306 N Cayuga St, Buchanan, MI 49107 Property Records

Berrien County property record for 306 N Cayuga St, Buchanan, MI 49107

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,686 sqft · built 1953
Lot Size	0.207 acres (9,017 sqft)
Owner	Individual Name on File
Last Sale	$125,000 (May 2018)
Tax Bill	$2,606 (2025)
Deeds & Mortgages	Sep 2020 Line of Credit May 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`58-5000-0003-00-7`

Property Details

APN / Parcel Number

Primary APN	`58-5000-0003-00-7`
Alternative APN	`11-58-5000-0003-00-7`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Building Area	1,686 sqft Living Area
1st Floor Area	1,686 sqft
Basement Area	1,686 sqft
Unfinished Basement	1,686 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1953
Lot Area	9,017 sqft (0.207 acres)
Lot Dimensions	150 ft deep x 60 ft wide
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Hot Water

Location & Zoning

Street Address	306 N CAYUGA ST
City	BUCHANAN
State	MI
Zip	49107-1104
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1 SIN
Legal Description	LOT 3 MILLERS ADD TO CITY OF BUCHANAN
Legal Subdivision	MILLERS ADD
Legal Lot Number	3
Legal Unit	3
Jurisdiction	BERRIEN MI
Township / Civil Division	BUCHANAN
Census Block Group	5
Census Block	5006
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

306 N Cayuga St is owned and occupied by an individual who bought it in May 2018.

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

Owner of Record	Individual Name on File
Mailing Address	306 N CAYUGA ST, BUCHANAN, MI 49107-1104
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
Sep 22, 2020	Deed of Trust, Mortgage · Line of Credit UNITED FCU
May 14, 2018	Warranty Deed, Transfer · Conventional Mortgage UNITED FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 14, 2018 · Amount on File
Deed Sale	May 14, 2018 · Amount on File
Prior Sale	Jan 23, 2003 · Amount on File
Deed Book / Page	3205 / 1446
Prior Transfer Date	Oct 7, 2010
Prior Transfer Doc	02935/2677
Record Updated	Oct 29, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	306 N CAYUGA ST, BUCHANAN, MI 49107-1104
Transaction Type	Mortgage
Record Updated	Nov 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	03291/2905
Date	Sep 22, 2020
Book Page	3291/2905

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	Sep 25, 2030

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BERRIEN MI
Recording Date	May 14, 2018
Property Address	306 N CAYUGA ST, BUCHANAN, MI 49107-1104
Document Number	03205/1446
Book / Page	3205 / 1446
Map Reference	LB5 PG55
Instrument Date	May 11, 2018
Transaction Type	Transfer
Record Updated	Nov 9, 2023
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,135.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	306 N CAYUGA ST, BUCHANAN, MI 49107-1104

Mortgage

Document Number	0032051447
Date	May 14, 2018
Instrument	3205/1447

Lender

Name	UNITED FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2048

Interest

Change Frequency	6 Months
Index	5-Year CMT

Tax Assessment & Valuation

The 2025 property tax bill for 306 N Cayuga St was $2,606 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		$86,400 (+0.23%)	$172,800 (+0.23%)
2025	$2,606.00 (+2.2%) Homeowner's exemption	$86,200	$172,400
2024	$2,550.00
2023		$73,800	$147,600
2022	$2,413.00

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

Flood

FEMA maps place 306 N Cayuga 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 306 N Cayuga 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 96% of the US · lower than 91% of Michigan
Wildfire Likelihood	Under 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.

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 269 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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