315 S State St, Niles, MI 49120 Property Records

Berrien County property record for 315 S State St, Niles, MI 49120

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,069 sqft · built 2000
Lot Size	0.164 acres (7,144 sqft)
Owner	Individual Name on File
Last Sale	$175,000 (Jun 2025)
Tax Bill	$1,490 (2025)
Deeds & Mortgages	Aug 2018 Sale & Mortgage Jan 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`74-0990-0073-00-0`

Property Details

APN / Parcel Number

Primary APN	`74-0990-0073-00-0`
Alternative APN	`11-74-0990-0073-00-0`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,069 sqft Living Area
1st Floor Area	1,056 sqft
Basement Area	1,056 sqft
Unfinished Basement	1,056 sqft

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Lot Area	7,144 sqft (0.164 acres)
Lot Dimensions	132 ft deep x 54 ft wide
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	315 S STATE ST
City	NILES
State	MI
Zip	49120-2864
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	LDR
Legal Description	LOT 6 BLK 12 J BROOKFIELD ADD CITY OF NILES EXCEPT THE S 6' THEREOF
Legal Subdivision	J BROOKFIELD ADD
Legal Block	12
Legal Lot Number	6
Legal Unit	6
Jurisdiction	BERRIEN MI
Township / Civil Division	NILES
Census Block Group	4
Census Block	4004
Census Tract	20600

Owner

Source: Berrien County assessment roll, as of June 5, 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 File
Mailing Address	315 S STATE ST, NILES, MI 49120-2864
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 7, 2018	Warranty Deed, Transfer · FHA Mortgage CMG MORTGAGE INC
Jan 3, 2017	Warranty Deed, Transfer · Conventional Mortgage UNITED FCU

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jun 17, 2025 · Amount on Record
Deed Sale	Jun 17, 2025 · Amount on Record
Prior Sale	Aug 7, 2018 · Amount on Record
Deed Document Number	2025434991
Deed Book / Page	3453 / 751
Record Updated	Sep 20, 2026

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BERRIEN MI
Recording Date	Aug 7, 2018
Property Address	315 S STATE ST, NILES, MI 49120-2864
Document Number	03213/2085
Book / Page	3213 / 2085
Map Reference	LB O PG444
Instrument Date	Jul 30, 2018
Transaction Type	Transfer
Record Updated	Nov 9, 2023
Title Company	CHICAGO TITLE MERIDIAN, CHICAGO TITLE OF MICHIGAN IN

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,100.80
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	315 S STATE ST, NILES, MI 49120-2864

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1218 WALNUT ST, NILES, MI 49120-4327

Mortgage

Document Number	0032132087
Date	Aug 7, 2018
Instrument	3213/2087

Lender

Name	CMG MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2048

January 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BERRIEN MI
Recording Date	Jan 3, 2017
Property Address	315 S STATE ST, NILES, MI 49120-2864
Document Number	03159/2426
Book / Page	3159 / 2426
Map Reference	LB O PG444
Instrument Date	Dec 22, 2016
Transaction Type	Transfer
Record Updated	Nov 9, 2023
Title Company	CHICAGO TITLE/MI, CHICAGO TITLE OF MI INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,023.40
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1940 RIVER BLUFF ST, NILES, MI 49120-1145

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	315 S STATE ST, NILES, MI 49120-2864
Investor	Possibly a Property Investor

Mortgage

Document Number	0031592427
Date	Jan 3, 2017
Instrument	3159/2427

Lender

Name	UNITED FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2047

Tax Assessment & Valuation

Source: Berrien County assessment roll, as of June 5, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Berrien County
Municipality	Niles City
Unified School District	Niles Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$59,000 (+15.46%)	$118,000 (+15.46%)
2025	$1,490.00 (+12.03%)
2023		$51,100	$102,200
2022	$1,330.00

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	2 (1981)
Most Recent Claim	May 1981 · 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 80% of the US · above 51% of Michigan
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	NILES TOWNSHIP serves 2,270 people · EPA ID MI0004750
Water Source	Groundwater
Last State Inspection	Jun 2025
Lead	2 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

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, 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 377 locations within half a mile, as of December 31, 2025

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.

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