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545 Union St, Niles, MI 49120 Property Records

Berrien County property record for 545 Union St, Niles, MI 49120

Property Summary

Property TypeSingle Family Home
Details1.5 ba · 1,478 sqft
Lot Size0.133 acres (5,793 sqft)
OwnerIndividual Name on File
Tax Bill$1,076 (2025)
Deeds & MortgagesFeb 2024 Transfer
Mar 2022 Mortgage
Flood ZoneZone X (minimal risk)
APN74-6890-0016-00-2

Property Details

APN / Parcel Number

Primary APN74-6890-0016-00-2
Alternative APN
  • 11-74-6890-0016-00-2

Interior

Full Baths1.5 Baths
Half Baths1 Half Bath
Building Area1,478 sqft Living Area
1st Floor Area1,023 sqft
Basement Area799 sqft
Unfinished Basement799 sqft

Exterior

Lot Area5,793 sqft (0.133 acres)
Lot Dimensions132 ft deep x 44 ft wide
Garage Area508 sqft
Parking Spaces2 Parking Spaces

Utilities, Heating & Cooling

Heating SystemForced Air with A/C

Location & Zoning

Street Address545 UNION ST
CityNILES
StateMI
Zip49120-1536
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeLDR
Legal DescriptionTHE E 44' OF LOT 16 J B REDDICK ADD CITY OF NILES
Legal SubdivisionJ B REDDICK ADD
Legal Lot Number16
Legal Unit16
JurisdictionBERRIEN MI
Township / Civil DivisionNILES
Census Block Group3
Census Block3003
Census Tract20600

Owner

545 Union St is owned and occupied by an individual who acquired it in February 2024.

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

Owner of RecordIndividual Name on File
Mailing Address545 UNION ST, NILES, MI 49120-1536
OccupancyOwner Occupied
Owner TypeIndividual

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

DateDocument
Feb 27, 2024Intrafamily Transfer, Transfer
Mar 29, 2022Deed of Trust, Mortgage · Conventional Mortgage
HONOR CU

Assessor's Deed Record

Deed NamesName on Deed
Last SaleSep 28, 2001
Deed SaleSep 28, 2001
Prior SaleOct 9, 1998 · Amount on File
Deed Book / Page2184 / 1515
Last Transfer DateFeb 21, 2024
Transfer Doc003421/953
Record UpdatedOct 29, 2026

February 2024: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionBERRIEN MI
Recording DateFeb 27, 2024
Property Address545 UNION ST, NILES, MI 49120-1536
Document Number003421/953
Book / Page3421 / 953
Map ReferenceLB 27 PG 25
Instrument DateFeb 21, 2024
Instrument2024398799
Transaction TypeTransfer
Record UpdatedMar 19, 2024

Transaction

Tax$0.00
Amount AccuracyTransfer Tax Exempt
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address4004 ARKONA RD, MILAN, MI 48160

Transferred To (Grantee/Buyer)

NameVerified Name
Address545 UNION ST, NILES, MI 49120-1536

March 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionBERRIEN MI
Property Address545 UNION ST, NILES, MI 49120-1536
Transaction TypeMortgage
Record UpdatedNov 9, 2023

Transferred To (Grantee/Buyer)

NameVerified Name
Address545 UNION ST, NILES, MI 49120-1536

Mortgage

Document Number003369/423
DateMar 29, 2022
Book Page3369/423
Instrument2022348914
Lender
NameHONOR CU
TypeCredit Union
AddressBERRIEN SPRINGS, MI 49103
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term181 Months
DueApr 1, 2037

Tax Assessment & Valuation

The 2025 property tax bill for 545 Union St was $1,076 with a homeowner's exemption.

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

Property Jurisdictions

TypeName
StateMichigan
CountyBerrien County
MunicipalityNiles City
Unified School DistrictNiles Community School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$79,600$159,200
2025$1,076.00
2023$70,400$140,800
2022$959.00

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

Flood

FEMA maps place 545 Union St in Zone X, an area of minimal flood risk, though there have been 7 flood claims nearby since 1982.

Source: FEMA National Flood Hazard Layer, effective September 10, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies1 in force
Nearby Flood Claims7 (1982–2018)
Claims Outside the SFHA2 of 7
Most Recent ClaimFeb 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

Wildfire risk around 545 Union 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 RiskLow
lower than 80% of the US · above 51% of Michigan
Wildfire Likelihood0.01% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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 SystemNILES TOWNSHIP
serves 2,270 people · EPA ID MI0004750
Water SourceGroundwater
Last State InspectionJun 2025
Lead2 ppb (2022–2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureLead service line inventory
Oct 2024
Monitoring and Reporting30
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

ProviderMax 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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