303 W 3rd St, Buchanan, MI 49107 Property Records

Berrien County property record for 303 W 3rd St, Buchanan, MI 49107

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,983 sqft · built 1934
Lot Size	0.278 acres (12,110 sqft)
Owner	Individual Name on File
Last Sale	$157,000 (Jan 2020)
Tax Bill	$3,748 (2025)
Deeds & Mortgages	Jan 2022 Mortgage Jan 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`58-6860-0003-01-5`

Property Details

APN / Parcel Number

Primary APN	`58-6860-0003-01-5`
Alternative APN	`11-58-6860-0003-01-5`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Building Area	1,983 sqft Living Area
1st Floor Area	1,146 sqft
Basement Area	1,116 sqft
Unfinished Basement	1,116 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1934
Effective Year Built	Effective 1934
Lot Area	12,110 sqft (0.278 acres)
Lot Dimensions	126 ft deep x 96 ft wide
Garage Area	240 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	303 W 3RD ST
City	BUCHANAN
State	MI
Zip	49107-1232
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1 SIN
Legal Description	PRT OF LOTS 2 & 3 ROSS & ALEXANDERS 2ND ADD TO CITY OF BUCHANAN COM 152' W OF SW COR OF LAKE & 3RD STS TH W 95.5' S 138' E 53' N 38' E 42.5' N 100' TO POB
Legal Subdivision	ROSS & ALEXANDERS SECOND ADDITION
Legal Lot Number	2-3
Jurisdiction	BERRIEN MI
Township / Civil Division	BUCHANAN
Census Block Group	5
Census Block	5010
Census Tract	20200

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Buchanan North and West Neighborhoods Historic District listed 2011 · 575 contributing resources · NRIS 11000863

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

303 W 3rd St is owned and occupied by an individual who bought it in January 2020.

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

Owner of Record	Individual Name on File
Mailing Address	303 W 3RD ST, BUCHANAN, MI 49107-1232
Occupancy	Owner Occupied
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
Jan 18, 2022	Warranty Deed, Transfer · FHA Mortgage NEIGHBORS BANK
Jan 21, 2020	Warranty Deed, Transfer · Conventional Mortgage RUOFF MORTGAGE COMPANY INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 21, 2020 · Amount on File
Deed Sale	Jan 21, 2020 · Amount on File
Prior Sale	Jan 21, 2020 · Amount on File
Deed Book / Page	3262 / 2193
Prior Transfer Date	May 16, 2013
Prior Transfer Doc	03038/0393
Record Updated	Oct 29, 2026

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BERRIEN MI
Recording Date	Jan 18, 2022
Property Address	303 W 3RD ST, BUCHANAN, MI 49107-1232
Document Number	03360/3107
Book / Page	3360 / 3107
Map Reference	LB 27 PG 14
Instrument Date	Jan 12, 2022
Instrument	2022340840
Transaction Type	Transfer
Record Updated	Nov 9, 2023
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO

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	PO BOX 351, ROLLING PRAIRIE, IN 46371-0351

Mortgage

Document Number	0033602649
Date	Jan 18, 2022
Instrument	3360/2649

Lender

Name	NEIGHBORS BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2052

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BERRIEN MI
Recording Date	Jan 21, 2020
Property Address	303 W 3RD ST, BUCHANAN, MI 49107-1232
Document Number	03262/2193
Book / Page	3262 / 2193
Map Reference	LB 27 PG 14
Instrument Date	Jan 10, 2020
Transaction Type	Transfer
Record Updated	Nov 9, 2023
Title Company	CHICAGO TITLE/MI, CHICAGO TITLE OF MI INC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,350.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	303 W 3RD ST, BUCHANAN, MI 49107-1232

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	303 W 3RD ST, BUCHANAN, MI 49107-1232

Mortgage

Document Number	0032622196
Date	Jan 21, 2020
Instrument	3262/2196

Lender

Name	RUOFF MORTGAGE COMPANY INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 303 W 3rd St was $3,748 with a homeowner's exemption.

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		$109,400	$218,800
2025	$3,748.00
2023		$89,200	$178,400
2022	$2,979.00

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

Flood

FEMA maps place 303 W 3rd St in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1981.

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	3 in force
Nearby Flood Claims	3 (1981–1982)
Most Recent Claim	Mar 1982 · tidal / storm surge

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 W 3rd 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 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.

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 405 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20

May also be available: Mercury Fiber.

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