751 Oak St, Niles, MI 49120 Property Records

Berrien County property record for 751 Oak St, Niles, MI 49120

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 2,118 sqft · built 1958
Lot Size	0.221 acres (9,627 sqft)
Owner	Individual Name on File
Last Sale	$105,000 (Oct 2007)
Tax Bill	$2,883 (2025)
Deeds & Mortgages	Apr 2018 Line of Credit Feb 2021 Second Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`73-3960-0023-00-2`

Property Details

APN / Parcel Number

Primary APN	`73-3960-0023-00-2`
Alternative APN	`11-73-3960-0023-00-2`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Building Area	2,118 sqft Living Area
1st Floor Area	1,356 sqft
Basement Area	672 sqft
Unfinished Basement	672 sqft

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1958
Lot Area	9,627 sqft (0.221 acres)
Lot Dimensions	169 ft deep x 57 ft wide
Garage Area	5,836 sqft
Parking Spaces	19 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	751 OAK ST
City	NILES
State	MI
Zip	49120-2731
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	LDR
Legal Description	LOT 23 SUPERS REPLAT OF LOTS 62 & 63 W JUSTICES ADD CITY OF NILES
Legal Subdivision	W JUSTICES ADD
Legal Lot Number	23-63
Legal Unit	23,6
Jurisdiction	BERRIEN MI
Township / Civil Division	NILES
Census Block Group	1
Census Block	1002
Census Tract	20700

Owner

751 Oak St is owned and occupied by an individual who acquired it in June 2010.

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

Owner of Record	Individual Name on File
Mailing Address	751 OAK ST, NILES, MI 49120-2731
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.

Deeds, Mortgages & Sale History

Date	Document
Apr 2, 2018	Deed of Trust, Mortgage · Line of Credit HONOR CU
Feb 5, 2021	Deed of Trust, Mortgage · Stand-Alone Second Mortgage HONOR CU
Jun 2, 2023	Deed of Trust, Mortgage · FHA Mortgage CENLAR FSB

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 5, 2007 · Amount on File
Deed Sale	Oct 5, 2007 · Amount on File
Deed Book / Page	2813 / 1096
Last Transfer Date	Jun 10, 2010
Transfer Doc	02923/2321
Record Updated	Oct 29, 2026

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	751 OAK ST, NILES, MI 49120-2731
Transaction Type	Mortgage
Record Updated	Nov 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	03201/2895
Date	Apr 2, 2018
Book Page	3201/2895

Lender

Name	HONOR CU
Type	Credit Union
Address	BERRIEN SPRINGS, MI 49103

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	239 Months
Due	Mar 28, 2038

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	751 OAK ST, NILES, MI 49120-2731
Transaction Type	Mortgage
Record Updated	Nov 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	03312/1782
Date	Feb 5, 2021
Book Page	3312/1782

Lender

Name	HONOR CU
Type	Credit Union
Address	BERRIEN SPRINGS, MI 49103

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	203 Months
Due	Jan 25, 2038

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	751 OAK ST, NILES, MI 49120-2731
Transaction Type	Mortgage
Record Updated	Nov 9, 2023
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	751 OAK ST, NILES, MI 49120-2731

Mortgage

Document Number	003405/565
Date	Jun 2, 2023
Book Page	3405/565
Instrument	2023381769

Lender

Name	CENLAR FSB
Type	Bank
Address	TRENTON, NJ 08618

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	340 Months
Due	Oct 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 751 Oak St was $2,883 with a homeowner's exemption, up 2.4% from the year before.

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		$171,800 (+2.57%)	$343,600 (+2.57%)
2025	$2,883.00 (+2.42%) Homeowner's exemption	$167,500	$335,000
2024	$2,815.00
2023		$132,400	$264,800
2022	$2,579.00

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

Flood

FEMA maps place 751 Oak St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 10, 2024

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

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

Wildfire

Wildfire risk around 751 Oak 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 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 TOWNSHIP serves 2,270 people · EPA ID MI0004750
Water Source	Groundwater
Last State Inspection	Jun 2025
Lead	2 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	30 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 515 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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