303 E Merchant St, New Buffalo, MI 49117 Property Records

Berrien County property record for 303 E Merchant St, New Buffalo, MI 49117

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,040 sqft · built 1920
Lot Size	0.3 acres (13,068 sqft)
Owner	Individual Name on File
Tax Bill	$5,874 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Sep 2020 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`62-1150-0022-01-0`

Property Details

APN / Parcel Number

Primary APN	`62-1150-0022-01-0`
Alternative APN	`11-62-1150-0022-01-0`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,040 sqft Living Area
1st Floor Area	1,040 sqft
Basement Area	1,040 sqft
Unfinished Basement	1,040 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Lot Area	13,068 sqft (0.3 acres)
Lot Dimensions	198 ft deep x 54 ft wide

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	303 E MERCHANT ST
City	NEW BUFFALO
State	MI
Zip	49117-1133
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2
Legal Description	SPLIT/COMBINED ON 01/05/2021 WITH 62-1150-0002-01-6, 62-1150-0022-00-9, 62-1150-0023-00-5 COM AT NE COR OF LOT 22 CENTRAL ADD TO VILLAGE OF NEW BUFFALO TH S29DEG29'01E 128.27' TH S60DEG26'22"W 104.31' TH N29DEG46'46"W 127.46' TH N60DEG00'00"E 104.97'
Legal Subdivision	CENTRAL ADD
Legal Lot Number	22
Legal Unit	22
Jurisdiction	BERRIEN MI
Township / Civil Division	NEW BUFFALO
Census Block Group	2
Census Block	2007
Census Tract	11302

Owner

303 E Merchant St, a single family home, is owned by an individual.

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

Owner of Record	Individual Name on File
Mailing Address	2254 N SOUTHPORT AVE, 2, CHICAGO, IL 60614-3115
Owner Type	Individual

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
Mar 5, 2021	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE INC
Sep 11, 2020	Affidavit, Transfer ACCOMODATION, ACCOMMODATION
Sep 1, 2020	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	303 E MERCHANT ST, NEW BUFFALO, MI 49117-1133
Transaction Type	Mortgage
Record Updated	Nov 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	03316/1796
Date	Mar 5, 2021
Book Page	3316/1796

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

September 2020: Affidavit, Transfer

Document Type	Affidavit
Jurisdiction	BERRIEN MI
Recording Date	Sep 11, 2020
Property Address	303 E MERCHANT ST, NEW BUFFALO, MI 49117-1133
Document Number	03290/1688
Book / Page	3290 / 1688
Instrument Date	Sep 9, 2020
Transaction Type	Transfer
Record Updated	Nov 9, 2023
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2417 W CORTLAND ST, CHICAGO, IL 60647-0455

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BERRIEN MI
Recording Date	Sep 1, 2020
Property Address	303 E MERCHANT ST, NEW BUFFALO, MI 49117-1133
Document Number	003289/141
Book / Page	3289 / 141
Instrument Date	Aug 31, 2020
Transaction Type	Transfer
Record Updated	Nov 9, 2023

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2417 W CORTLAND ST APT 3, 3, CHICAGO, IL 60647-0455

Mortgage

Document Number	0003289143
Date	Sep 1, 2020
Instrument	3289/143

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 303 E Merchant St was $5,874, up 37.4% from the year before.

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

Property Jurisdictions

Type	Name
State	Michigan
County	Berrien County
Municipality	New Buffalo City
Unified School District	New Buffalo Area School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$155,400 (+19.08%)	$310,800 (+19.08%)
2025	$5,874.00 (+37.44%)	$130,500	$261,000
2024	$4,274.00
2023		$99,500	$199,000
2022	$4,526.00

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

Flood

FEMA maps place 303 E Merchant St 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	2 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

Wildfire risk around 303 E Merchant 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	None beyond 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	NEW BUFFALO TOWNSHIP serves 2,845 people · EPA ID MI0004685
Water Source	Purchased surface water from several systems
Last State Inspection	Apr 2025
Lead	2 ppb (2020–2022) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 243 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
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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