946 Ruth Ln, Niles, MI 49120 Property Records

Cass County property record for 946 Ruth Ln, Niles, MI 49120

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,144 sqft · built 1969
Lot Size	0.23 acres (10,019 sqft)
Owner	Individual Name on File
Last Sale	$165,000 (Mar 2024)
Tax Bill	$789 (2025)
Deeds & Mortgages	Mar 2024 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`14-020-410-010-00`

Property Details

APN / Parcel Number

Primary APN	`14-020-410-010-00`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Building Area	1,144 sqft Building Perimeter
1st Floor Area	1,144 sqft
Basement Area	1,144 sqft
Unfinished Basement	1,144 sqft

Exterior

Year Built	Built 1969
Effective Year Built	Effective 1969
Lot Area	10,019 sqft (0.23 acres)
Garage Area	312 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	946 RUTH LN
City	NILES
State	MI
Zip	49120-3949
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	. 1086A-4 SEC 31 T7S R16W LOT 10 WAYNE SUBDIVISION.
Legal Subdivision	WAYNE SUBDIVISION
Legal Lot Number	10
Jurisdiction	CASS MI
Township / Civil Division	HOWARD
Census Block Group	3
Census Block	3038
Census Tract	1500

Owner

Source: Cass County assessment roll, as of August 28, 2025

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	946 RUTH LN, NILES, MI 49120-3949
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Man

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Mar 15, 2024 · Amount on Record
Deed Sale	Mar 15, 2024 · Amount on Record
Prior Sale	Apr 21, 2009 · Amount on Record
Deed Document Number	2024210206
Deed Book / Page	1243 / 911
Prior Transfer Date	Mar 18, 2009
Prior Transfer Doc	0991/1771
Record Updated	Sep 20, 2026

March 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CASS MI
Recording Date	Mar 15, 2024
Property Address	946 RUTH LN, NILES, MI 49120-3949
Document Number	001243/911
Book / Page	1243 / 911
Map Reference	LB 1-G PG 312
Instrument Date	Mar 8, 2024
Transaction Type	Transfer
Record Updated	Apr 1, 2024
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,237.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	946 RUTH LN, NILES, MI 49120-3949

Mortgage

Document Number	0012430914
Date	Mar 15, 2024
Instrument	1243-0914

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2054

Tax Assessment & Valuation

Source: Cass County assessment roll, as of August 28, 2025

Property Jurisdictions

Type	Name
State	Michigan
County	Cass County
County Subdivision	Howard Township
Unified School District	Niles Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$77,200 (+3.9%)	$154,400 (+3.9%)
2025	$789.00 (-37.97%) Homeowner's exemption	$74,300 (+5.69%) Land $74,300	$148,600 (+5.69%) Land $148,600
2024	$1,272.00 (+20.8%)
2023		$70,300	$140,600
2022	$1,053.00

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.

Flood

Source: FEMA National Flood Hazard Layer, effective September 5, 2007

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 87% of Michigan
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation at the parcel

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 416 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: Mercury Broadband.

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