305 W Front St, Buchanan, MI 49107 Property Records

Berrien County property record for 305 W Front St, Buchanan, MI 49107

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,046 sqft · built 1936
Lot Size	0.247 acres (10,759 sqft)
Owner	Individual Name on File
Last Sale	$305,000 (Mar 2023)
Tax Bill	$5,083 (2025)
Deeds & Mortgages	May 2018 Mortgage Mar 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`58-4900-0002-01-1`

Property Details

APN / Parcel Number

Primary APN	`58-4900-0002-01-1`
Alternative APN	`11-58-4900-0002-01-1`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Building Area	2,046 sqft Living Area
1st Floor Area	1,116 sqft
Basement Area	946 sqft
Unfinished Basement	946 sqft

Exterior

Year Built	Built 1936
Effective Year Built	Effective 1936
Lot Area	10,759 sqft (0.247 acres)
Lot Dimensions	179 ft deep x 60 ft wide
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	305 W FRONT ST
City	BUCHANAN
State	MI
Zip	49107-1253
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1 SIN
Legal Description	LOT 2 MAPLE TRACT ADD TO CITY OF BUCHANAN ALSO THE E 5'OF N 176.86' OF LOT 1 SD SUB
Legal Subdivision	MAPLE TRACT ADD
Legal Lot Number	1-2
Legal Unit	2,1
Jurisdiction	BERRIEN MI
Township / Civil Division	BUCHANAN
Census Block Group	4
Census Block	4005
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

305 W Front St is owned and occupied by an individual who bought it in March 2023.

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

Owner of Record	Individual Name on File
Mailing Address	305 W FRONT ST, BUCHANAN, MI 49107-1253
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
May 10, 2018	Deed of Trust, Mortgage · Conventional Mortgage THE HUNTINGTON NATIONAL BANK
Mar 8, 2023	Warranty Deed, Transfer · Conventional Mortgage GOLD COAST BANK (CHICAGO IL
Aug 14, 2020	Warranty Deed, Transfer · FHA Mortgage FLAGSTAR BANK FSB

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 8, 2023 · Amount on File
Deed Sale	Mar 8, 2023 · Amount on File
Prior Sale	Aug 14, 2020 · Amount on File
Deed Document Number	2023374967
Deed Book / Page	3399 / 3679
Record Updated	Oct 29, 2026

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	305 W FRONT ST, BUCHANAN, MI 49107-1253
Transaction Type	Mortgage
Record Updated	Nov 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	03205/0376
Date	May 10, 2018
Book Page	3205/0376

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43219

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jun 1, 2033

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BERRIEN MI
Recording Date	Mar 8, 2023
Property Address	305 W FRONT ST, BUCHANAN, MI 49107-1253
Document Number	03399/3679
Book / Page	3399 / 3679
Map Reference	LB 6 PG 11
Instrument Date	Mar 3, 2023
Instrument	2023374967
Transaction Type	Transfer
Record Updated	Nov 9, 2023
Title Company	NEAR NORTH TITLE GROUP

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,287.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	50643 TARRINGTON WAY, GRANGER, IN 46530-9768

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	305 W FRONT ST, BUCHANAN, MI 49107-1253

Mortgage

Document Number	2023374968
Date	Mar 8, 2023
Instrument	2023374968

Lender

Name	GOLD COAST BANK (CHICAGO IL
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2053

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BERRIEN MI
Recording Date	Aug 14, 2020
Property Address	305 W FRONT ST, BUCHANAN, MI 49107-1253
Document Number	03286/2073
Book / Page	3286 / 2073
Map Reference	LB 6 PG 11
Instrument Date	Aug 6, 2020
Transaction Type	Transfer
Record Updated	Nov 9, 2023
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,279.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	305 W FRONT ST, BUCHANAN, MI 49107-1253

Mortgage

Document Number	0032862074
Date	Aug 14, 2020
Instrument	3286/2074

Lender

Name	FLAGSTAR BANK FSB
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 305 W Front St was $5,083 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		$145,100	$290,200
2025	$5,083.00
2023		$118,200	$236,400
2022	$4,322.00

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 305 W Front 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 305 W Front 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

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

May also be available: Mercury Fiber.

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