404 W Front St, Buchanan, MI 49107 Property Records

Berrien County property record for 404 W Front St, Buchanan, MI 49107

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,400 sqft · built 1915
Lot Size	0.267 acres (11,631 sqft)
Owner	Individual Name on File
Last Sale	$40,000 (May 1988)
Tax Bill	$1,993 (2025)
Deeds & Mortgages	Mar 2026 Second Mortgage Feb 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`58-6850-0005-00-2`

Property Details

APN / Parcel Number

Primary APN	`58-6850-0005-00-2`
Alternative APN	`11-58-6850-0005-00-2`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Building Area	1,400 sqft Living Area
1st Floor Area	1,400 sqft
Basement Area	952 sqft
Unfinished Basement	952 sqft

Exterior

Year Built	Built 1915
Effective Year Built	Effective 1915
Lot Area	11,631 sqft (0.267 acres)
Lot Dimensions	176 ft deep x 66 ft wide
Garage Area	264 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	404 W FRONT ST
City	BUCHANAN
State	MI
Zip	49107-1112
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1 SIN
Legal Description	LOT 5 BLK 13 ROSS & ALEXANDERS ADD TO CITY OF BUCHANAN
Legal Subdivision	ROSS & ALEXANDERS ADD
Legal Block	13
Legal Lot Number	5
Legal Unit	5
Jurisdiction	BERRIEN MI
Township / Civil Division	BUCHANAN
Census Block Group	5
Census Block	5009
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

404 W Front St is owned and occupied by an individual who bought it in May 1988.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	404 W FRONT ST, BUCHANAN, MI 49107-1112
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 2, 2026	Deed of Trust, Mortgage · Stand-Alone Second Mortgage ALPENA ALCONA AREA CU
Feb 25, 2019	Deed of Trust, Mortgage FIFTH THIRD BANK
Nov 16, 2020	Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK
Nov 16, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 17, 1988 · Amount on File
Deed Sale	May 17, 1988 · Amount on File
Prior Sale	May 20, 1985 · Amount on File
Deed Book / Page	1342 / 733
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	404 W FRONT ST, BUCHANAN, MI 49107-1112
Transaction Type	Mortgage
Record Updated	Mar 31, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	404 W FRONT ST, BUCHANAN, MI 49107-1112

Mortgage

Document Number	003471/776
Date	Mar 2, 2026
Book Page	3471/776
Instrument	2026452806

Lender

Name	ALPENA ALCONA AREA CU
Type	Credit Union
Address	ALPENA, MI 49707

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	121 Months
Due	Apr 1, 2036

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	404 W FRONT ST, BUCHANAN, MI 49107-1112
Transaction Type	Mortgage
Record Updated	Nov 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	03229/3470
Date	Feb 25, 2019
Book Page	3229/3470

Lender

Name	FIFTH THIRD BANK
Type	Bank
Address	GRAND RAPIDS, MI 49546

Agreement

Amount	Amount on Record
Term	241 Months
Due	Mar 1, 2039

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	404 W FRONT ST, BUCHANAN, MI 49107-1112
Transaction Type	Mortgage
Record Updated	Nov 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	03300/1104
Date	Nov 16, 2020
Book Page	3300/1104

Lender

Name	FIFTH THIRD BANK
Type	Bank
Address	GRAND RAPIDS, MI 49546

Agreement

Type	Line of Credit
Amount	Amount on Record

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	404 W FRONT ST, BUCHANAN, MI 49107-1112
Transaction Type	Mortgage
Record Updated	Nov 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	03300/1088
Date	Nov 16, 2020
Book Page	3300/1088

Lender

Name	FIFTH THIRD BANK
Type	Bank
Address	GRAND RAPIDS, MI 49546

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	239 Months
Due	Oct 1, 2040

Tax Assessment & Valuation

The 2025 property tax bill for 404 W Front St was $1,993 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		$86,900 (+5.98%)	$173,800 (+5.98%)
2025	$1,993.00 (+2.21%) Homeowner's exemption	$82,000	$164,000
2024	$1,950.00
2023		$70,400	$140,800
2022	$1,847.00

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

Flood

FEMA maps place 404 W Front 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 404 W Front St is low, with less than 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 96% of the US · lower than 91% of Michigan
Wildfire Likelihood	Under 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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