420B E Merchant St, New Buffalo, MI 49117 Property Records

Berrien County property record for 420B E Merchant St, New Buffalo, MI 49117

Property Summary

Property Type	Condominium
Details	1.5 ba · 1,000 sqft · built 1980
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on File
Tax Bill	$2,137 (2025)
Deeds & Mortgages	Aug 2017 Mortgage Dec 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`62-4940-0003-00-4`

Property Details

APN / Parcel Number

Primary APN	`62-4940-0003-00-4`
Alternative APN	`11-62-4940-0003-00-4`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,000 sqft Living Area
1st Floor Area	500 sqft

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Architectural Style	Condo/Apartment
Lot Area	8,712 sqft (0.2 acres)
Lot Dimensions	130 ft deep x 66 ft wide
Garage Area	240 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	420 E MERCHANT ST, B
City	NEW BUFFALO
State	MI
Zip	49117-1175
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	R-2
Legal Description	UNIT 3 MERCHANT BOULEVARD CONDOMINIUM ASSOCIATION (MERCHANT STREET CONDOMINIUM ON EXHIBIT B) LIBER 132 PAGE 1
Legal Subdivision	MERCHANT BLVD ASSOCIATION
Legal Unit	3
Jurisdiction	BERRIEN MI
Township / Civil Division	NEW BUFFALO
Census Block Group	2
Census Block	2051
Census Tract	11301

Owner

420B E Merchant St is owned and occupied by an individual who acquired it in November 2011.

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

Owner of Record	Individual Name on File
Mailing Address	420 E MERCHANT ST, B, NEW BUFFALO, MI 49117-1175
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 23, 2017	Deed of Trust, Mortgage QUICKEN LOANS INC
Dec 13, 2021	Deed of Trust, Mortgage ROCKET MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 30, 2001
Deed Sale	Oct 30, 2001
Deed Book / Page	2198 / 2078
Last Transfer Date	Nov 17, 2011
Transfer Doc	02984/0001
Record Updated	Oct 29, 2026

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	420 E MERCHANT ST # B, B, NEW BUFFALO, MI 49117-1175
Transaction Type	Mortgage
Record Updated	Nov 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	03181/0688
Date	Aug 23, 2017
Book Page	3181/0688

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution
Address	DETROIT, MI 48226

Agreement

Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2047

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	420 E MERCHANT ST # B, B, NEW BUFFALO, MI 49117-1175
Transaction Type	Mortgage
Record Updated	Nov 9, 2023
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	420 E MERCHANT ST B, B, NEW BUFFALO, MI 49117-1175

Mortgage

Document Number	03356/1864
Date	Dec 13, 2021
Book Page	3356/1864
Instrument	3356-1864

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 420B E Merchant St was $2,137 with a homeowner's exemption, up 10.4% from the year before.

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		$133,100 (+19.16%)	$266,200 (+19.16%)
2025	$2,137.00 (+10.38%) Homeowner's exemption	$111,700	$223,400
2024	$1,936.00
2023		$87,600	$175,200
2022	$1,776.00

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

Flood

FEMA maps place 420B E Merchant St 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
Flood Insurance Cost	Premium on File median of 10 policies
Nearby Flood Policies	10 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 420B E Merchant St 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	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 243 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
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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