921 Oak St, Niles, MI 49120 Property Records

Berrien County property record for 921 Oak St, Niles, MI 49120

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,121 sqft · built 1905
Lot Size	0.256 acres (11,151 sqft)
Owner	Individual Name on File
Tax Bill	$2,069 (2025)
Deeds & Mortgages	Dec 2025 Line of Credit Apr 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`73-0840-0155-01-7`

Property Details

APN / Parcel Number

Primary APN	`73-0840-0155-01-7`
Alternative APN	`11-73-0840-0155-01-7`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	2,121 sqft Living Area
1st Floor Area	1,126 sqft
Basement Area	995 sqft
Unfinished Basement	995 sqft

Exterior

Year Built	Built 1905
Effective Year Built	Effective 1905
Lot Area	11,151 sqft (0.256 acres)
Lot Dimensions	93 ft deep x 115 ft wide
Garage Area	192 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	921 OAK ST
City	NILES
State	MI
Zip	49120-2733
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	LDR
Legal Description	THE E1/2 OF LOT 155 EXC THE N 11'THEREOF ALSO THE E1/2 OF LOTS 156 & 157 JACOB BEESON'S ADD TO NILES
Legal Subdivision	JACOB BEESONS ADD
Legal Lot Number	155-157
Jurisdiction	BERRIEN MI
Township / Civil Division	NILES
Census Block Group	1
Census Block	1001
Census Tract	20700

Owner

921 Oak St is owned and occupied by an individual who acquired it in May 2004.

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

Owner of Record	Individual Name on File
Mailing Address	921 OAK ST, NILES, MI 49120-2733
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
Dec 23, 2025	Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK
Apr 27, 2018	Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT
Aug 23, 2022	Intrafamily Transfer, Transfer · Conventional Mortgage THE HUNTINGTON NATIONAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 25, 1999
Deed Sale	Jun 25, 1999
Prior Sale	Jun 22, 1999 · Amount on File
Deed Book / Page	1983 / 772
Last Transfer Date	May 5, 2004
Transfer Doc	2534001914
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	921 OAK ST, NILES, MI 49120-2733
Transaction Type	Mortgage
Record Updated	Feb 17, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	921 OAK ST, NILES, MI 49120-2733

Mortgage

Document Number	003467/690
Date	Dec 23, 2025
Book Page	3467/690
Instrument	2025448690

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Dec 13, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	921 OAK ST, NILES, MI 49120-2733
Transaction Type	Mortgage
Record Updated	Nov 9, 2023
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	03203/3157
Date	Apr 27, 2018
Book Page	3203/3157

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	328 Months
Due	Aug 1, 2045

August 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BERRIEN MI
Recording Date	Aug 23, 2022
Property Address	921 OAK ST, NILES, MI 49120-2733
Document Number	03383/3021
Book / Page	3383 / 3021
Map Reference	MB E PG 468
Instrument Date	Jul 28, 2022
Instrument	2022360840
Transaction Type	Transfer
Record Updated	Nov 9, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	921 OAK ST, NILES, MI 49120-2733

Mortgage

Document Number	0033833023
Date	Aug 23, 2022
Instrument	3383-3023

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 921 Oak St was $2,069 with a homeowner's exemption.

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		$109,400	$218,800
2025	$2,069.00
2023		$76,000	$152,000
2022	$1,849.00

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

Flood

FEMA maps place 921 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 921 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 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 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.

Nearby Properties on Oak St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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