420 N Philip Rd, Niles, MI 49120 Property Records

Berrien County property record for 420 N Philip Rd, Niles, MI 49120

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,916 sqft · built 1964
Lot Size	0.641 acres (27,922 sqft)
Owner	Individual Name on File
Last Sale	$250,000 (Aug 2022)
Tax Bill	$2,654 (2025)
Deeds & Mortgages	Aug 2020 Mortgage Aug 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`14-5210-0017-00-5`

Property Details

APN / Parcel Number

Primary APN	`14-5210-0017-00-5`
Alternative APN	`11-14-5210-0017-00-5`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,916 sqft Living Area
1st Floor Area	1,916 sqft
Basement Area	1,916 sqft
Unfinished Basement	1,916 sqft

Exterior

Year Built	Built 1964
Effective Year Built	Effective 1964
Architectural Style	Raised Ranch
Lot Area	27,922 sqft (0.641 acres)
Lot Dimensions	271 ft deep x 103 ft wide
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	420 N PHILIP RD
City	NILES
State	MI
Zip	49120-1449
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1A
Legal Description	LOT 17, NILES VIEW NO. 1.
Legal Subdivision	NILES VIEW #1
Legal Lot Number	17
Legal Unit	17
Jurisdiction	BERRIEN MI
Township / Civil Division	NILES
Census Block Group	3
Census Block	3001
Census Tract	20400

Owner

420 N Philip Rd is owned and occupied by an individual who bought it in August 2022.

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

Owner of Record	Individual Name on File
Mailing Address	420 N PHILIP RD, NILES, MI 49120-1449
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
Aug 17, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Aug 1, 2022	Warranty Deed, Transfer · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Sep 17, 2018	Warranty Deed, Transfer · Conventional Mortgage QUICKEN LOANS INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 1, 2022 · Amount on File
Deed Sale	Aug 1, 2022 · Amount on File
Prior Sale	Sep 17, 2018 · Amount on File
Deed Document Number	2022359001
Deed Book / Page	3381 / 1670
Transfer Doc	3108002570
Record Updated	Oct 29, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	420 N PHILIP RD, NILES, MI 49120-1449
Transaction Type	Mortgage
Record Updated	Nov 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	03286/2460
Date	Aug 17, 2020
Book Page	3286/2460

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2050

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BERRIEN MI
Recording Date	Aug 1, 2022
Property Address	420 N PHILIP RD, NILES, MI 49120-1449
Document Number	03381/1670
Book / Page	3381 / 1670
Map Reference	VOL 12 PG 64
Instrument Date	Jul 22, 2022
Instrument	2022359001
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	$1,875.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	420 N PHILIP RD, NILES, MI 49120-1449

Mortgage

Document Number	0033811673
Date	Aug 1, 2022
Instrument	3381-1673

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2052

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BERRIEN MI
Recording Date	Sep 17, 2018
Property Address	420 N PHILIP RD, NILES, MI 49120-1449
Document Number	03217/1026
Book / Page	3217 / 1026
Map Reference	VOL12 PG64
Instrument Date	Aug 31, 2018
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	$1,384.60
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	420 N PHILIP RD, NILES, MI 49120-1449

Mortgage

Document Number	0032171032
Date	Sep 17, 2018
Instrument	3217/1032

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 420 N Philip Rd was $2,654 with a homeowner's exemption.

Source: Berrien County assessment roll, as of September 28, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Berrien County
County Subdivision	Niles Township
Unified School District	Niles Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$131,800	$263,600
2025	$2,654.00
2023		$82,100	$164,200
2022	$1,959.00

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 420 N Philip Rd in Zone X, an area of minimal flood risk.

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	1 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

Wildfire risk around 420 N Philip Rd is low, with 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 80% of the US · above 51% of Michigan
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 119 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
AT&T DSL	100 / 20

May also be available: Mercury Fiber.

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