Berrien County property record for 312 Elm St, Niles, MI 49120
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,560 sqft |
| Lot Size | 0.062 acres (2,701 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $159,000 (Mar 2025) |
| Tax Bill | $2,453 (2025) |
| Deeds & Mortgages | Dec 2020 Line of Credit Jun 2022 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 74-0990-0068-01-4 |
| Primary APN | 74-0990-0068-01-4 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,560 sqft Living Area |
| 1st Floor Area | 780 sqft |
| Basement Area | 780 sqft |
| Unfinished Basement | 780 sqft |
| Lot Area | 2,701 sqft (0.062 acres) |
|---|---|
| Lot Dimensions | 66 ft deep x 41 ft wide |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 312 ELM ST |
|---|---|
| City | NILES |
| State | MI |
| Zip | 49120-2817 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | LDR |
| Legal Description | THE W 41' OF LOT 1 BLK 12 J BROOKFIELD ADD CITY OF NILES |
| Legal Subdivision | J BROOKFIELD ADD |
| Legal Block | 12 |
| Legal Lot Number | 1 |
| Legal Unit | 1 |
| Jurisdiction | BERRIEN MI |
| Township / Civil Division | NILES |
| Census Block Group | 4 |
| Census Block | 4004 |
| Census Tract | 20600 |
Source: Berrien County records · APN 74-0990-0068-01-4
Assessment roll updated June 5, 2026 · Last verified June 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 312 ELM ST, NILES, MI 49120-2817 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 14, 2020 | Deed of Trust, Mortgage · Line of Credit HONOR CU |
| Jun 15, 2022 | Warranty Deed, Transfer · Conventional Mortgage TEACHERS CU |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Mar 28, 2025 · Amount on Record |
| Deed Sale | Mar 28, 2025 · Amount on Record |
| Prior Sale | Jun 15, 2022 · Amount on Record |
| Deed Document Number | 2025429086 |
| Deed Book / Page | 3447 / 698 |
| Prior Transfer Date | May 06, 2003 |
| Prior Transfer Doc | 2382001237 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERRIEN MI |
| Property Address | 312 ELM ST, NILES, MI 49120-2817 |
| Transaction Type | Mortgage |
| Record Updated | Nov 09, 2023 |
| Name | Verified Name |
|---|
| Document Number | 03304/1456 |
|---|---|
| Date | Dec 14, 2020 |
| Book Page | 3304/1456 |
| Name | HONOR CU |
|---|---|
| Type | Credit Union |
| Address | BERRIEN SPRINGS, MI 49103 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Dec 12, 2040 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BERRIEN MI |
| Recording Date | Jun 15, 2022 |
| Property Address | 312 ELM ST, NILES, MI 49120-2817 |
| Document Number | 03377/1359 |
| Book / Page | 3377 / 1359 |
| Map Reference | LB O PG 444 |
| Instrument Date | Jun 10, 2022 |
| Instrument | 2022355482 |
| Transaction Type | Transfer |
| Record Updated | Nov 09, 2023 |
| Title Company | CHICAGO TITLE/MI, CHICAGO TITLE OF MI INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $975.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 312 ELM ST, NILES, MI 49120-2817 |
| Document Number | 0033771362 |
|---|---|
| Date | Jun 15, 2022 |
| Instrument | 3377-1362 |
| Name | TEACHERS CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 01, 2052 |
Source: Berrien County records · Assessment roll updated June 5, 2026 · Last verified June 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Berrien County |
| Municipality | Niles City |
| Unified School District | Niles Community School District (PK - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $68,700 (+12.99%) | $137,400 (+12.99%) | |
| 2025 | $2,453.00 (+153.41%) | ||
| 2023 | $60,800 | $121,600 | |
| 2022 | $968.00 |
Source: FEMA National Flood Hazard Layer as of September 10, 2024 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Claims | 2 (1981) |
| Most Recent Claim | May 1981 · rainfall accumulation |
| 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 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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: Mercury Broadband, Midwest Energy Cooperative.
Based on FCC filings for 377 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | NILES TOWNSHIP serves 2,270 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jun 2025 |
| Lead | 2 ppb (2022–2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | Lead service line inventory Oct 2024 |
| Monitoring and Reporting | 30 last 3 years |
Results are for the whole water system as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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