2420 Bluff St, Niles, MI 49120 Property Records

Berrien County property record for 2420 Bluff St, Niles, MI 49120

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,442 sqft · built 1956
Lot Size	0.513 acres (22,346 sqft)
Owner	Individual Name on Record
Last Sale	$85,000 (Jul 2010)
Tax Bill	$2,151 (2025)
Deeds & Mortgages	Mar 2021 Line of Credit Oct 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`14-3120-0011-01-5`

Property Details

APN / Parcel Number

Primary APN	`14-3120-0011-01-5`
Alternative APN	`11-14-3120-0011-01-5`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,442 sqft Living Area
1st Floor Area	1,442 sqft
Basement Area	1,442 sqft
Unfinished Basement	1,442 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1956
Architectural Style	Raised Ranch
Lot Area	22,346 sqft (0.513 acres)
Lot Dimensions	149 ft deep x 150 ft wide
Garage Area	598 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Floor/Wall Furnace

Location & Zoning

Street Address	2420 BLUFF ST
City	NILES
State	MI
Zip	49120-1116
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1A
Legal Description	LOTS 11 & 12 HIGHLAND PARK
Legal Subdivision	ND PARK
Legal Lot Number	11-12
Jurisdiction	BERRIEN MI
Township / Civil Division	NILES
Census Block Group	2
Census Block	2002
Census Tract	20500

Owner

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 Record
Mailing Address	2420 BLUFF ST, NILES, MI 49120-1116
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 2, 2021	Deed of Trust, Mortgage · Line of Credit FIRST STATE BANK OF MIDDLEBURY
Oct 11, 2019	Intrafamily Transfer, Transfer · Conventional Mortgage FIRST STATE BANK OF MIDDLEBURY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 6, 2010 · Amount on Record
Deed Sale	Jul 6, 2010 · Amount on Record
Deed Book / Page	2925 / 1955
Last Transfer Date	Oct 7, 2019
Transfer Doc	3252002526
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	2420 BLUFF ST, NILES, MI 49120-1116
Transaction Type	Mortgage
Record Updated	Nov 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	03315/2436
Date	Mar 2, 2021
Book Page	3315/2436

Lender

Name	FIRST STATE BANK OF MIDDLEBURY
Type	Bank
Address	MIDDLEBURY, IN 46540

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Mar 10, 2041

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BERRIEN MI
Recording Date	Oct 11, 2019
Property Address	2420 BLUFF ST, NILES, MI 49120-1116
Document Number	03252/2526
Book / Page	3252 / 2526
Map Reference	LB 13 PG 36
Instrument Date	Oct 7, 2019
Transaction Type	Transfer
Record Updated	Nov 9, 2023
Title Company	MERIDIAN TITLE CORPORATION

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2420 BLUFF ST, NILES, MI 49120-1116

Mortgage

Document Number	0032522529
Date	Oct 11, 2019
Instrument	3252/2529

Lender

Name	FIRST STATE BANK OF MIDDLEBURY
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Nov 1, 2034

Tax Assessment & Valuation

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		$114,700 (+34.31%)	$229,400 (+34.31%)
2025	$2,151.00 (+6.59%)
2023		$85,400	$170,800
2022	$2,018.00

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

Flood

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force
Nearby Flood Claims	7 (2008–2018)
Most Recent Claim	Feb 2018 · river or lake flooding

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

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

Wildfire Risk	Low lower than 95% of the US · lower than 89% of Michigan
Wildfire Likelihood	Under 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 24 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
Mercury Fiber Fixed Wireless	150 / 20
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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