 |
| 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.
| Date | Document |
|---|---|
| Apr 6, 2026 | Deed of Trust · Line of Credit FIGURE LENDING LLC |
| Apr 6, 2026 | Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 13, 2015 · Amount on File |
| Deed Sale | Aug 13, 2015 · Amount on File |
| Prior Sale | Dec 22, 2009 · Amount on File |
| Deed Book / Page | 3111 |
| Prior Transfer Date | Mar 31, 2006 |
| Prior Transfer Doc | 02720/1775 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERRIEN MI |
| Recording Date | Apr 6, 2026 |
| Property Address | 2312 EMERALD DR, NILES, MI 49120-4575 |
| Document Number | 0000457653 |
| Book / Page | 3474 / 940 |
| Instrument Date | Mar 27, 2026 |
| Instrument | 2026.457653 |
| Record Updated | May 1, 2026 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES (RE |
| Name | Verified Name |
|---|---|
| Address | 2312 EMERALD DR, NILES, MI 49120-4575 |
| Document Number | 0000457653, |
|---|---|
| Date | Apr 6, 2026 |
| Book Page | 3474/940 |
| Instrument | 2026.457653 |
| Name | FIGURE LENDING LLC |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Apr 22, 2046 |
| Rate | 5.98% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERRIEN MI |
| Recording Date | Apr 6, 2026 |
| Property Address | 2312 EMERALD DR, NILES, MI 49120-4575 |
| Document Number | 003474/940 |
| Book / Page | 3474 / 940 |
| Instrument Date | Mar 27, 2026 |
| Instrument | 2026457653 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES |
| Name | Verified Name |
|---|---|
| Address | 2312 EMERALD DR, NILES, MI 49120-4575 |
| Document Number | 0000457653, |
|---|---|
| Date | Apr 6, 2026 |
| Book Page | 3474/940 |
| Instrument | 2026457653 |
| Name | FIGURE LENDING LLC |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Apr 22, 2046 |
| Rate | 5.98% |
|---|---|
| Max Rate | -1% |
The 2025 property tax bill for 2312 Emerald Dr was $1,317 with a homeowner's exemption, up 2.1% from the year before.
Source: Berrien County assessment roll, as of September 28, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Berrien County |
| County Subdivision | Niles Township |
| Unified School District | Brandywine Community Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $81,800 (-1.68%) | $163,600 (-1.68%) | |
| 2025 | $1,317.00 (+2.09%) Homeowner's exemption | $83,200 | $166,400 |
| 2024 | $1,290.00 | ||
| 2023 | $54,800 | $109,600 | |
| 2022 | $1,165.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2312 Emerald 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 risk around 2312 Emerald Dr 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 | Indirect within ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 296 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · Fixed Wireless, DSL in parts of the area | 5,000 / 5,000 |
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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