307 N Cayuga St, Buchanan, MI 49107 Property Records

Berrien County property record for 307 N Cayuga St, Buchanan, MI 49107

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 822 sqft · built 1948
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on Record
Last Sale	$145,000 (Aug 2020)
Tax Bill	$2,419 (2025)
Deeds & Mortgages	Oct 2017 Line of Credit May 2023 Second Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`58-5000-0030-00-4`

Property Details

APN / Parcel Number

Primary APN	`58-5000-0030-00-4`
Alternative APN	`11-58-5000-0030-00-4`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Building Area	822 sqft Living Area
1st Floor Area	672 sqft
Basement Area	672 sqft
Unfinished Basement	672 sqft

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1948
Lot Area	8,712 sqft (0.2 acres)
Lot Dimensions	132 ft deep x 66 ft wide
Garage Area	300 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	307 N CAYUGA ST
City	BUCHANAN
State	MI
Zip	49107-1103
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1 SIN
Legal Description	LOT 30 MILLERS ADD TO CITY OF BUCHANAN
Legal Subdivision	MILLERS ADD
Legal Lot Number	30
Legal Unit	30
Jurisdiction	BERRIEN MI
Township / Civil Division	BUCHANAN
Census Block Group	5
Census Block	5007
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

Source: Berrien County records, as of October 9, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	307 N CAYUGA ST, BUCHANAN, MI 49107-1103
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 12, 2017	Deed of Trust, Mortgage · Line of Credit HONOR CU
May 8, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage HONOR CU
Aug 28, 2020	Warranty Deed, Transfer · Conventional Mortgage HONOR CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 28, 2020 · Amount on Record
Deed Sale	Aug 28, 2020 · Amount on Record
Prior Sale	Aug 28, 2020 · Amount on Record
Deed Book / Page	3288 / 1654
Prior Transfer Date	Oct 27, 2016
Prior Transfer Doc	03153/2186
Record Updated	Oct 29, 2026

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	307 N CAYUGA ST, BUCHANAN, MI 49107-1103
Transaction Type	Mortgage
Record Updated	Nov 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	03186/0662
Date	Oct 12, 2017
Book Page	3186/0662
Instrument	3186-0662

Lender

Name	HONOR CU
Type	Credit Union
Address	BERRIEN SPRINGS, MI 49103

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Oct 12, 2037

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	307 N CAYUGA ST, BUCHANAN, MI 49107-1103
Transaction Type	Mortgage
Record Updated	Nov 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	307 N CAYUGA ST, BUCHANAN, MI 49107-1103

Mortgage

Document Number	03403/2364
Date	May 8, 2023
Book Page	3403/2364
Instrument	2023380133

Lender

Name	HONOR CU
Type	Credit Union
Address	BERRIEN SPRINGS, MI 49103

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	60 Months
Due	May 1, 2028

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BERRIEN MI
Recording Date	Aug 28, 2020
Property Address	307 N CAYUGA ST, BUCHANAN, MI 49107-1103
Document Number	03288/1654
Book / Page	3288 / 1654
Map Reference	LB 5 PG 55
Instrument Date	Aug 17, 2020
Transaction Type	Transfer
Record Updated	Nov 9, 2023
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,247.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Living Trust
Address	307 N CAYUGA ST, BUCHANAN, MI 49107-1103

Mortgage

Document Number	0032881655
Date	Aug 28, 2020
Instrument	3288/1655

Lender

Name	HONOR CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2050

Tax Assessment & Valuation

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		$74,600 (+0.4%)	$149,200 (+0.4%)
2025	$2,419.00 (+2.24%) Homeowner's exemption	$74,300 (+15.02%)	$148,600 (+15.02%)
2024	$2,366.00 (+5.63%)
2023		$64,600	$129,200
2022	$2,240.00

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

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

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	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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