315 McCumber St, Buchanan, MI 49107 Property Records

Berrien County property record for 315 McCumber St, Buchanan, MI 49107

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,056 sqft · built 1979
Lot Size	0.182 acres (7,928 sqft)
Owner	Individual Name on File
Last Sale	$186,000 (May 2026)
Tax Bill	$2,704 (2025)
Deeds & Mortgages	Dec 2017 Mortgage Mar 2026 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`58-4950-0013-00-1`

Property Details

APN / Parcel Number

Primary APN	`58-4950-0013-00-1`
Alternative APN	`11-58-4950-0013-00-1`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Building Area	1,056 sqft Living Area
1st Floor Area	1,056 sqft

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Lot Area	7,928 sqft (0.182 acres)
Lot Dimensions	132 ft deep x 60 ft wide
Garage Area	240 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	315 MCCUMBER ST
City	BUCHANAN
State	MI
Zip	49107-1132
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1 SIN
Legal Description	LOT 13 MC CUMBERS ADD TO CITY OF BUCHANAN
Legal Subdivision	MC CUMBERS ADD
Legal Lot Number	13
Legal Unit	13
Jurisdiction	BERRIEN MI
Township / Civil Division	BUCHANAN
Census Block Group	6
Census Block	6000
Census Tract	20200

Owner

315 McCumber St is owned and occupied by an individual who bought it in May 2026.

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

Owner of Record	Individual Name on File
Mailing Address	315 MCCUMBER ST, BUCHANAN, MI 49107-1132
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 29, 2017	Deed of Trust, Mortgage · Commercial Mortgage 1ST SOURCE BANK
Mar 9, 2026	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Mar 24, 2006	Deed of Trust, Mortgage LASALLE BANK MIDWEST NA
Mar 24, 2006	Deed of Trust, Mortgage · Line of Credit LASALLE BANK MIDWEST NA
May 14, 2026	Warranty Deed, Transfer · Conventional Mortgage CHICAGO TITLE MERIDIAN, CHICAGO TITLE OF MICHIGAN
May 14, 2026	Warranty Deed, Transfer · Conventional Mortgage FERGUSON MORTGAGE
Aug 19, 2022	Personal Representative Deed, Transfer · Conventional Mortgage FLAGSTAR BANK FSB

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 14, 2026 · Amount on File
Deed Sale	May 14, 2026 · Amount on File
Prior Sale	Aug 19, 2022 · Amount on File
Deed Document Number	2026460860
Deed Book / Page	3477 / 1959
Prior Transfer Date	Jan 16, 2004
Prior Transfer Doc	2487001729
Record Updated	Oct 29, 2026

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	315 MCCUMBER ST, BUCHANAN, MI 49107-1132
Transaction Type	Mortgage
Record Updated	Jul 1, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	315 MCCUMBER ST, BUCHANAN, MI 49107-1132

Mortgage

Document Number	03193/2046
Date	Dec 29, 2017
Book Page	3193/2046
Instrument	3193-2046

Lender

Name	1ST SOURCE BANK
Type	Bank
Address	SOUTH BEND, IN 46628

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	205 Months
Due	Jan 5, 2035

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	315 MCCUMBER ST, BUCHANAN, MI 49107-1132
Transaction Type	Mortgage
Record Updated	Jul 1, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	315 MCCUMBER ST, BUCHANAN, MI 49107-1132

Mortgage

Document Number	03471/3087
Date	Mar 9, 2026
Book Page	3471/3087
Instrument	2026453249

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2056

March 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	315 MCCUMBER ST, BUCHANAN, MI 49107-1132
Transaction Type	Mortgage
Record Updated	Jul 1, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02697/0932
Date	Mar 24, 2006
Book Page	2697/0932

Lender

Name	LASALLE BANK MIDWEST NA
Type	Bank
Address	2600 W BIG BEAVER RD, TROY, MI 48084

Agreement

Amount	Amount on Record
Term	180 Months
Due	Mar 10, 2021

March 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	315 MCCUMBER ST, BUCHANAN, MI 49107-1132
Transaction Type	Mortgage
Record Updated	Jul 1, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02697/0938
Date	Mar 24, 2006
Book Page	2697/0938

Lender

Name	LASALLE BANK MIDWEST NA
Type	Bank
Address	2600 W BIG BEAVER RD, TROY, MI 48084

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	119 Months
Due	Feb 27, 2016

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BERRIEN MI
Recording Date	May 14, 2026
Property Address	315 MCCUMBER ST, BUCHANAN, MI 49107-1132
Document Number	0000460860
Book / Page	3477 / 1959
Instrument Date	May 14, 2026
Instrument	2026460860
Transaction Type	Transfer
Record Updated	Jun 10, 2026
Title Company	CHICAGO TITLE MERIDIAN, CHICAGO TITLE OF MICHIGAN

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$140,895.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	315 MCCUMBER ST, BUCHANAN, MI 49107-1132

Mortgage

Document Number	0000460861,
Date	May 14, 2026
Instrument	2026460861

Lender

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 14, 2056

Interest

Rate	6.46%
Max Rate	-1%

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BERRIEN MI
Recording Date	May 14, 2026
Property Address	315 MCCUMBER ST, BUCHANAN, MI 49107-1132
Document Number	03477/1959
Book / Page	3477 / 1959
Instrument Date	May 14, 2026
Instrument	2026460860
Transaction Type	Transfer
Record Updated	Aug 26, 2026
Title Company	CHICAGO TITLE W, CHICAGO TITLE OF MICHIGAN

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$140,895.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	315 MCCUMBER ST, BUCHANAN, MI 49107-1132

Mortgage

Document Number	0000460861,
Date	May 14, 2026
Instrument	2026460861

Lender

Name	FERGUSON MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 14, 2056

Interest

Max Rate	-1%

August 2022: Personal Representative Deed, Transfer

Document Type	Personal Representative Deed
Jurisdiction	BERRIEN MI
Recording Date	Aug 19, 2022
Property Address	315 MCCUMBER ST, BUCHANAN, MI 49107-1132
Document Number	03383/1393
Book / Page	3383 / 1393
Map Reference	LB 7 PG 6
Instrument Date	Aug 9, 2022
Instrument	2022360480
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	$960.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2855 REDBUD TRL, NILES, MI 49120-8724

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	315 MCCUMBER ST, BUCHANAN, MI 49107-1132

Mortgage

Document Number	0033831395
Date	Aug 19, 2022
Instrument	3383-1395

Lender

Name	FLAGSTAR BANK FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 315 McCumber St was $2,704 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		$82,700 (+10.12%)	$165,400 (+10.12%)
2025	$2,704.00 (+2.23%) Homeowner's exemption	$75,100	$150,200
2024	$2,645.00
2023		$64,200	$128,400
2022	$1,873.00

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 315 McCumber St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 10, 2024

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 315 McCumber 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	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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