Berrien County property record for 403 S Smith St, New Buffalo, MI 49117
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 1,040 sqft · built 1964 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $2,895 (2025) |
| Deeds & Mortgages | Nov 2025 Line of Credit Jun 2021 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 62-8200-0219-07-2 |
| Primary APN | 62-8200-0219-07-2 |
|---|---|
| Alternative APN |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 1,040 sqft Living Area |
| 1st Floor Area | 1,040 sqft |
| Basement Area | 1,040 sqft |
| Unfinished Basement | 1,040 sqft |
| Year Built | Built 1964 |
|---|---|
| Effective Year Built | Effective 1964 |
| Lot Area | 8,712 sqft (0.2 acres) |
| Lot Dimensions | 132 ft deep x 66 ft wide |
| Garage Area | 312 sqft |
| Parking Spaces | 1 Parking Space |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 403 S SMITH ST |
|---|---|
| City | NEW BUFFALO |
| State | MI |
| Zip | 49117-1749 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1 |
| Legal Description | COM AT NWLY COR BLK 219 VIRGINIA ADD TO CITY OF NEW BUFFALO TH N60 DEG E 66'TH S30DEG E 132'TH S60DEG W 66'TH N30DEG W 132'TO |
| Legal Subdivision | VIRGINIA ADD |
| Legal Block | 219 |
| Jurisdiction | BERRIEN MI |
| Township / Civil Division | NEW BUFFALO |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 11301 |
Source: Berrien County records · APN 62-8200-0219-07-2
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 | Individual Name on File |
|---|---|
| Mailing Address | 403 S SMITH ST, NEW BUFFALO, MI 49117-1749 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 20, 2025 | Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC |
| Jun 28, 2021 | Deed of Trust, Mortgage · Conventional Mortgage BROKER SOLUTIONS INC |
| May 31, 2019 | Deed of Trust, Mortgage · Conventional Mortgage LENDERFI INC |
| Apr 26, 2021 | Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC |
| Jul 09, 2018 | Intrafamily Transfer, Transfer · Conventional Mortgage LENDERFI INC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jun 02, 2015 |
| Deed Sale | Jun 02, 2015 |
| Prior Sale | Sep 10, 2009 |
| Deed Book / Page | 3104 / 2925 |
| Transfer Doc | 03210/2486 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERRIEN MI |
| Property Address | 403 S SMITH ST, NEW BUFFALO, MI 49117-1749 |
| Transaction Type | Mortgage |
| Record Updated | Dec 12, 2025 |
| Name | Verified Name |
|---|---|
| Address | 403 S SMITH ST, NEW BUFFALO, MI 49117-1749 |
| Document Number | 003465/223 |
|---|---|
| Date | Nov 20, 2025 |
| Book Page | 3465/223 |
| Instrument | 2025446618 |
| Name | FIGURE LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 08, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERRIEN MI |
| Property Address | 403 S SMITH ST, NEW BUFFALO, MI 49117-1749 |
| Transaction Type | Mortgage |
| Record Updated | Nov 09, 2023 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN |
| Name | Verified Name |
|---|
| Document Number | 03333/1656 |
|---|---|
| Date | Jun 28, 2021 |
| Book Page | 3333/1656 |
| Name | BROKER SOLUTIONS INC |
|---|---|
| Type | Mortgage Company |
| Address | TUSTIN, CA 92780 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 358 Months |
| Due | Apr 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERRIEN MI |
| Property Address | 403 S SMITH ST, NEW BUFFALO, MI 49117-1749 |
| Transaction Type | Mortgage |
| Record Updated | Nov 09, 2023 |
| Name | Verified Name |
|---|
| Document Number | 03238/3388 |
|---|---|
| Date | May 31, 2019 |
| Book Page | 3238/3388 |
| Name | LENDERFI INC |
|---|---|
| Type | Lending Institution |
| Address | CALABASAS, CA 91302 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 01, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERRIEN MI |
| Property Address | 403 S SMITH ST, NEW BUFFALO, MI 49117-1749 |
| Transaction Type | Mortgage |
| Record Updated | Nov 09, 2023 |
| Name | Verified Name |
|---|
| Document Number | 03324/1611 |
|---|---|
| Date | Apr 26, 2021 |
| Book Page | 3324/1611 |
| Name | FIGURE LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Address | RENO, NV 89501 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 17, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | BERRIEN MI |
| Recording Date | Jul 09, 2018 |
| Property Address | 403 S SMITH ST, NEW BUFFALO, MI 49117-1749 |
| Document Number | 03210/2486 |
| Book / Page | 3210 / 2486 |
| Map Reference | LB E PG291 |
| Instrument Date | Jun 29, 2018 |
| Transaction Type | Transfer |
| Record Updated | Nov 09, 2023 |
| Title Company | AMROCK INC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 403 S SMITH ST, NEW BUFFALO, MI 49117-1749 |
| Document Number | 0032102488 |
|---|---|
| Date | Jul 09, 2018 |
| Instrument | 3210/2488 |
| Name | LENDERFI INC |
|---|---|
| Type | Lending Institution |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 01, 2048 |
Source: Berrien County records · Assessment roll updated June 5, 2026 · Last verified June 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Berrien County |
| Municipality | New Buffalo City |
| Unified School District | New Buffalo Area School District (KG - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $221,800 (+20.74%) | $443,600 (+20.74%) | |
| 2025 | $2,895.00 (+10.41%) Homeowner's exemption | $183,700 (+39.06%) | $367,400 (+39.06%) |
| 2024 | $2,622.00 (+8.98%) | ||
| 2023 | $132,100 | $264,200 | |
| 2022 | $2,406.00 |
Source: FEMA National Flood Hazard Layer, Berrien County (26021C), as of September 10, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 260210113011, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 2 in force |
| Wildfire Risk | Low lower than 96% of the US · lower than 91% of Michigan |
|---|---|
| Wildfire Likelihood | Under 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) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
Based on FCC filings for 352 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System, water system MI0004685, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | NEW BUFFALO TOWNSHIP serves 2,845 people |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Apr 2025 |
| Lead | 2 ppb (2020–2022) action level 15 ppb |
| 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 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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