405 Phelps St, Buchanan, MI 49107 Property Records

Berrien County property record for 405 Phelps St, Buchanan, MI 49107

Property Summary

Property Type	Single Family Home
Details	5 bd · 1 ba · 1,680 sqft · built 1890
Lot Size	0.37 acres (16,117 sqft)
Owner	Individual Name on File
Last Sale	$89,999 (May 2017)
Tax Bill	$1,662 (2025)
Deeds & Mortgages	Oct 2023 Line of Credit Sep 2023 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`58-0035-0157-00-0`

Property Details

APN / Parcel Number

Primary APN	`58-0035-0157-00-0`
Alternative APN	`11-58-0035-0157-00-0`

Interior

Bedrooms	5 Beds
Full Baths	1 Bath
Building Area	1,680 sqft Living Area
1st Floor Area	936 sqft
Basement Area	936 sqft
Unfinished Basement	936 sqft

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Lot Area	16,117 sqft (0.37 acres)
Lot Dimensions	132 ft deep x 124 ft wide
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	405 PHELPS ST
City	BUCHANAN
State	MI
Zip	49107-1547
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1 SIN
Legal Description	COM AT SW COR LOT 1 BLK D A B CLARK ADD TO BUCHANAN TH N 62' W 132' S 124' E 132' N 62' TO POB SEC 35 T7S R18W
Legal Range	18W
Legal Township	07S
Legal Section	35
Legal Subdivision	BLK D A B CLARK ADD
Legal Block	D
Legal Lot Number	1
Legal Unit	1
Jurisdiction	BERRIEN MI
Township / Civil Division	BUCHANAN
Census Block Group	4
Census Block	4026
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

405 Phelps St is owned and occupied by an individual who acquired it in September 2023.

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

Owner of Record	Individual Name on File
Mailing Address	405 PHELPS ST, BUCHANAN, MI 49107-1547
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

Date	Document
Oct 9, 2023	Deed of Trust, Mortgage · Line of Credit HONOR CU
Sep 22, 2023	Intrafamily Transfer, Transfer
May 2, 2017	Warranty Deed, Transfer · Conventional Mortgage CHEMICAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 2, 2017 · Amount on File
Deed Sale	May 2, 2017 · Amount on File
Prior Sale	Oct 17, 1980 · Amount on File
Deed Book / Page	3170 / 3216
Last Transfer Date	Sep 22, 2023
Transfer Doc	03412/2206
Record Updated	Oct 29, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	405 PHELPS ST, BUCHANAN, MI 49107-1547
Transaction Type	Mortgage
Record Updated	Nov 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	405 PHELPS ST, BUCHANAN, MI 49107-1547

Mortgage

Document Number	03413/3105
Date	Oct 9, 2023
Book Page	3413/3105
Instrument	2023390644

Lender

Name	HONOR CU
Type	Credit Union
Address	BERRIEN SPRINGS, MI 49103

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Oct 12, 2043

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BERRIEN MI
Recording Date	Sep 22, 2023
Property Address	405 PHELPS ST, BUCHANAN, MI 49107-1547
Document Number	03412/2206
Book / Page	3412 / 2206
Instrument Date	Sep 8, 2023
Instrument	2023389531
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
Address	405 PHELPS ST, BUCHANAN, MI 49107-1547

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BERRIEN MI
Recording Date	May 2, 2017
Property Address	405 PHELPS ST, BUCHANAN, MI 49107-1547
Document Number	03170/3216
Book / Page	3170 / 3216
Instrument Date	Apr 28, 2017
Transaction Type	Transfer
Record Updated	Nov 9, 2023
Title Company	CHICAGO TITLE/MI, CHICAGO TITLE OF MI INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$774.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1480 CAMP RD, BUCHANAN, MI 49107-8100

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	405 PHELPS ST, BUCHANAN, MI 49107-1547

Mortgage

Document Number	0031703218
Date	May 2, 2017
Instrument	3170/3218

Lender

Name	CHEMICAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 405 Phelps St was $1,662 with a homeowner's exemption, up 2.3% 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		$98,300 (+20.47%)	$196,600 (+20.47%)
2025	$1,662.00 (+2.28%) Homeowner's exemption	$81,600	$163,200
2024	$1,625.00
2023		$52,600 (+25.84%)	$105,200 (+25.84%)
2022	$1,540.00 Homeowner's exemption	$41,800	$83,600

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 405 Phelps St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	6 in force
Nearby Flood Claims	1 (1996)
Claims Outside the SFHA	1 of 1
Most Recent Claim	May 1996 · 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

Wildfire risk around 405 Phelps 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 99.1% of the US · lower than 98.4% 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 198 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20

May also be available: Mercury Fiber.

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