409 W Roe St, Buchanan, MI 49107 Property Records

Berrien County property record for 409 W Roe St, Buchanan, MI 49107

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 951 sqft · built 1920
Lot Size	0.273 acres (11,892 sqft)
Owner	Individual Name on File
Last Sale	$182,000 (May 2022)
Tax Bill	$2,078 (2025)
Deeds & Mortgages	Nov 2025 Line of Credit May 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`58-3050-0005-01-3`

Property Details

APN / Parcel Number

Primary APN	`58-3050-0005-01-3`
Alternative APN	`11-58-3050-0005-01-3`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Building Area	951 sqft Living Area
1st Floor Area	944 sqft
Basement Area	440 sqft
Unfinished Basement	440 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Lot Area	11,892 sqft (0.273 acres)
Lot Dimensions	140 ft deep x 85 ft wide
Garage Area	252 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	409 W ROE ST
City	BUCHANAN
State	MI
Zip	49107-1022
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1 SIN
Legal Description	LOT 6 & E 30' OF LOT 5 HIGH SCHOOL ADD TO CITY OF BUCHANAN
Legal Subdivision	HIGH SCHOOL ADD
Legal Lot Number	5-6
Legal Unit	6,5
Jurisdiction	BERRIEN MI
Township / Civil Division	BUCHANAN
Census Block Group	4
Census Block	4017
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

409 W Roe 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	409 W ROE ST, BUCHANAN, MI 49107-1022
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
Nov 18, 2025	Deed of Trust, Mortgage · Line of Credit 1ST SOURCE BANK
May 10, 2022	Warranty Deed, Transfer · Conventional Mortgage 1ST SOURCE BANK
Jan 19, 2022	Warranty Deed, Transfer · Commercial Mortgage RNC CAPITAL LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 10, 2022 · Amount on File
Deed Sale	May 10, 2022 · Amount on File
Prior Sale	Jan 19, 2022 · Amount on File
Deed Document Number	2022352634
Deed Book / Page	3373 / 2366
Prior Transfer Date	Jun 8, 2016
Prior Transfer Doc	03139/1314
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	409 W ROE ST, BUCHANAN, MI 49107-1022
Transaction Type	Mortgage
Record Updated	Dec 12, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	03464/3992
Date	Nov 18, 2025
Book Page	3464/3992
Instrument	2025446463

Lender

Name	1ST SOURCE BANK
Type	Bank
Address	NILES, MI 49120

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	205 Months
Due	Dec 15, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BERRIEN MI
Recording Date	May 10, 2022
Property Address	409 W ROE ST, BUCHANAN, MI 49107-1022
Document Number	03373/2366
Book / Page	3373 / 2366
Map Reference	LB 5 PG 2
Instrument Date	Apr 28, 2022
Instrument	2022352634
Transaction Type	Transfer
Record Updated	Nov 9, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,365.00
Amount Accuracy	Redemption Amount
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 W ROE ST, BUCHANAN, MI 49107-1022

Mortgage

Document Number	0033732367
Date	May 10, 2022
Instrument	3373-2367

Lender

Name	1ST SOURCE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2052

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BERRIEN MI
Recording Date	Jan 19, 2022
Property Address	409 W ROE ST, BUCHANAN, MI 49107-1022
Document Number	003361/241
Book / Page	3361 / 241
Map Reference	LB 5 PG 2
Instrument Date	Jan 14, 2022
Instrument	2022341020
Transaction Type	Transfer
Record Updated	Nov 9, 2023
Title Company	NEAR NORTH TITLE GROUP

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$750.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	409 W ROE ST, BUCHANAN, MI 49107-1022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1060 FLEMING ST APT 1406, 1406, GRANGER, IN 46530-1702

Mortgage

Document Number	0003361243
Date	Jan 19, 2022
Instrument	3361/243

Lender

Name	RNC CAPITAL LLC
Type	Non-Lending Institution

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	13 Months
Due	Feb 1, 2023

Tax Assessment & Valuation

The 2025 property tax bill for 409 W Roe St was $2,078 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		$73,600 (+12.71%)	$147,200 (+12.71%)
2025	$2,078.00 (+2.21%) Homeowner's exemption	$65,300	$130,600
2024	$2,033.00
2023		$49,200	$98,400
2022	$1,119.00

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 409 W Roe St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1996.

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	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 409 W Roe 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 94% of the US · lower than 87% of Michigan
Wildfire Likelihood	Under 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	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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