541 Union St, Niles, MI 49120 Property Records

Berrien County property record for 541 Union St, Niles, MI 49120

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 4,562 sqft
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on Record
Last Sale	$330,000 (Aug 2021)
Tax Bill	$6,704 (2025)
Deeds & Mortgages	Aug 2021 Sale & Mortgage Jul 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`74-6890-0014-00-0`

Property Details

APN / Parcel Number

Primary APN	`74-6890-0014-00-0`
Alternative APN	`11-74-6890-0014-00-0`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Building Area	4,562 sqft Living Area
1st Floor Area	2,353 sqft
Basement Area	1,872 sqft

Exterior

Lot Area	8,712 sqft (0.2 acres)
Lot Dimensions	132 ft deep x 66 ft wide
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	541 UNION ST
City	NILES
State	MI
Zip	49120-1536
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	LDR
Legal Description	LOT 14 J B REDDICK ADD CITY OF NILES
Legal Subdivision	J B REDDICK ADD
Legal Lot Number	14
Legal Unit	14
Jurisdiction	BERRIEN MI
Township / Civil Division	NILES
Census Block Group	3
Census Block	3003
Census Tract	20600

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	541 UNION ST, NILES, MI 49120-1536
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 2, 2021	Warranty Deed, Transfer · Conventional Mortgage OAK MORTGAGE LLC
Jul 2, 2018	Warranty Deed, Transfer · Conventional Mortgage UNITED FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 2, 2021 · Amount on Record
Deed Sale	Aug 2, 2021 · Amount on Record
Prior Sale	Jul 2, 2018 · Amount on Record
Deed Book / Page	3338 / 1337
Prior Transfer Date	Dec 17, 2013
Prior Transfer Doc	03059/3287
Record Updated	Oct 29, 2026

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BERRIEN MI
Recording Date	Aug 2, 2021
Property Address	541 UNION ST, NILES, MI 49120-1536
Document Number	03338/1337
Book / Page	3338 / 1337
Instrument Date	Jul 30, 2021
Transaction Type	Transfer
Record Updated	Nov 9, 2023
Title Company	NEAR NORTH TITLE GROUP

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,838.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5875 ROCKORY BLVD, CLARKSTON, MI 48346

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	541 UNION ST, NILES, MI 49120-1536

Mortgage

Document Number	0033381339
Date	Aug 2, 2021
Instrument	3338/1339

Lender

Name	OAK MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2051

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BERRIEN MI
Recording Date	Jul 2, 2018
Property Address	541 UNION ST, NILES, MI 49120-1536
Document Number	03210/0767
Book / Page	3210 / 0767
Map Reference	VOL27 PG25
Instrument Date	Jun 29, 2018
Transaction Type	Transfer
Record Updated	Nov 9, 2023
Title Company	DEVON TITLE COMPANY, DEVON TITLE AGENYC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,322.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	541 UNION ST, NILES, MI 49120-1536

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6258 CORNWALL CT, SYLVANIA, OH 43560

Mortgage

Document Number	0003210769
Date	Jul 2, 2018
Instrument	3210/769

Lender

Name	UNITED FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2048

Tax Assessment & Valuation

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		$332,200 (-1.42%)	$664,400 (-1.42%)
2025	$6,704.00 (+2.44%) Homeowner's exemption	$337,000 (+11.52%)	$674,000 (+11.52%)
2024	$6,544.00 (+8.99%)
2023		$302,200	$604,400
2022	$6,004.00

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

Flood

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	1 in force
Nearby Flood Claims	7 (1982–2018)
Claims Outside the SFHA	2 of 7
Most Recent Claim	Feb 2018 · river or lake flooding

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

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	Indirect within ember reach
Adjoins Burnable Land	Yes

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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