808 W FRONT ST APT 86, 86, BUCHANAN, MI 49107-1188
Mortgage
Document Number
0027460540
Date
Sep 26, 2006
Instrument
2746/0540
Lender
Name
AMERICAS WHOLESALE LENDER
Type
Lending Institution
Agreement
Type
Conventional Mortgage
Amount
Amount on Record
Term
361 Months
Due
Oct 1, 2036
Interest
Rate Type
Adjustable Rate
Rate
6.62%
Change Frequency
Annually
Index
LIBOR
Mortgage
Document Number
02750/1746
Date
Oct 12, 2006
Book Page
2750/1746
Lender
Name
FIFTH THIRD BANK WESTERN MICHIGAN
Type
Bank
Address
1850 E PARIS AVE SE, GRAND RAPIDS, MI 49546
Agreement
Type
Line of Credit
Amount
Amount on Record
Interest
Change Frequency
Monthly
Tax Assessment & Valuation
The 2025 property tax bill for 303 Phelps St was $1,836 with a homeowner's exemption, up 2.2% from the year before.
Source: Berrien County assessment roll, as of September 28, 2026
Property Jurisdictions
Type
Name
State
Michigan
County
Berrien County
Municipality
Buchanan City
Unified School District
Buchanan Community School District (PK - 12)
Tax Bill & Assessment History
Year
Tax Bill
Assessed Value
Assessed Market Value
2026
$88,400 (+9.95%)
$176,800 (+9.95%)
2025
$1,836.00 (+2.23%)Homeowner's exemption
$80,400
$160,800
2024
$1,796.00
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Flood
FEMA maps place 303 Phelps St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1996.
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
6 in force
Nearby Flood Claims
1 (1996)
Claims Outside the SFHA
1 of 1
Most Recent Claim
May 1996 · rainfall accumulation
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 Phelps St 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 99.1% of the US · lower than 98.4% 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.
Drinking Water
Source: EPA Safe Drinking Water Information System, as of September 2026
Water System
BUCHANAN serves 4,871 people · EPA ID MI0000960
Water Source
Groundwater
Last State Inspection
Oct 2024
Lead
3 ppb (2024–2026) 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 198 locations within half a mile, as of December 31, 2025