615 Howard St, Niles, MI 49120 Property Records

Berrien County property record for 615 Howard St, Niles, MI 49120

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,236 sqft · built 1917
Lot Size	0.101 acres (4,400 sqft)
Owner	Individual Name on Record
Last Sale	$117,000 (Mar 2023)
Tax Bill	$2,410 (2025)
Deeds & Mortgages	Mar 2022 Line of Credit Mar 2023 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`72-3050-0181-02-4`

Property Details

APN / Parcel Number

Primary APN	`72-3050-0181-02-4`
Alternative APN	`11-72-3050-0181-02-4`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,236 sqft Living Area
1st Floor Area	1,236 sqft
Basement Area	1,236 sqft
Unfinished Basement	1,236 sqft

Exterior

Year Built	Built 1917
Effective Year Built	Effective 1917
Lot Area	4,400 sqft (0.101 acres)
Lot Dimensions	100 ft deep x 44 ft wide
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	615 HOWARD ST
City	NILES
State	MI
Zip	49120-2434
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	LDR
Legal Description	PRT OF LOTS 180 & 181 H B HOFFMANS ADD TO NILES COM AT SW COR LOT 181 SD ADD TH E 44'N 100'W 44'S 100'TO BEG
Legal Subdivision	H B HOFFMANS ADD
Legal Lot Number	180-181
Jurisdiction	BERRIEN MI
Township / Civil Division	NILES
Census Block Group	3
Census Block	3005
Census Tract	20500

Owner

Source: Berrien County records, as of October 13, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	615 HOWARD ST, NILES, MI 49120-2434
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 11, 2022	Deed of Trust, Mortgage · Line of Credit CEFCU
Mar 2, 2023	Warranty Deed, Transfer · VA Mortgage HALLMARK HOME MORTGAGE LLC
Jun 17, 2020	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Feb 28, 2020	Warranty Deed, Transfer · FHA Mortgage RUOFF MORTGAGE COMPANY INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 2, 2023 · Amount on Record
Deed Sale	Mar 2, 2023 · Amount on Record
Prior Sale	Feb 28, 2020 · Amount on Record
Deed Document Number	2023373826
Deed Book / Page	3399 / 1244
Transfer Doc	03278/2303
Record Updated	Oct 29, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	615 HOWARD ST, NILES, MI 49120-2434
Transaction Type	Mortgage
Record Updated	Nov 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	03366/1732
Date	Mar 11, 2022
Book Page	3366/1732
Instrument	2022345317

Lender

Name	CEFCU
Type	Credit Union
Address	PEORIA, IL 61607

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BERRIEN MI
Recording Date	Mar 2, 2023
Property Address	615 HOWARD ST, NILES, MI 49120-2434
Document Number	03399/1244
Book / Page	3399 / 1244
Map Reference	LB D PG 10
Instrument Date	Feb 27, 2023
Instrument	2023373826
Transaction Type	Transfer
Record Updated	Nov 9, 2023
Title Company	CHICAGO TITLE/MI, CHICAGO TITLE OF MI INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$877.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	615 HOWARD ST, NILES, MI 49120-2434

Mortgage

Document Number	0033991247
Date	Mar 2, 2023
Instrument	3399-1247

Lender

Name	HALLMARK HOME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2053

June 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BERRIEN MI
Recording Date	Jun 17, 2020
Property Address	615 HOWARD ST, NILES, MI 49120-2434
Document Number	03278/2303
Book / Page	3278 / 2303
Map Reference	VOL D PG 10
Instrument Date	Jun 16, 2020
Transaction Type	Transfer
Record Updated	Nov 9, 2023
Title Company	ACCOMODATION, ACCOMMODATION

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
Address	615 HOWARD ST, NILES, MI 49120-2434

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BERRIEN MI
Recording Date	Feb 28, 2020
Property Address	615 HOWARD ST, NILES, MI 49120-2434
Document Number	03266/2126
Book / Page	3266 / 2126
Map Reference	VOL D PG 10
Instrument Date	Feb 28, 2020
Transaction Type	Transfer
Record Updated	Nov 9, 2023
Title Company	MTC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$688.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	615 HOWARD ST, NILES, MI 49120-2434

Mortgage

Document Number	0032662129
Date	Feb 28, 2020
Instrument	3266/2129

Lender

Name	RUOFF MORTGAGE COMPANY INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2050

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		$74,900 (+6.85%)	$149,800 (+6.85%)
2025	$2,410.00 (+2.42%) Homeowner's exemption	$70,100 (+40.48%)	$140,200 (+40.48%)
2024	$2,353.00 (+124.95%)
2023		$49,900	$99,800
2022	$1,046.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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	1 (2018)
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	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 317 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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