309 W Smith St, Buchanan, MI 49107 Property Records

Berrien County property record for 309 W Smith St, Buchanan, MI 49107

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 852 sqft · built 1860
Lot Size	0.66 acres (28,750 sqft)
Owner	Individual Name on Record
Last Sale	$89,900 (Dec 2021)
Tax Bill	$1,699 (2025)
Deeds & Mortgages	Aug 2022 Sale Dec 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`58-0035-0160-00-1`

Property Details

APN / Parcel Number

Primary APN	`58-0035-0160-00-1`
Alternative APN	`11-58-0035-0160-00-1`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Building Area	852 sqft Living Area
1st Floor Area	852 sqft
Basement Area	620 sqft
Unfinished Basement	620 sqft

Exterior

Year Built	Built 1860
Effective Year Built	Effective 1860
Lot Area	28,750 sqft (0.66 acres)
Lot Dimensions	146 ft deep x 66 ft wide

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	309 W SMITH ST
City	BUCHANAN
State	MI
Zip	49107-1563
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1 SIN
Legal Description	COM AT NW COR LOT 1 BLK E A B CLARK ADD TO CITY OF BUCHANAN W 66' TH S 132' W 66' TH S TO CREEK ELY ALONG CREEK TO PT S OF BEG TH N TO BEG SEC 35 T7S R18W
Legal Range	18W
Legal Township	07S
Legal Section	35
Legal Subdivision	BLK E A B CLARK ADD
Legal Block	E
Legal Lot Number	1
Legal Unit	1
Jurisdiction	BERRIEN MI
Township / Civil Division	BUCHANAN
Census Block Group	4
Census Block	4027
Census Tract	20200

Owner

Source: Berrien County records, as of September 28, 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	309 W SMITH ST, BUCHANAN, MI 49107-1563
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 23, 2022	Warranty Deed, Transfer CHICAGO TITLE/MI, CHICAGO TITLE OF MI INC
Dec 10, 2021	Warranty Deed, Transfer · Conventional Mortgage RUOFF MORTGAGE COMPANY INC
Apr 26, 2018	Warranty Deed, Transfer · Conventional Mortgage UNITED FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 10, 2021 · Amount on Record
Deed Sale	Dec 10, 2021 · Amount on Record
Prior Sale	Apr 26, 2018 · Amount on Record
Deed Document Number	20213356-1557
Deed Book / Page	3356 / 1557
Prior Transfer Date	Aug 1, 2013
Prior Transfer Doc	03047/0471
Record Updated	Oct 29, 2026

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BERRIEN MI
Recording Date	Aug 23, 2022
Property Address	309 W SMITH ST, BUCHANAN, MI 49107-1563
Document Number	03383/2198
Book / Page	3383 / 2198
Instrument Date	Aug 5, 2022
Instrument	2022360718
Transaction Type	Transfer
Record Updated	Nov 9, 2023
Title Company	CHICAGO TITLE/MI, CHICAGO TITLE OF MI INC

Transaction

Amount	Amount Recorded
Tax	$3.75
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	309 W SMITH ST, BUCHANAN, MI 49107-1563

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BERRIEN MI
Recording Date	Dec 10, 2021
Property Address	309 W SMITH ST, BUCHANAN, MI 49107-1563
Document Number	03356/1557
Book / Page	3356 / 1557
Instrument Date	Nov 10, 2021
Instrument	3356-1557
Transaction Type	Transfer
Record Updated	Nov 9, 2023
Title Company	CHICAGO TITLE OF MI INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$774.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Partial Interest Partial Parcel

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	309 W SMITH ST, BUCHANAN, MI 49107-1563

Mortgage

Document Number	0033561559
Date	Dec 10, 2021
Instrument	3356-1559

Lender

Name	RUOFF MORTGAGE COMPANY INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2051

Mortgage

Document Number	03356/1575
Date	Dec 10, 2021
Book Page	3356/1575
Instrument	3356-1575

Lender

Name	MICHIGAN STATE HOUSING DEV AUTHORITY
Type	Government Agency
Address	LANSING, MI 48912

Agreement

Type	Line of Credit
Amount	Amount Recorded

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BERRIEN MI
Recording Date	Apr 26, 2018
Property Address	309 W SMITH ST, BUCHANAN, MI 49107-1563
Document Number	03203/3036
Book / Page	3203 / 3036
Instrument Date	Apr 19, 2018
Transaction Type	Transfer
Record Updated	Nov 9, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$520.00
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
Relationship	Tenants by the Entirety
Address	309 WSMITH ST, BUCHANAN, MI 49107

Mortgage

Document Number	0032033038
Date	Apr 26, 2018
Instrument	3203/3038

Lender

Name	UNITED FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2048

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		$98,900 (+102.66%)	$197,800 (+102.66%)
2025	$1,699.00 (+7.87%)
2023		$48,800 (+27.75%)	$97,600 (+27.75%)
2022	$1,575.00 (+22.28%)	$38,200	$76,400
2021	$1,288.00

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 87% 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.

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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