Berrien County property record for 6432 Niles Rd, Saint Joseph, MI 49085
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,456 sqft · built 1959 |
| Lot Size | 1.09 acres (47,480 sqft) |
| Owner | Individual Name on File |
| Last Sale | $149,000 (Mar 2024) |
| Tax Bill | $2,334 (2025) |
| Deeds & Mortgages | Mar 2024 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 17-0028-0012-07-7 |
| Primary APN | 17-0028-0012-07-7 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 1,456 sqft Living Area |
| 1st Floor Area | 1,456 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1959 |
|---|---|
| Effective Year Built | Effective 1959 |
| Architectural Style | Raised Ranch |
| Lot Area | 47,480 sqft (1.09 acres) |
| Garage Area | 616 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 6432 NILES RD |
|---|---|
| City | SAINT JOSEPH |
| State | MI |
| Zip | 49085-9615 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | C1 GEN COM |
| Legal Description | COM 984.8' N89DEG52'E & 494.2' N35DEG14'W FROM S1/4 PST SEC 28 T5S R18W TH N35DEG14'W 115' TH S58DEG54'W 401.2' TH S20DEG50'E 111.7' TH N58DEG54'E 430.7' TO BEG |
| Legal Range | 18W |
| Legal Township | 05S |
| Legal Section | 28 |
| Jurisdiction | BERRIEN MI |
| Township / Civil Division | ROYALTON |
| Census Block Group | 3 |
| Census Block | 3022 |
| Census Tract | 1800 |
6432 Niles Rd is owned and occupied by an individual who bought it in March 2024.
Source: Berrien County records, as of September 28, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 6432 NILES RD, SAINT JOSEPH, MI 49085-9615 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 6, 2024 · Amount on File |
| Deed Sale | Mar 6, 2024 · Amount on File |
| Prior Sale | Aug 24, 2000 · Amount on File |
| Deed Document Number | 2024399721 |
| Deed Book / Page | 3421 / 3866 |
| Prior Transfer Date | Mar 18, 2014 |
| Prior Transfer Doc | 03065/3216 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BERRIEN MI |
| Recording Date | Mar 6, 2024 |
| Property Address | US 31, BERRIEN SPRINGS, MI 49103 |
| Document Number | 03421/3866 |
| Book / Page | 3421 / 3866 |
| Instrument Date | Mar 1, 2024 |
| Instrument | 2024399721 |
| Transaction Type | Transfer |
| Record Updated | Apr 3, 2024 |
| Title Company | CHICAGO TITLE/MI, CHICAGO TITLE OF MI INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,117.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 6432 E FERRY ST, BERRIEN SPRINGS, MI 49103 |
| Document Number | 2024399722 |
|---|---|
| Date | Mar 6, 2024 |
| Instrument | 2024399722 |
| Name | HONOR CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2054 |
The 2025 property tax bill for 6432 Niles Rd was $2,334 with a homeowner's exemption, up 34% from the year before.
Source: Berrien County assessment roll, as of September 28, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Berrien County |
| County Subdivision | Royalton Township |
| Unified School District | Berrien Springs Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $105,000 (+1.16%) | $210,000 (+1.16%) | |
| 2025 | $2,334.00 (+33.98%) Homeowner's exemption | $103,800 | $207,600 |
| 2024 | $1,742.00 | ||
| 2023 | $79,500 | $159,000 | |
| 2022 | $1,642.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 6432 Niles Rd in Zone X, an area of minimal flood risk, though there have been 43 flood claims 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 |
| Flood Insurance Cost | Premium on File median of 17 policies |
| Nearby Flood Policies | 17 in force |
| Nearby Flood Claims | 43 (1978–2018) |
| Claims Outside the SFHA | 11 of 43 |
| Most Recent Claim | Mar 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 risk around 6432 Niles Rd 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 | 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.
Source: FCC Broadband Data Collection, based on 27 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Starlink Satellite | 280 / 30 |
| Mercury Fiber Fixed Wireless | 150 / 20 |
5G (outdoors only) and 4G LTE
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