2913 Niles Ave, Saint Joseph, MI 49085 Property Records

Berrien County property record for 2913 Niles Ave, Saint Joseph, MI 49085

Property Summary

Property Type	Retail Stores (Personal Services, Photography, Travel)
Details	7,644 sqft · built 1975
Lot Size	2.05 acres (89,472 sqft)
Owner	Company Name on File
Last Sale	$500,000 (May 2026)
Tax Bill	$14,280 (2025)
Deeds & Mortgages	May 2026 Sale & Mortgage Dec 2021 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`76-7260-0008-02-1`

Property Details

APN / Parcel Number

Primary APN	`76-7260-0008-02-1`
Alternative APN	`11-76-7260-0008-02-1`

Interior

Stories	1 Story
Building Area	7,644 sqft Total Area

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Fire Resistance	Masonry Walls, Wood Interior
Lot Area	89,472 sqft (2.05 acres)
Lot Dimensions	182 ft deep x 401 ft wide

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	2913 NILES AVE
City	SAINT JOSEPH
State	MI
Zip	49085-2417
Property Category	Commercial
Property Type	Commercial > Retail > Retail Stores (Personal Services, Photography, Travel)
Local Zoning Code	C
Legal Description	LOTS 8 9 & 10 SOUTHTOWN EXC TH S 7.75' OF SD LOT 8 ALSO 35 PER CENT OF PARKING LOT & ALLEY
Legal Subdivision	SOUTHTOWN SUBDIVISION
Legal Lot Number	8-10
Legal Unit	8,8
Jurisdiction	BERRIEN MI
Township / Civil Division	ST. JOSEPH
Census Block Group	2
Census Block	2021
Census Tract	1000

Owner

2913 Niles Ave, a commercial property, is owned by a company that bought it in May 2026.

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	Company Name on File
Mailing Address	1845 DERFLA DR, SAINT JOSEPH, MI 49085-9637
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
May 28, 2026	Warranty Deed, Transfer · Conventional Mortgage HONOR CREDIT UNION
Dec 17, 2021	Warranty Deed, Transfer
Apr 17, 2017	Land Contract, Transfer ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 28, 2026 · Amount on File
Deed Sale	May 28, 2026 · Amount on File
Prior Sale	Dec 17, 2021 · Amount on File
Deed Document Number	2026461830
Deed Book / Page	3478 / 1625
Record Updated	Oct 29, 2026

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BERRIEN MI
Recording Date	May 28, 2026
Property Address	2913 NILES AVE, SAINT JOSEPH, MI 49085-2417
Document Number	0000461830
Book / Page	3478 / 1625
Instrument Date	May 22, 2026
Instrument	2026461830
Transaction Type	Transfer
Record Updated	Jun 22, 2026
Title Company	CHICAGO TITLE MERIDIAN, CHICAGO TITLE OF MICHIGAN

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$378,750.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership
Address	1845 DERFLA DR, SAINT JOSEPH, MI 49085-9637

Mortgage

Document Number	0000461831,
Date	May 28, 2026
Book Page	3478/1630
Instrument	2026461831

Lender

Name	HONOR CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate	6.3%
Max Rate	-1%

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BERRIEN MI
Recording Date	Dec 17, 2021
Property Address	2913 NILES AVE, SAINT JOSEPH, MI 49085-2417
Document Number	03357/1618
Book / Page	3357 / 1618
Map Reference	LB 22 PG 42
Instrument Date	Dec 10, 2021
Instrument	2021338205
Transaction Type	Transfer
Record Updated	Nov 9, 2023

Transaction

Amount	Amount on Record
Tax	$750.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Partial Interest Partial Parcel

Transferred From (Grantor/Seller)

Name	Verified Name
Address	454 DUNE RDG S, SAINT JOSEPH, MI 49085-1081

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	46171 COUNTY ROAD 374, PAW PAW, MI 49079-9617

April 2017: Land Contract, Transfer

Document Type	Land Contract
Jurisdiction	BERRIEN MI
Recording Date	Apr 17, 2017
Property Address	2913 NILES AVE, SAINT JOSEPH, MI 49085-2417
Document Number	03169/1628
Book / Page	3169 / 1628
Map Reference	LB22 PG42
Instrument Date	Nov 19, 2015
Transaction Type	Transfer
Record Updated	Nov 9, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name
Address	454 DUNE RDG S, SAINT JOSEPH, MI 49085-1081

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	46171 COUNTY ROAD 374, PAW PAW, MI 49079-9617

Tax Assessment & Valuation

The 2025 property tax bill for 2913 Niles Ave was $14,280, up 2.7% from the year before.

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

Property Jurisdictions

Type	Name
State	Michigan
County	Berrien County
Municipality	St. Joseph City
Unified School District	St. Joseph Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$248,200 (-8.21%)	$496,400 (-8.21%)
2025	$14,280.00 (+2.65%)	$270,400	$540,800
2024	$13,911.00
2023		$234,500	$469,000
2022	$12,698.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 2913 Niles Ave 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
Nearby Flood Policies	1 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

The area around 2913 Niles Ave 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	SOUTHWEST MICHIGAN REGIONAL SANITARY SEW serves 26,780 people · EPA ID MI0003726
Water Source	Purchased surface water from ST JOSEPH
Last State Inspection	Feb 2025
Lead	1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 269 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Mercury Fiber.

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