505 Oak St, Niles, MI 49120 Property Records

Berrien County property record for 505 Oak St, Niles, MI 49120

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,623 sqft
Lot Size	0.075 acres (3,267 sqft)
Owner	Individual Name on File
Last Sale	$71,000 (May 2017)
Tax Bill	$1,757 (2025)
Deeds & Mortgages	May 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`73-3960-0045-00-6`

Property Details

APN / Parcel Number

Primary APN	`73-3960-0045-00-6`
Alternative APN	`11-73-3960-0045-00-6`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Building Area	1,623 sqft Living Area
1st Floor Area	924 sqft
Basement Area	924 sqft
Unfinished Basement	924 sqft

Exterior

Lot Area	3,267 sqft (0.075 acres)
Lot Dimensions	74 ft deep x 44 ft wide

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	505 OAK ST
City	NILES
State	MI
Zip	49120-2729
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	LDR
Legal Description	LOT 45 SUPERS REPLAT OF LOTS 62 & 63 W JUSTICES ADD CITY OF NILES EXC THE W 4' OF LOT 45 THEREOF
Legal Subdivision	W JUSTICES ADD
Legal Lot Number	45-63
Jurisdiction	BERRIEN MI
Township / Civil Division	NILES
Census Block Group	1
Census Block	1003
Census Tract	20700

Owner

505 Oak St is owned and occupied by an individual who bought it in May 2017.

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

Owner of Record	Individual Name on File
Mailing Address	505 OAK ST, NILES, MI 49120-2729
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 2, 2017 · Amount on File
Deed Sale	May 2, 2017 · Amount on File
Prior Sale	Dec 5, 2011 · Amount on File
Deed Book / Page	3170 / 3243
Prior Transfer Date	Sep 11, 2013
Prior Transfer Doc	03051/0916
Record Updated	Oct 29, 2026

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BERRIEN MI
Recording Date	May 2, 2017
Property Address	505 OAK ST, NILES, MI 49120-2729
Document Number	03170/3243
Book / Page	3170 / 3243
Map Reference	LB9 PG45
Instrument Date	Apr 28, 2017
Transaction Type	Transfer
Record Updated	Nov 9, 2023
Title Company	CHICAGO TITLE/MI, CHICAGO TITLE OF MI INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$610.60
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	505 OAK ST, NILES, MI 49120-2729

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	505 OAK ST, NILES, MI 49120-2729

Mortgage

Document Number	0031703244
Date	May 2, 2017
Instrument	3170/3244

Lender

Name	RUOFF MORTGAGE COMPANY INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 505 Oak St was $1,757 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		$79,200 (+6.17%)	$158,400 (+6.17%)
2025	$1,757.00 (+2.45%) Homeowner's exemption	$74,600	$149,200
2024	$1,715.00
2023		$60,200	$120,400
2022	$1,569.00

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

Flood

FEMA maps place 505 Oak St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 10, 2024

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 505 Oak 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 serves 14,215 people · EPA ID MI0004740
Water Source	Groundwater
Last State Inspection	Jun 2024
Lead	2 ppb (2025) 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 515 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
Mercury Fiber Fixed Wireless	150 / 20

May also be available: AT&T, Midwest Energy & Communications, T-Mobile.

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