2945 Copp Rd, Niles, MI 49120 Property Records

Berrien County property record for 2945 Copp Rd, Niles, MI 49120

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,389 sqft · built 1972
Lot Size	0.903 acres (39,337 sqft)
Owner	2 Individual Names on File
Last Sale	$100 (May 1993)
Tax Bill	$2,576 (2025)
Deeds & Mortgages	Nov 2016 Line of Credit Jan 2026 Transfer + 1 more
Flood Zone	Zone A (high risk)
APN	`05-0122-0002-00-9`

Property Details

APN / Parcel Number

Primary APN	`05-0122-0002-00-9`
Alternative APN	`11-05-0122-0002-00-9`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,389 sqft Living Area
1st Floor Area	1,389 sqft
Basement Area	1,389 sqft
Unfinished Basement	1,389 sqft

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Lot Area	39,337 sqft (0.903 acres)
Lot Width	475 ft Width
Garage Area	312 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Baseboard
Heating Fuel	Electric

Location & Zoning

Street Address	2945 COPP RD
City	NILES
State	MI
Zip	49120-8776
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2 MEDIUM
Legal Description	COM ON E LN OF COPP RD 745' S & 160.1' E OF N1/4 PST FRL SEC 22 T8S R17W TH NLY ON E LN OF RD 464.45' MOL TO A PT 285' S OF N SEC LN TH E TO RIVER TH SLY ALONG RIVER TO PT 25' E OF BEG TH W 25' TO POB
Legal Range	17W
Legal Township	08S
Legal Section	22
Jurisdiction	BERRIEN MI
Township / Civil Division	BERTRAND
Census Block Group	2
Census Block	2066
Census Tract	20300

Owner

2945 Copp Rd is owned and occupied by two individuals who acquired it in November 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	2945 COPP RD, NILES, MI 49120-8776
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

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
Nov 14, 2016	Deed of Trust, Mortgage · Line of Credit 1ST SOURCE BANK
Jan 30, 2026	Intrafamily Transfer, Transfer
Oct 4, 2006	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 10, 1993 · Amount on File
Deed Sale	May 10, 1993 · Amount on File
Deed Book / Page	1572 / 1334
Last Transfer Date	Nov 26, 2025
Transfer Doc	03469/1534
Record Updated	Oct 29, 2026

November 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	2945 COPP RD, NILES, MI 49120-8776
Transaction Type	Mortgage
Record Updated	Feb 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	03154/2402
Date	Nov 14, 2016
Book Page	3154/2402

Lender

Name	1ST SOURCE BANK
Type	Bank
Address	SOUTH BEND, IN 46601

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	205 Months
Due	Dec 1, 2033

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BERRIEN MI
Recording Date	Jan 30, 2026
Property Address	2945 COPP RD, NILES, MI 49120-8776
Document Number	03469/1534
Book / Page	3469 / 1534
Instrument Date	Nov 26, 2025
Instrument	2026450951
Transaction Type	Transfer
Record Updated	Feb 23, 2026

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
Relationship	Revocable Trust
Address	2945 COPP RD, NILES, MI 49120-8776

October 2006: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BERRIEN MI
Recording Date	Oct 4, 2006
Property Address	2945 COPP RD, NILES, MI 49120-8776
Document Number	02748/0809
Book / Page	2748 / 0809
Instrument Date	Oct 3, 2006
Transaction Type	Transfer
Record Updated	Feb 23, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2945 COPP RD, NILES, MI 49120-8776

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	2945 COPP RD, NILES, MI 49120-8776

Tax Assessment & Valuation

The 2025 property tax bill for 2945 Copp Rd was $2,576 with a homeowner's exemption, up 3% from the year before.

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

Property Jurisdictions

Type	Name
State	Michigan
County	Berrien County
County Subdivision	Bertrand Township
Unified School District	Brandywine Community Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$173,400 (+13.19%)	$346,800 (+13.19%)
2025	$2,576.00 (+3.04%) Homeowner's exemption	$153,200	$306,400
2024	$2,500.00
2023		$127,900	$255,800
2022	$2,274.00

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

Flood

FEMA maps place 2945 Copp Rd in Zone A, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective September 10, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
Nearby Flood Policies	5 in force
Nearby Flood Claims	3 (2018)
Claims Outside the SFHA	3 of 3
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

Wildfire risk around 2945 Copp Rd is low, with less than 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 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 42 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Midwest Energy & Communications Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

Cell Coverage

5G (outdoors only) and 4G LTE

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