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

Berrien County property record for 406 E Clay St, New Buffalo, MI 49117

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,552 sqft
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on Record
Last Sale	$200,000 (Apr 2016)
Tax Bill	$4,091 (2025)
Deeds & Mortgages	Nov 2020 Mortgage Apr 2010 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`62-8200-0105-04-2`

Property Details

APN / Parcel Number

Primary APN	`62-8200-0105-04-2`
Alternative APN	`11-62-8200-0105-04-2`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,552 sqft Living Area
1st Floor Area	1,552 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Lot Area	8,712 sqft (0.2 acres)
Lot Dimensions	132 ft deep x 66 ft wide
Garage Area	220 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	406 E CLAY ST
City	NEW BUFFALO
State	MI
Zip	49117-1413
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	THE ELY 66' OF WLY 132' OF SLY 132' OF FRL BLK 105 VIRGINIA ADD TO VILLAGE OF NEW BUFFALO UNRE SUR
Legal Subdivision	VIRGINIA ADD
Legal Block	105
Jurisdiction	BERRIEN MI
Township / Civil Division	NEW BUFFALO
Census Block Group	2
Census Block	2010
Census Tract	11302

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	Individual Name on Record
Mailing Address	406 E CLAY ST, NEW BUFFALO, MI 49117-1413
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 4, 2020	Deed of Trust, Mortgage · FHA Mortgage GUARANTEED RATE INC
Apr 26, 2010	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Dec 6, 2011	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Nov 6, 2008	Deed of Trust, Mortgage CITIMORTGAGE INC
Aug 1, 2006	Warranty Deed, Transfer · ARM CITIMORTGAGE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 14, 2016 · Amount on Record
Deed Sale	Apr 14, 2016 · Amount on Record
Prior Sale	Aug 1, 2006
Deed Book / Page	3133 / 1606
Record Updated	Oct 29, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	406 E CLAY ST, NEW BUFFALO, MI 49117-1413
Transaction Type	Mortgage
Record Updated	Jun 8, 2026
Title Company	RAVENSWOOD TITLE COMPANY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	03298/2400
Date	Nov 4, 2020
Book Page	3298/2400

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2050

April 2010: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	406 E CLAY ST, NEW BUFFALO, MI 49117-1413
Transaction Type	Mortgage
Record Updated	Jun 8, 2026
Title Company	TITLESERV INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02919/0153
Date	Apr 26, 2010
Book Page	2919/0153

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	NEWARK, NJ 07101

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Apr 1, 2025

December 2011: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	406 E CLAY ST, NEW BUFFALO, MI 49117-1413
Transaction Type	Mortgage
Record Updated	Jun 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02977/0540
Date	Dec 6, 2011
Book Page	2977/0540

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Dec 1, 2026

November 2008: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	406 E CLAY ST, NEW BUFFALO, MI 49117-1413
Transaction Type	Mortgage
Record Updated	Jun 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02864/0606
Date	Nov 6, 2008
Book Page	2864/0606

Lender

Name	CITIMORTGAGE INC
Type	Mortgage Company
Address	LONG ISLAND CITY, NY 11120

Agreement

Amount	Amount Recorded
Term	354 Months
Due	May 1, 2038

Interest

Rate Type	Fixed Rate
Rate	5.37%
Type Change Date	May 1, 2013
Change Frequency	Annually
Min Rate At Change	3.37%
Max Rate At Change	7.37%
Index	1-Year T-Bill
Max Rate	10.3%

August 2006: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BERRIEN MI
Recording Date	Aug 1, 2006
Property Address	406 E CLAY ST, NEW BUFFALO, MI 49117-1413
Document Number	02730/1733
Book / Page	2730 / 1733
Map Reference	DD E PG291
Instrument Date	Jun 22, 2006
Transaction Type	Transfer
Record Updated	Jun 8, 2026

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	284 COLUMBINE DR, CLARENDON HILLS, IL 60514-1008

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	142 S KENILWORTH AVE, OAK PARK, IL 60302-2815

Mortgage

Document Number	0027301734
Date	Aug 1, 2006
Instrument	2730/1734

Lender

Name	CITIMORTGAGE INC
Type	Mortgage Company

Agreement

Type	ARM
Amount	Amount Recorded
Term	359 Months
Due	Jul 1, 2036

Interest

Rate Type	Adjustable Rate
Rate	6.37%
Change Frequency	Annually
Index	1-Year T-Bill

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		$281,900 (+39.83%)	$563,800 (+39.83%)
2025	$4,091.00 (+20.32%)
2023		$201,600	$403,200
2022	$3,400.00

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
Nearby Flood Policies	2 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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