3115 S 3rd St, Niles, MI 49120 Property Records

Berrien County property record for 3115 S 3rd St, Niles, MI 49120

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,236 sqft · built 1963
Lot Size	0.235 acres (10,237 sqft)
Owner	Individual Name on File
Last Sale	$170,000 (Mar 2021)
Tax Bill	$2,652 (2025)
Deeds & Mortgages	Apr 2023 Transfer Mar 2021 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`14-5710-0103-00-1`

Property Details

APN / Parcel Number

Primary APN	`14-5710-0103-00-1`
Alternative APN	`11-14-5710-0103-00-1`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,236 sqft Living Area
1st Floor Area	1,236 sqft
Basement Area	1,120 sqft
Unfinished Basement	1,120 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1963
Effective Year Built	Effective 1963
Architectural Style	Raised Ranch
Lot Area	10,237 sqft (0.235 acres)
Lot Dimensions	136 ft deep x 75 ft wide
Garage Area	1,440 sqft
Parking Spaces	5 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3115 S 3RD ST
City	NILES
State	MI
Zip	49120-4705
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1B
Legal Description	THE S 35' OF LOT 104 & N 40' OF LOT 103 & THE N 40' OF W 12' OF LOT 117, OKOBOJI NO. 1
Legal Subdivision	OKOBOJI SUBDIVISION #1
Legal Lot Number	104-117
Jurisdiction	BERRIEN MI
Township / Civil Division	NILES
Census Block Group	2
Census Block	2005
Census Tract	21100

Owner

3115 S 3rd St is owned and occupied by an individual who acquired it in April 2023.

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

Owner of Record	Individual Name on File
Mailing Address	3115 S 3RD ST, NILES, MI 49120-4705
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
Apr 19, 2023	Intrafamily Transfer, Transfer
Mar 11, 2021	Warranty Deed, Transfer · Conventional Mortgage CIRCLE FCU
Apr 16, 2015	Warranty Deed, Transfer · Conventional Mortgage AMERIFIRST FINANCIAL CORP
Feb 28, 2007	Warranty Deed, Transfer · Conventional Mortgage COUNTRYWIDE HOME LOANS INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 11, 2021 · Amount on File
Deed Sale	Mar 11, 2021 · Amount on File
Prior Sale	Oct 25, 2016 · Amount on File
Deed Book / Page	3317 / 1587
Last Transfer Date	Apr 19, 2023
Transfer Doc	03402/2605
Record Updated	Oct 29, 2026

April 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BERRIEN MI
Recording Date	Apr 19, 2023
Property Address	3115 S 3RD ST, NILES, MI 49120-4705
Document Number	03402/2605
Book / Page	3402 / 2605
Map Reference	LB 8 PG 32
Instrument Date	Apr 17, 2023
Instrument	2023379020
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

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3115 S 3RD ST, NILES, MI 49120-4705

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BERRIEN MI
Recording Date	Mar 11, 2021
Property Address	3115 S 3RD ST, NILES, MI 49120-4705
Document Number	03317/1587
Book / Page	3317 / 1587
Map Reference	LB 8 PG 32
Instrument Date	Mar 5, 2021
Transaction Type	Transfer
Record Updated	Nov 9, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3115 S 3RD ST, NILES, MI 49120-4705

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3115 S 3RD ST, NILES, MI 49120-4705

Mortgage

Document Number	0033171590
Date	Mar 11, 2021
Instrument	3317/1590

Lender

Name	CIRCLE FCU
Type	Credit Union

Agreement

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

April 2015: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BERRIEN MI
Recording Date	Apr 16, 2015
Property Address	3115 S 3RD ST, NILES, MI 49120-4705
Document Number	03100/1340
Book / Page	3100 / 1340
Map Reference	LB8 PG32
Instrument Date	Apr 13, 2014
Transaction Type	Transfer
Record Updated	Nov 9, 2023
Title Company	CAPITAL TITLE AGENCY INC, CTI

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$967.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	133 OWENS ST, NILES, MI 49120-4148

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3115 S 3RD ST, NILES, MI 49120-4705

Mortgage

Document Number	03100/1342
Date	Apr 16, 2015
Book Page	3100/1342

Lender

Name	AMERIFIRST FINANCIAL CORP
Type	Funding / Finance Company
Address	PORTAGE, MI 49002

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2045

February 2007: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BERRIEN MI
Recording Date	Feb 28, 2007
Property Address	3115 S 3RD ST, NILES, MI 49120-4705
Document Number	02778/0630
Book / Page	2778 / 0630
Map Reference	MB8 PG32
Instrument Date	Feb 26, 2007
Transaction Type	Transfer
Record Updated	Jun 9, 2026
Title Company	MERIDIAN TITLE CORP

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$946.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3115 S 3RD ST, NILES, MI 49120-4705

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3115 S 3RD ST, NILES, MI 49120-4705
Investor	Possibly a Property Investor

Mortgage

Document Number	0027780631
Date	Feb 28, 2007
Instrument	2778/0631

Lender

Name	COUNTRYWIDE HOME LOANS INC
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2037

Interest

Rate Type	Adjustable Rate
Rate	8.5%
Adjustable	Adjustable Rate Rider
Change Frequency	6 Months
Min Rate At Change	8.5%
Max Rate At Change	10%
Index	6-Month LIBOR
Max Rate	15.5%

Mortgage

Document Number	02778/0647
Date	Feb 28, 2007
Book Page	2778/0647

Lender

Name	COUNTRYWIDE HOME LOANS INC
Type	Lending Institution
Address	CALABASAS, CA 91302

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	241 Months
Due	Mar 1, 2027

Tax Assessment & Valuation

The 2025 property tax bill for 3115 S 3rd St was $2,652 with a homeowner's exemption, up 2.1% from the year before.

Source: Berrien County assessment roll, as of September 28, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Berrien County
County Subdivision	Niles Township
Unified School District	Brandywine Community Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$114,800 (+12%)	$229,600 (+12%)
2025	$2,652.00 (+2.08%) Homeowner's exemption	$102,500	$205,000
2024	$2,598.00
2023		$71,500	$143,000
2022	$3,148.00

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 3115 S 3rd St in Zone X, an area of minimal flood risk.

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	1 in force

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 3115 S 3rd 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	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	NILES serves 14,215 people · EPA ID MI0004740
Water Source	Groundwater
Last State Inspection	Jun 2024
Lead	2 ppb (2025) 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 207 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Midwest Energy & Communications, Surf Internet.

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