309 N Cayuga St, Buchanan, MI 49107 Property Records

Berrien County property record for 309 N Cayuga St, Buchanan, MI 49107

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,020 sqft · built 1945
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on File
Last Sale	$165,000 (Dec 2022)
Tax Bill	$2,512 (2025)
Deeds & Mortgages	Dec 2022 Sale & Mortgage Mar 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`58-5000-0029-00-6`

Property Details

APN / Parcel Number

Primary APN	`58-5000-0029-00-6`
Alternative APN	`11-58-5000-0029-00-6`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,020 sqft Living Area
1st Floor Area	1,020 sqft
Basement Area	480 sqft
Unfinished Basement	480 sqft

Exterior

Year Built	Built 1945
Effective Year Built	Effective 1945
Lot Area	8,712 sqft (0.2 acres)
Lot Dimensions	132 ft deep x 66 ft wide
Garage Area	588 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	309 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 29 MILLERS ADD TO CITY OF BUCHANAN
Legal Subdivision	MILLERS ADD
Legal Lot Number	29
Legal Unit	29
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

309 N Cayuga St is owned and occupied by an individual who bought it in December 2022.

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

Owner of Record	Individual Name on File
Mailing Address	309 N CAYUGA ST, BUCHANAN, MI 49107-1103
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
Dec 14, 2022	Warranty Deed, Transfer · Conventional Mortgage RUOFF MORTGAGE COMPANY INC
Mar 29, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage CELEBRITY HOME LOANS LLC
May 3, 2019	Warranty Deed, Transfer · Conventional Mortgage UNITED FCU
Feb 15, 2018	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 14, 2022 · Amount on File
Deed Sale	Dec 14, 2022 · Amount on File
Prior Sale	May 3, 2019 · Amount on File
Deed Document Number	2022369344
Deed Book / Page	3394 / 2963
Prior Transfer Date	Mar 21, 2013
Prior Transfer Doc	03030/0945
Record Updated	Oct 29, 2026

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BERRIEN MI
Recording Date	Dec 14, 2022
Property Address	309 N CAYUGA ST, BUCHANAN, MI 49107-1103
Document Number	03394/2963
Book / Page	3394 / 2963
Map Reference	LB 5 PG 44
Instrument Date	Dec 9, 2022
Instrument	2022369344
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	$1,237.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	309 N CAYUGA ST, BUCHANAN, MI 49107-1103

Mortgage

Document Number	0033942966
Date	Dec 14, 2022
Instrument	3394-2966

Lender

Name	RUOFF MORTGAGE COMPANY INC
Type	Mortgage Company

Agreement

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

March 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BERRIEN MI
Recording Date	Mar 29, 2021
Property Address	309 N CAYUGA ST, BUCHANAN, MI 49107-1103
Document Number	03319/3438
Book / Page	3319 / 3438
Instrument Date	Mar 22, 2021
Transaction Type	Transfer
Record Updated	Nov 9, 2023
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	309 N CAYUGA ST, BUCHANAN, MI 49107-1103

Mortgage

Document Number	0033193441
Date	Mar 29, 2021
Instrument	3319/3441

Lender

Name	CELEBRITY HOME LOANS LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BERRIEN MI
Recording Date	May 3, 2019
Property Address	309 N CAYUGA ST, BUCHANAN, MI 49107-1103
Document Number	03236/1156
Book / Page	3236 / 1156
Map Reference	LB 5 PG 44
Instrument Date	Apr 29, 2019
Transaction Type	Transfer
Record Updated	Nov 9, 2023

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$903.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	309 N CAYUGA ST, BUCHANAN, MI 49107-1103

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	309 N CAYUGA ST, BUCHANAN, MI 49107-1103

Mortgage

Document Number	0032361160
Date	May 3, 2019
Instrument	3236/1160

Lender

Name	UNITED FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2049

February 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BERRIEN MI
Recording Date	Feb 15, 2018
Property Address	309 N CAYUGA ST, BUCHANAN, MI 49107-1103
Document Number	03197/1452
Book / Page	3197 / 1452
Map Reference	LB5 PG44
Instrument Date	Feb 12, 2018
Transaction Type	Transfer
Record Updated	Nov 9, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	309 N CAYUGA ST, BUCHANAN, MI 49107-1103

Tax Assessment & Valuation

The 2025 property tax bill for 309 N Cayuga St was $2,512 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		$72,600 (+1.68%)	$145,200 (+1.68%)
2025	$2,512.00 (+2.24%) Homeowner's exemption	$71,400	$142,800
2024	$2,457.00
2023		$59,600	$119,200
2022	$1,923.00

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 309 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 309 N Cayuga St is low, with 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 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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