2995 Pine Lake St, Niles, MI 49120 Property Records

Cass County property record for 2995 Pine Lake St, Niles, MI 49120

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,680 sqft · built 2001
Lot Size	4.14 acres (180,338 sqft)
Owner	2 Individual Names on File
Last Sale	$275,000 (Nov 2021)
Tax Bill	$3,365 (2025)
Deeds & Mortgages	Feb 2017 Mortgage Apr 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`14-020-280-027-00`

Property Details

APN / Parcel Number

Primary APN	`14-020-280-027-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,680 sqft Building Perimeter
1st Floor Area	1,680 sqft
Basement Area	1,680 sqft
Unfinished Basement	1,680 sqft

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Architectural Style	Modular
Lot Area	180,338 sqft (4.14 acres)
Garage Area	576 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	2995 PINE LAKE ST
City	NILES
State	MI
Zip	49120-9479
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	. 892C-3 SECS 22 & 23 T7S R16W LOT 27 WOODLAND ACRES.
Legal Subdivision	WOOLAND ACRES
Legal Lot Number	27
Jurisdiction	CASS MI
Township / Civil Division	HOWARD
Census Block Group	3
Census Block	3032
Census Tract	2202

Owner

2995 Pine Lake St is owned and occupied by two individuals who bought it in November 2021.

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	2 Individual Names on File
Mailing Address	2995 PINE LAKE ST, NILES, MI 49120-9479
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Al (and Others)

Deeds, Mortgages & Sale History

Date	Document
Feb 13, 2017	Deed of Trust, Mortgage · FHA Mortgage WELLS FARGO BANK NA
Apr 17, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED FCU
Apr 26, 2021	Deed of Trust, Mortgage · Line of Credit UNITED FCU
Nov 15, 2021	Warranty Deed, Transfer · FHA Mortgage RUOFF MORTGAGE COMPANY INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 15, 2021 · Amount on File
Deed Sale	Nov 15, 2021 · Amount on File
Prior Sale	Aug 24, 2015 · Amount on File
Deed Book / Page	1207 / 1152
Prior Transfer Date	Jan 20, 2006
Prior Transfer Doc	0957/2014
Record Updated	Oct 29, 2026

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CASS MI
Property Address	2995 PINE LAKE ST, NILES, MI 49120-9479
Transaction Type	Mortgage
Record Updated	May 3, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01118/2156
Date	Feb 13, 2017
Book Page	1118/2156

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2047

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CASS MI
Property Address	2995 PINE LAKE ST, NILES, MI 49120-9479
Transaction Type	Mortgage
Record Updated	May 3, 2022
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TTL CO LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01170/1299
Date	Apr 17, 2020
Book Page	1170/1299

Lender

Name	UNITED FCU
Type	Credit Union
Address	CLOVERDALE, MI 49035

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	May 1, 2035

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CASS MI
Property Address	2995 PINE LAKE ST, NILES, MI 49120-9479
Transaction Type	Mortgage
Record Updated	May 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01194/2220
Date	Apr 26, 2021
Book Page	1194/2220

Lender

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

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Apr 25, 2031

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CASS MI
Recording Date	Nov 15, 2021
Property Address	2995 PINE LAKE ST, NILES, MI 49120-9479
Document Number	01207/1152
Book / Page	1207 / 1152
Map Reference	LB 1-E PG 247
Instrument Date	Oct 28, 2021
Transaction Type	Transfer
Record Updated	May 3, 2022
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,365.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	AL

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2995 PINE LAKE ST, NILES, MI 49120-9479

Mortgage

Document Number	0012071154
Date	Nov 15, 2021
Instrument	1207/1154

Lender

Name	RUOFF MORTGAGE COMPANY INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 2995 Pine Lake St was $3,365 with a homeowner's exemption, up 2.8% from the year before.

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		$185,200 (+18.79%) Land $185,200	$370,400 (+18.79%) Land $370,400
2025	$3,365.00 (+2.84%) Homeowner's exemption	$155,900 Land $155,900	$311,800 Land $311,800
2024	$3,272.00
2023		$119,000	$238,000
2022	$3,142.00

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 2995 Pine Lake St in Zone X, an area of minimal flood risk.

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

Wildfire risk around 2995 Pine Lake St 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	Direct burnable vegetation

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 58 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

Cell Coverage

5G (outdoors only) and 4G LTE

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