644 Decker St, Niles, MI 49120 Property Records

Berrien County property record for 644 Decker St, Niles, MI 49120 · Last verified June 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 936 sqft · built 1947
Lot Size	0.172 acres (7,492 sqft)
Owner	Individual Name on File
Last Sale	$111,000 (Jun 2025)
Tax Bill	$1,999 (2025)
Deeds & Mortgages	Mar 2023 Mortgage Jun 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`73-8280-0016-00-3`

Property Details

APN / Parcel Number

Primary APN	`73-8280-0016-00-3`
Alternative APN	`11-73-8280-0016-00-3`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	936 sqft Living Area
1st Floor Area	936 sqft
Basement Area	936 sqft
Unfinished Basement	936 sqft

Exterior

Year Built	Built 1947
Effective Year Built	Effective 1947
Lot Area	7,492 sqft (0.172 acres)
Lot Dimensions	150 ft deep x 50 ft wide
Garage Area	352 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	644 DECKER ST
City	NILES
State	MI
Zip	49120-3449
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	THE E1/2 OF LOT 16 SUPERVISORS PLAT OF VERNON HEIGHTS CITY OF NILES
Legal Subdivision	SUPRVRS OF VERNON HEIGHTS ADD
Legal Lot Number	16
Legal Unit	16
Jurisdiction	BERRIEN MI
Township / Civil Division	NILES
Census Block Group	2
Census Block	2012
Census Tract	20700

Owner

Source: Berrien County records · APN 73-8280-0016-00-3

Assessment roll updated June 5, 2026 · Last verified June 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 File
Mailing Address	644 DECKER ST, NILES, MI 49120-3449
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 15, 2023	Deed of Trust, Mortgage · Commercial Mortgage LIMA ONE CAPITAL LLC
Jun 15, 2022	Warranty Deed, Transfer · Commercial Mortgage FINLEY CAPITAL LLC

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jun 10, 2025 · Amount on Record
Deed Sale	Jun 10, 2025 · Amount on Record
Prior Sale	Jun 15, 2022 · Amount on Record
Deed Document Number	2025434397
Deed Book / Page	3452 / 2390
Prior Transfer Date	Feb 28, 2005
Prior Transfer Doc	02602/0489
Record Updated	Sep 20, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	644 DECKER ST, NILES, MI 49120-3449
Transaction Type	Mortgage
Record Updated	Nov 09, 2023
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	03400/1714
Date	Mar 15, 2023
Book Page	3400/1714
Instrument	2023376181

Lender

Name	LIMA ONE CAPITAL LLC
Type	Mortgage Company
Address	GREENVILLE, SC 29601

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 01, 2053

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BERRIEN MI
Recording Date	Jun 15, 2022
Property Address	644 DECKER ST, NILES, MI 49120-3449
Document Number	03377/1271
Book / Page	3377 / 1271
Map Reference	LB 9 PG 20
Instrument Date	Jun 14, 2022
Instrument	2022355469
Transaction Type	Transfer
Record Updated	Nov 09, 2023
Title Company	NOT AVAILABLE, MICHIANN TITLE LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$345.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1279 EDDIE DR, NILES, MI 49120-1303

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4000 E BRISTOL ST # 3171, 3171, ELKHART, IN 46514-6949

Mortgage

Document Number	0033771273
Date	Jun 15, 2022
Instrument	3377-1273

Lender

Name	FINLEY CAPITAL LLC
Type	Non-Lending Institution

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	6 Months
Due	Dec 14, 2022

Tax Assessment & Valuation

Source: Berrien County records · Assessment roll updated June 5, 2026 · Last verified June 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

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$53,700 (+6.13%)	$107,400 (+6.13%)
2025	$1,999.00 (+2.62%)	$50,600 (+53.33%)	$101,200 (+53.33%)
2024	$1,948.00 (+90.23%)
2023		$33,000	$66,000
2022	$1,024.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Berrien County (26021C), updated September 10, 2024 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 179 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
AT&T	Fiber	5,000 / 5,000
Xfinity	Cable	1,200 / 35
Verizon	Fixed Wireless	300 / 20
T-Mobile USA	Fixed Wireless	100 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: Midwest Energy Cooperative, Mercury Broadband. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

Nearby Properties on Decker St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures