Berrien County property record for 432 S Smith St, New Buffalo, MI 49117
| Property Type | Single Family Home |
|---|---|
| Details | 1.5 ba · 1,280 sqft · built 1965 |
| Lot Size | 0.38 acres (16,553 sqft) |
| Owner | Individual Name on File |
| Last Sale | $155,000 (Aug 2009) |
| Tax Bill | $3,055 (2025) |
| Deeds & Mortgages | Apr 2026 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 62-8200-0220-03-8 |
| Primary APN | 62-8200-0220-03-8 |
|---|---|
| Alternative APN |
|
| Full Baths | 1.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,280 sqft Living Area |
| 1st Floor Area | 1,280 sqft |
| Basement Area | 1,280 sqft |
| Unfinished Basement | 1,280 sqft |
| Year Built | Built 1965 |
|---|---|
| Effective Year Built | Effective 1965 |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 16,553 sqft (0.38 acres) |
| Lot Dimensions | 126 ft deep x 132 ft wide |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 432 S SMITH ST |
|---|---|
| City | NEW BUFFALO |
| State | MI |
| Zip | 49117-1750 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1 |
| Legal Description | COM AT MOST ELY COR OF BLK 220 VIRGINIA ADD TO NEW BUFFALO TH NWLY ALONG SMITH ST 126' TH SWLY PAR WITH WASHINGTON ST 132' TH SELY PAR WITH SMITH ST 126' TO WASHINGTON ST TH NELY ALONG WASHINGTON ST 132' TO BEG |
| Legal Subdivision | VIRGINIA ADD |
| Legal Block | 220 |
| Jurisdiction | BERRIEN MI |
| Township / Civil Division | NEW BUFFALO |
| Census Block Group | 1 |
| Census Block | 1014 |
| Census Tract | 11301 |
432 S Smith St is owned and occupied by an individual who acquired it in October 2012.
Source: Berrien County records, as of September 28, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 432 S SMITH ST, NEW BUFFALO, MI 49117-1750 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 21, 2009 · Amount on File |
| Deed Sale | Aug 21, 2009 · Amount on File |
| Prior Sale | Dec 3, 2008 · Amount on File |
| Deed Book / Page | 2895 / 2842 |
| Last Transfer Date | Oct 22, 2012 |
| Transfer Doc | 03013/3317 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERRIEN MI |
| Recording Date | Apr 13, 2026 |
| Property Address | 432 S SMITH ST, NEW BUFFALO, MI 49117-1750 |
| Document Number | 0000458186 |
| Book / Page | 3474 / 3312 |
| Instrument Date | Apr 2, 2026 |
| Instrument | 2026458186 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 432 S SMITH ST, NEW BUFFALO, MI 49117-1750 |
| Document Number | 0000458186, |
|---|---|
| Date | Apr 13, 2026 |
| Book Page | 3474/3312 |
| Instrument | 2026458186 |
| Name | HONOR CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Apr 12, 2046 |
| Rate | 6% |
|---|---|
| Max Rate | -1% |
The 2025 property tax bill for 432 S Smith St was $3,055 with a homeowner's exemption, up 10.4% from the year before.
Source: Berrien County assessment roll, as of September 28, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Berrien County |
| Municipality | New Buffalo City |
| Unified School District | New Buffalo Area School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $405,400 (+15.6%) | $810,800 (+15.6%) | |
| 2025 | $3,055.00 (+10.41%) Homeowner's exemption | $350,700 | $701,400 |
| 2024 | $2,767.00 | ||
| 2023 | $240,600 | $481,200 | |
| 2022 | $2,539.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 432 S Smith 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 risk around 432 S Smith 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 352 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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