460 S State St, Niles, MI 49120 Property Records

Berrien County property record for 460 S State St, Niles, MI 49120

Property Summary

Property Type	Single Family Home
Details	1 ba · 767 sqft
Lot Size	0.119 acres (5,184 sqft)
Owner	Individual Name on File
Last Sale	$67,000 (Mar 2019)
Tax Bill	$1,383 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Mar 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`74-2050-0057-00-9`

Property Details

APN / Parcel Number

Primary APN	`74-2050-0057-00-9`
Alternative APN	`11-74-2050-0057-00-9`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	767 sqft Living Area
1st Floor Area	767 sqft
Basement Area	767 sqft
Unfinished Basement	767 sqft

Exterior

Lot Area	5,184 sqft (0.119 acres)
Lot Dimensions	115 ft deep x 45 ft wide
Garage Area	352 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	460 S STATE ST
City	NILES
State	MI
Zip	49120-2974
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	LDR
Legal Description	LOT 57 EARL'S FIRST ADDITION CITY OF NILES ALSO THE E1/2 OF VAC ALLEY LYING W OF SD LOT PER MISC 166/136
Legal Subdivision	EARLS FIRST ADDITION
Legal Lot Number	57
Legal Unit	57
Jurisdiction	BERRIEN MI
Township / Civil Division	NILES
Census Block Group	4
Census Block	4006
Census Tract	20600

Owner

460 S State St is owned and occupied by an individual who bought it in March 2019.

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

Owner of Record	Individual Name on File
Mailing Address	460 S STATE ST, NILES, MI 49120-2974
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, 2021	Deed of Trust, Mortgage · Conventional Mortgage RUOFF MORTGAGE COMPANY INC
Mar 25, 2019	Warranty Deed, Transfer · Conventional Mortgage RUOFF MORTGAGE COMPANY INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 25, 2019 · Amount on File
Deed Sale	Mar 25, 2019 · Amount on File
Prior Sale	Mar 25, 2019 · Amount on File
Deed Book / Page	3232 / 3234
Prior Transfer Date	Jan 24, 2006
Prior Transfer Doc	02686/1160
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	460 S STATE ST, NILES, MI 49120-2974
Transaction Type	Mortgage
Record Updated	Nov 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	460 S STATE ST, NILES, MI 49120-2974

Mortgage

Document Number	003341/564
Date	Aug 23, 2021
Book Page	3341/564

Lender

Name	RUOFF MORTGAGE COMPANY INC
Type	Mortgage Company
Address	FORT WAYNE, IN 46804

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2051

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BERRIEN MI
Recording Date	Mar 25, 2019
Property Address	460 S STATE ST, NILES, MI 49120-2974
Document Number	03232/3234
Book / Page	3232 / 3234
Map Reference	LB 4 PG 29
Instrument Date	Mar 22, 2019
Transaction Type	Transfer
Record Updated	Nov 9, 2023
Title Company	MERIDIAN TITLE CORPORATION

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$576.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	460 S STATE ST, NILES, MI 49120-2974

Mortgage

Document Number	0032323237
Date	Mar 25, 2019
Instrument	3232/3237

Lender

Name	RUOFF MORTGAGE COMPANY INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 460 S State St was $1,383 with a homeowner's exemption, up 2.4% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$57,500 (-1.03%)	$115,000 (-1.03%)
2025	$1,383.00 (+2.37%) Homeowner's exemption	$58,100	$116,200
2024	$1,351.00
2023		$50,100	$100,200
2022	$1,234.00

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

Flood

FEMA maps place 460 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 460 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	Direct burnable vegetation

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 94 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
AT&T Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Midwest Energy & Communications.

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