431 S State St, Niles, MI 49120 Property Records

Berrien County property record for 431 S State St, Niles, MI 49120

Property Summary

Property Type	Single Family Home
Details	1 ba · 960 sqft
Lot Size	0.127 acres (5,532 sqft)
Owner	Individual Name on File
Last Sale	$60,000 (Oct 2020)
Tax Bill	$1,971 (2025)
Deeds & Mortgages	Oct 2020 Sale & Mortgage Sep 2019 Sale
Flood Zone	Zone X (minimal risk)
APN	`74-2050-0067-00-4`

Property Details

APN / Parcel Number

Primary APN	`74-2050-0067-00-4`
Alternative APN	`11-74-2050-0067-00-4`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	960 sqft Living Area
1st Floor Area	960 sqft
Basement Area	720 sqft
Unfinished Basement	720 sqft

Exterior

Lot Area	5,532 sqft (0.127 acres)
Lot Dimensions	123 ft deep x 45 ft wide
Garage Area	768 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	431 S STATE ST
City	NILES
State	MI
Zip	49120-2973
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	LDR
Legal Description	LOT 67 EARL'S FIRST ADDITION CITY OF NILES ALSO THE W1/2 OF VAC ALLEY LYING E OF SD LOT
Legal Subdivision	EARLS FIRST ADDITION
Legal Lot Number	67
Legal Unit	67
Jurisdiction	BERRIEN MI
Township / Civil Division	NILES
Census Block Group	4
Census Block	4007
Census Tract	20600

Owner

431 S State St is owned and occupied by an individual who bought it in October 2020.

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

Owner of Record	Individual Name on File
Mailing Address	431 S STATE ST, NILES, MI 49120-2973
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
Oct 13, 2020	Warranty Deed, Transfer · Conventional Mortgage TEACHERS CU
Sep 5, 2019	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 13, 2020 · Amount on File
Deed Sale	Oct 13, 2020 · Amount on File
Prior Sale	Oct 13, 2020 · Amount on File
Deed Book / Page	3295 / 1017
Prior Transfer Date	Feb 25, 2020
Prior Transfer Doc	3266000803
Record Updated	Oct 29, 2026

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BERRIEN MI
Recording Date	Oct 13, 2020
Property Address	431 S STATE ST, NILES, MI 49120-2973
Document Number	03295/1017
Book / Page	3295 / 1017
Map Reference	LB 4 PG 29
Instrument Date	Sep 28, 2020
Transaction Type	Transfer
Record Updated	Nov 9, 2023
Title Company	CHICAGO TITLE/MT LLC, CHICAGO TITLE OF MI LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$516.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 81, SAINT JOSEPH, MI 49085-0081

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	431 S STATE ST, NILES, MI 49120-2973
Investor	Possibly a Property Investor

Mortgage

Document Number	0032951020
Date	Oct 13, 2020
Instrument	3295/1020

Lender

Name	TEACHERS CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2050

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BERRIEN MI
Recording Date	Sep 5, 2019
Property Address	431 S STATE ST, NILES, MI 49120-2973
Document Number	03248/2099
Book / Page	3248 / 2099
Map Reference	MB 4 PG 29
Instrument Date	Sep 5, 2019
Transaction Type	Transfer
Record Updated	Nov 9, 2023

Transaction

Amount	Amount on Record
Tax	$8.60
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 81, SAINT JOSEPH, MI 49085-0081

Tax Assessment & Valuation

The 2025 property tax bill for 431 S State St was $1,971.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$51,400	$102,800
2025	$1,971.00
2023		$44,800	$89,600
2022	$1,751.00

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

Flood

FEMA maps place 431 S State St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1981.

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 Claims	2 (1981)
Most Recent Claim	May 1981 · 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 431 S State 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	NILES TOWNSHIP serves 2,270 people · EPA ID MI0004750
Water Source	Groundwater
Last State Inspection	Jun 2025
Lead	2 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	30 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 377 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: Mercury Fiber, Midwest Energy & Communications.

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