2657 Smith St, Niles, MI 49120 Property Records

Cass County property record for 2657 Smith St, Niles, MI 49120

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 864 sqft · built 1960
Lot Size	0.34 acres (14,810 sqft)
Owner	Individual Name on Record
Tax Bill	$1,612 (2025)
Deeds & Mortgages	Mar 2023 Mortgage Oct 2022 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`14-020-170-027-00`

Property Details

APN / Parcel Number

Primary APN	`14-020-170-027-00`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Building Area	864 sqft Building Perimeter
1st Floor Area	864 sqft
Basement Area	864 sqft
Unfinished Basement	864 sqft

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Architectural Style	Ranch
Lot Area	14,810 sqft (0.34 acres)
Garage Area	480 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	2657 SMITH ST
City	NILES
State	MI
Zip	49120-9347
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	. 716D-2 SEC 21 T7S R16W LOTS 27 & 28 LAKEVIEW.
Legal Subdivision	LAKEVIEW
Legal Lot Number	27,28
Jurisdiction	CASS MI
Township / Civil Division	HOWARD
Census Block Group	1
Census Block	1004
Census Tract	1500

Owner

Source: Cass County records, as of October 1, 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	2657 SMITH ST, NILES, MI 49120-9347
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 28, 2023	Deed of Trust, Mortgage UNITED FCU
Oct 6, 2022	Quit Claim Deed, Transfer CHICAGO TITLE/MI, CHICAGO TITLE OF MI INC
Oct 6, 2022	Warranty Deed, Transfer · Conventional Mortgage UNITED FCU

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CASS MI
Property Address	2657 SMITH ST, NILES, MI 49120-9347
Transaction Type	Mortgage
Record Updated	Jun 15, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01230/1401
Date	Mar 28, 2023
Book Page	1230/1401

Lender

Name	UNITED FCU
Type	Credit Union
Address	SAINT JOSEPH, MI 49085

Agreement

Amount	Amount Recorded
Term	120 Months
Due	Mar 27, 2033

October 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CASS MI
Recording Date	Oct 6, 2022
Property Address	2657 SMITH ST, NILES, MI 49120-9347
Document Number	001224/497
Book / Page	1224 / 497
Map Reference	LB 1 PG 95
Instrument Date	Sep 27, 2022
Transaction Type	Transfer
Record Updated	Aug 10, 2023
Title Company	CHICAGO TITLE/MI, CHICAGO TITLE OF MI INC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2657 SMITH ST, NILES, MI 49120-9347

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CASS MI
Recording Date	Oct 6, 2022
Property Address	2657 SMITH ST, NILES, MI 49120-9347
Document Number	001224/500
Book / Page	1224 / 500
Map Reference	LB 1 PG 95
Instrument Date	Sep 23, 2022
Transaction Type	Transfer
Record Updated	Jun 15, 2023
Title Company	CHICAGO TITLE/MI, CHICAGO TITLE OF MI INC

Transaction

Amount	Amount Recorded
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	2657 SMITH ST, NILES, MI 49120-9347

Mortgage

Document Number	0012240503
Date	Oct 6, 2022
Instrument	1224-0503

Lender

Name	UNITED FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2052

Interest

Rate	5.37%
Adjustable	Adjustable Rate Rider
Type Change Date	Oct 1, 2027
Change Frequency	Annually
Min Rate At Change	3.37%
Max Rate At Change	10.3%
Index	1-Year CMT
Max Rate	10.3%

Tax Assessment & Valuation

Source: Cass County assessment roll, as of October 1, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Cass County
County Subdivision	Howard Township
Unified School District	Niles Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$78,200 (+8.61%) Land $78,200	$156,400 (+8.61%) Land $156,400
2025	$1,612.00 (+45.75%) Homeowner's exemption	$72,000 (-7.57%) Land $72,000	$144,000 (-7.57%) Land $144,000
2023		$77,900	$155,800
2022	$1,106.00

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 5, 2007

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

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

Wildfire Risk	Low lower than 98% of the US · lower than 95% 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 127 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Surf Internet Fiber	8,000 / 8,000
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20

May also be available: AT&T.

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