319 E Clay St, New Buffalo, MI 49117 Property Records

Berrien County property record for 319 E Clay St, New Buffalo, MI 49117

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 988 sqft
Lot Size	0.25 acres (10,890 sqft)
Owner	2 Company Names on Record
Tax Bill	$3,410 (2025)
Deeds & Mortgages	Feb 2020 Mortgage Mar 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`62-8200-0213-00-7`

Property Details

APN / Parcel Number

Primary APN	`62-8200-0213-00-7`
Alternative APN	`11-62-8200-0213-00-7`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	988 sqft Living Area
1st Floor Area	988 sqft
Basement Area	988 sqft
Unfinished Basement	988 sqft

Exterior

Lot Area	10,890 sqft (0.25 acres)
Lot Dimensions	165 ft deep x 66 ft wide

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	319 E CLAY ST
City	NEW BUFFALO
State	MI
Zip	49117-1410
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	COM AT NE COR BLK 213 VIRGINIA ADD TO VILLAGE NOW CITY OF NEW BUFFALO TH N60DEG E 30' S30DEG E 165' S60DEG W 96' N30DEG W 165' TH N60DEG E 66' TO POB
Legal Subdivision	VIRGINIA ADD
Legal Block	213
Jurisdiction	BERRIEN MI
Township / Civil Division	NEW BUFFALO
Census Block Group	2
Census Block	2093
Census Tract	11301

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	2 Company Names on Record
Mailing Address	5034 W ARGYLE ST, CHICAGO, IL 60630-2307
Owner Type	Company
Vesting	Trust, Living Trust

Deeds, Mortgages & Sale History

Date	Document
Feb 18, 2020	Deed of Trust, Mortgage · Conventional Mortgage THE FIRST NATIONAL BANK OF OTTAWA
Mar 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage THE FIRST NATIONAL BANK OF OTTAWA
Feb 7, 2022	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 13, 2006
Deed Sale	Jul 13, 2006
Prior Sale	May 11, 2001 · Amount on Record
Deed Book / Page	2724 / 2047
Last Transfer Date	Dec 16, 2021
Transfer Doc	0003363/41
Record Updated	Oct 29, 2026

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	319 E CLAY ST, NEW BUFFALO, MI 49117-1410
Transaction Type	Mortgage
Record Updated	Nov 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	03265/1088
Date	Feb 18, 2020
Book Page	3265/1088

Lender

Name	THE FIRST NATIONAL BANK OF OTTAWA
Type	Bank
Address	OTTAWA, IL 61350

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2050

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	319 E CLAY ST, NEW BUFFALO, MI 49117-1410
Transaction Type	Mortgage
Record Updated	Nov 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0003319/78
Date	Mar 22, 2021
Book Page	3319/78

Lender

Name	THE FIRST NATIONAL BANK OF OTTAWA
Type	Bank
Address	OTTAWA, IL 61350

Agreement

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

February 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BERRIEN MI
Recording Date	Feb 7, 2022
Property Address	319 E CLAY ST, NEW BUFFALO, MI 49117-1410
Document Number	0003363/41
Book / Page	3363 / 41
Instrument Date	Nov 16, 2021
Instrument	2022342635
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	Living Trust
Address	5034 W ARGYLE ST, CHICAGO, IL 60630-2307

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Michigan
County	Berrien County
Municipality	New Buffalo City
Unified School District	New Buffalo Area School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$140,500 (+19.57%)	$281,000 (+19.57%)
2025	$3,410.00 (+2.93%)	$117,500 (+28.7%)	$235,000 (+28.7%)
2024	$3,313.00 (+38.79%)
2023		$91,300	$182,600
2022	$2,387.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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
Flood Insurance Cost	Premium on Record median of 10 policies
Nearby Flood Policies	10 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

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

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	NEW BUFFALO TOWNSHIP serves 2,845 people · EPA ID MI0004685
Water Source	Purchased surface water from several systems
Last State Inspection	Apr 2025
Lead	2 ppb (2020–2022) 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 84 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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