515 N 13th St, Niles, MI 49120 Property Records

Berrien County property record for 515 N 13th St, Niles, MI 49120

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,452 sqft · built 1939
Lot Size	0.275 acres (11,979 sqft)
Owner	Individual Name on File
Tax Bill	$1,850 (2025)
Deeds & Mortgages	May 2018 Line of Credit Jun 2017 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`72-1200-0003-01-6`

Property Details

APN / Parcel Number

Primary APN	`72-1200-0003-01-6`
Alternative APN	`11-72-1200-0003-01-6`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Building Area	1,452 sqft Living Area
1st Floor Area	968 sqft
Basement Area	968 sqft
Unfinished Basement	968 sqft

Exterior

Year Built	Built 1939
Effective Year Built	Effective 1939
Lot Area	11,979 sqft (0.275 acres)
Lot Dimensions	120 ft deep x 100 ft wide

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	515 N 13TH ST
City	NILES
State	MI
Zip	49120-2001
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	LDR
Legal Description	LOTS 3,4,5 & 6 COOLIDGES SUB OF LOTS 21 TO 24 INCL IN MOORES ADD TO CITY OF NILES
Legal Subdivision	COOLIDGES SUB
Legal Lot Number	3-21
Jurisdiction	BERRIEN MI
Township / Civil Division	NILES
Census Block Group	3
Census Block	3002
Census Tract	20900

Owner

515 N 13th St is owned and occupied by an individual who acquired it in May 2023.

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

Owner of Record	Individual Name on File
Mailing Address	515 N 13TH ST, NILES, MI 49120-2001
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
May 22, 2018	Deed of Trust, Mortgage · Line of Credit UNITED FCU
Jun 15, 2017	Deed of Trust, Mortgage · Line of Credit UNITED FCU
May 11, 2023	Intrafamily Transfer, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 21, 1991
Deed Sale	Jun 21, 1991
Prior Sale	Jan 8, 1990 · Amount on File
Deed Book / Page	1472 / 435
Last Transfer Date	May 11, 2023
Transfer Doc	03403/3399
Record Updated	Oct 29, 2026

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	515 N 13TH ST, NILES, MI 49120-2001
Transaction Type	Mortgage
Record Updated	Nov 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	03206/1129
Date	May 22, 2018
Book Page	3206/1129

Lender

Name	UNITED FCU
Type	Credit Union
Address	SAINT JOSEPH, MI 49085

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	May 25, 2028

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	515 N 13TH ST, NILES, MI 49120-2001
Transaction Type	Mortgage
Record Updated	Nov 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	03174/2990
Date	Jun 15, 2017
Book Page	3174/2990

Lender

Name	UNITED FCU
Type	Credit Union
Address	SAINT JOSEPH, MI 49085

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Jun 25, 2027

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BERRIEN MI
Recording Date	May 11, 2023
Property Address	515 N 13TH ST, NILES, MI 49120-2001
Document Number	03403/3399
Book / Page	3403 / 3399
Map Reference	VOL 6 PG 18
Instrument Date	May 5, 2023
Instrument	2023380392
Transaction Type	Transfer
Record Updated	Nov 9, 2023
Title Company	AMROCK INC, AMROCK LLC

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	Joint Tenants with Right of Survivorship
Address	515 N 13TH ST, NILES, MI 49120-2001

Mortgage

Document Number	2023380393
Date	May 11, 2023
Instrument	2023380393

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2053

Tax Assessment & Valuation

The 2025 property tax bill for 515 N 13th St was $1,850 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		$89,200 (+5.69%)	$178,400 (+5.69%)
2025	$1,850.00 (+2.38%) Homeowner's exemption	$84,400	$168,800
2024	$1,807.00
2023		$58,300	$116,600
2022	$1,653.00

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

Flood

FEMA maps place 515 N 13th St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1978.

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	1 (1978)
Most Recent Claim	Feb 1978 · tidal / storm surge

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 515 N 13th St is low, with less than 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 93% of the US · lower than 83% of Michigan
Wildfire Likelihood	Under 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 577 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20
Mercury Fiber Fixed Wireless	150 / 20

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

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