421 E Merchant St, New Buffalo, MI 49117 Property Records

Berrien County property record for 421 E Merchant St, New Buffalo, MI 49117

Property Summary

Property Type	Single Family Home
Details	2 ba · 822 sqft · built 1925
Lot Size	0.14 acres (6,098 sqft)
Owner	Trust Name on File
Last Sale	$155,000 (Aug 2016)
Tax Bill	$6,046 (2025)
Deeds & Mortgages	Oct 2022 Transfer Oct 2022 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`62-1150-0032-03-9`

Property Details

APN / Parcel Number

Primary APN	`62-1150-0032-03-9`
Alternative APN	`11-62-1150-0032-03-9`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	822 sqft Living Area
1st Floor Area	822 sqft
Basement Area	528 sqft
Unfinished Basement	528 sqft

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1925
Lot Area	6,098 sqft (0.14 acres)
Lot Dimensions	100 ft deep x 60 ft wide
Garage Area	216 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	421 E MERCHANT ST
City	NEW BUFFALO
State	MI
Zip	49117-1174
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2
Legal Description	THE NW'LY 100' OF LOT 32 CENTRAL ADD TO VILLAGE OF NEW BUFFALO WHOSE SE'LY BOUNDARY IS PAR TO THE NW'LY BOUNDARY OF SD LOT 32
Legal Subdivision	CENTRAL ADD
Legal Lot Number	32
Legal Unit	32,32
Jurisdiction	BERRIEN MI
Township / Civil Division	NEW BUFFALO
Census Block Group	2
Census Block	2007
Census Tract	11302

Owner

421 E Merchant St is held in a trust since August 2022.

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

Owner of Record	Trust Name on File
Mailing Address	3 OAK BROOK CLUB DR, E208, OAK BROOK, IL 60523-8555
Owner Type	Company
Vesting	Trust

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 17, 2022	Intrafamily Transfer, Transfer
Oct 17, 2022	Intrafamily Transfer, Transfer
May 25, 2021	Warranty Deed, Transfer · Conventional Mortgage BANK OF AMERICA NA
Sep 18, 2019	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 18, 2016 · Amount on File
Deed Sale	Aug 18, 2016 · Amount on File
Prior Sale	Jan 20, 2006
Deed Book / Page	3145 / 1627
Last Transfer Date	Aug 1, 2022
Transfer Doc	003389/248
Record Updated	Oct 29, 2026

October 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BERRIEN MI
Recording Date	Oct 17, 2022
Property Address	421 E MERCHANT ST, NEW BUFFALO, MI 49117-1174
Document Number	003389/251
Book / Page	3389 / 251
Map Reference	LB 6 PG 5
Instrument Date	Aug 1, 2022
Instrument	2022364959
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
Relationship	Living Trust
Address	3 OAK BROOK CLUB DR APT E208, E208, OAK BROOK, IL 60523-8555

October 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BERRIEN MI
Recording Date	Oct 17, 2022
Property Address	421 E MERCHANT ST, NEW BUFFALO, MI 49117-1174
Document Number	003389/248
Book / Page	3389 / 248
Instrument Date	Aug 1, 2022
Instrument	2022364958
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	3 OAK BROOK CLUB DR APT E208, E208, OAK BROOK, IL 60523-8555

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BERRIEN MI
Recording Date	May 25, 2021
Property Address	421 E MERCHANT ST, NEW BUFFALO, MI 49117-1174
Document Number	03328/2793
Book / Page	3328 / 2793
Map Reference	LB 6 PG 5
Instrument Date	May 3, 2021
Transaction Type	Transfer
Record Updated	Nov 9, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	421 E MERCHANT ST, NEW BUFFALO, MI 49117-1174

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3 OAK BROOK CLUB DR APT E208, E208, OAK BROOK, IL 60523-8555

Mortgage

Document Number	0033282799
Date	May 25, 2021
Instrument	3328/2799

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jun 1, 2036

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BERRIEN MI
Recording Date	Sep 18, 2019
Property Address	421 E MERCHANT ST, NEW BUFFALO, MI 49117-1174
Document Number	03249/3463
Book / Page	3249 / 3463
Map Reference	LB 6 PG 5
Instrument Date	Sep 13, 2019
Transaction Type	Transfer
Record Updated	Nov 9, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	416 E MERCHANT ST, NEW BUFFALO, MI 49117-1175

Tax Assessment & Valuation

The 2025 property tax bill for 421 E Merchant St was $6,046, up 7.5% 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		$193,700 (+16.27%)	$387,400 (+16.27%)
2025	$6,046.00 (+7.5%)	$166,600	$333,200
2024	$5,624.00
2023		$135,500	$271,000
2022	$5,137.00

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

Flood

FEMA maps place 421 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
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

Wildfire risk around 421 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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