321 Lake St, Buchanan, MI 49107 Property Records

Berrien County property record for 321 Lake St, Buchanan, MI 49107

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 960 sqft · built 1901
Lot Size	0.348 acres (15,159 sqft)
Owner	Individual Name on File
Last Sale	$148,000 (May 2022)
Tax Bill	$2,992 (2025)
Deeds & Mortgages	May 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`58-6860-0009-01-3`

Property Details

APN / Parcel Number

Primary APN	`58-6860-0009-01-3`
Alternative APN	`11-58-6860-0009-01-3`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Building Area	960 sqft Living Area
1st Floor Area	800 sqft
Basement Area	480 sqft
Unfinished Basement	480 sqft

Exterior

Year Built	Built 1901
Effective Year Built	Effective 1901
Lot Area	15,159 sqft (0.348 acres)
Lot Dimensions	233 ft deep x 65 ft wide
Garage Area	960 sqft
Parking Spaces	4 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	321 LAKE ST
City	BUCHANAN
State	MI
Zip	49107-1216
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1 SIN
Legal Description	THE N 56.76' OF LOT 9 ROSS & ALEXANDERS 2ND ADD TO CITY OF BUCHANAN ALSO THE S 8' OF LOT 10 IN SD ADD
Legal Subdivision	ROSS & ALEXANDERS ADDITION
Legal Lot Number	9-10
Legal Unit	9,10
Jurisdiction	BERRIEN MI
Township / Civil Division	BUCHANAN
Census Block Group	5
Census Block	5005
Census Tract	20200

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Buchanan North and West Neighborhoods Historic District listed 2011 · 575 contributing resources · NRIS 11000863

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

321 Lake St is owned and occupied by an individual who bought it in May 2022.

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

Owner of Record	Individual Name on File
Mailing Address	321 LAKE ST, BUCHANAN, MI 49107-1216
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 6, 2022 · Amount on File
Deed Sale	May 6, 2022 · Amount on File
Prior Sale	Jun 10, 2016 · Amount on File
Deed Document Number	2022352367
Deed Book / Page	3373 / 1266
Prior Transfer Date	Aug 10, 2006
Prior Transfer Doc	02735/1070
Record Updated	Oct 29, 2026

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BERRIEN MI
Recording Date	May 6, 2022
Property Address	321 LAKE ST, BUCHANAN, MI 49107-1216
Document Number	03373/1266
Book / Page	3373 / 1266
Map Reference	LB 27 PG 14
Instrument Date	Apr 29, 2022
Instrument	2022352367
Transaction Type	Transfer
Record Updated	Nov 9, 2023
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,110.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	321 LAKE ST, BUCHANAN, MI 49107-1216

Mortgage

Document Number	0033731267
Date	May 6, 2022
Instrument	3373-1267

Lender

Name	FLAGSTAR BANK FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 321 Lake St was $2,992 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		$83,100 (-0.24%)	$166,200 (-0.24%)
2025	$2,992.00 (+2.22%) Homeowner's exemption	$83,300	$166,600
2024	$2,927.00
2023		$71,100	$142,200
2022	$2,288.00

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 321 Lake St in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1981.

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	3 in force
Nearby Flood Claims	3 (1981–1982)
Most Recent Claim	Mar 1982 · tidal / storm surge

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 321 Lake 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 405 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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