Berrien County property record for 645 Chippewa Trl, Niles, MI 49120
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,768 sqft · built 1962 |
| Lot Size | 0.344 acres (14,985 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $88,000 (Apr 1996) |
| Tax Bill | $3,123 (2025) |
| Deeds & Mortgages | Sep 2025 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 74-0770-0016-00-9 |
| Primary APN | 74-0770-0016-00-9 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,768 sqft Living Area |
| 1st Floor Area | 1,768 sqft |
| Basement Area | 1,768 sqft |
| Unfinished Basement | 1,768 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1962 |
|---|---|
| Effective Year Built | Effective 1962 |
| Lot Area | 14,985 sqft (0.344 acres) |
| Lot Dimensions | 150 ft deep x 100 ft wide |
| Garage Area | 528 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 645 CHIPPEWA TRL |
|---|---|
| City | NILES |
| State | MI |
| Zip | 49120-3154 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | LDR |
| Legal Description | LOT 16 BALLARD HILLS |
| Legal Subdivision | BALLARD HILLS |
| Legal Lot Number | 16 |
| Legal Unit | 16 |
| Jurisdiction | BERRIEN MI |
| Township / Civil Division | NILES |
| Census Block Group | 2 |
| Census Block | 2018 |
| Census Tract | 20600 |
645 Chippewa Trl is owned and occupied by two individuals who acquired it in August 2025.
Source: Berrien County records, as of September 28, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 645 CHIPPEWA TRL, NILES, MI 49120-3154 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants in Common |
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 | 2 Names on Deed |
|---|---|
| Last Sale | Apr 29, 1996 · Amount on File |
| Deed Sale | Apr 29, 1996 · Amount on File |
| Prior Sale | Feb 6, 1995 · Amount on File |
| Deed Book / Page | 1747 / 611 |
| Last Transfer Date | Aug 27, 2025 |
| Transfer Doc | 03458/4181 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | BERRIEN MI |
| Recording Date | Sep 2, 2025 |
| Property Address | 645 CHIPPEWA TRL, NILES, MI 49120-3154 |
| Document Number | 03458/4181 |
| Book / Page | 3458 / 4181 |
| Map Reference | MB 15 PG 20 |
| Instrument Date | Aug 27, 2025 |
| Instrument | 2025440772 |
| Transaction Type | Transfer |
| Record Updated | Sep 30, 2025 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 645 CHIPPEWA TRL, NILES, MI 49120-3154 |
The 2025 property tax bill for 645 Chippewa Trl was $3,123 with a homeowner's exemption, up 2% from the year before.
Source: Berrien County assessment roll, as of September 28, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Berrien County |
| Municipality | Niles City |
| Unified School District | Niles Community School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $111,200 (-1.24%) | $222,400 (-1.24%) | |
| 2025 | $3,123.00 (+1.96%) Homeowner's exemption | $112,600 | $225,200 |
| 2024 | $3,063.00 | ||
| 2023 | $92,400 | $184,800 | |
| 2022 | $2,649.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 645 Chippewa Trl in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 3 in force |
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 645 Chippewa Trl 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 | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 259 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
May also be available: AT&T, Midwest Energy & Communications.
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