949 Ruth Ln, Niles, MI 49120 Property Records

Cass County property record for 949 Ruth Ln, Niles, MI 49120 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,232 sqft · built 1970
Lot Size	0.27 acres (11,761 sqft)
Owner	2 Individual Names on File
Last Sale	$142,000 (Jun 2017)
Tax Bill	$575 (2025)
Deeds & Mortgages	Jul 2018 Line of Credit Jun 2017 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`14-020-410-043-00`

Property Details

APN / Parcel Number

Primary APN	`14-020-410-043-00`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Building Area	1,232 sqft Building Perimeter
1st Floor Area	1,232 sqft
Basement Area	1,232 sqft
Unfinished Basement	1,232 sqft

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Architectural Style	Ranch
Lot Area	11,761 sqft (0.27 acres)
Garage Area	672 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	949 RUTH LN
City	NILES
State	MI
Zip	49120-3948
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	. 1098E SEC 31 T7S R16W S 35 FT LOT 43 & N 60 FT LOT 44 WAYNE SUBDIVISION.
Legal Subdivision	WAYNE SUBDIVISION
Legal Lot Number	43,44
Jurisdiction	CASS MI
Township / Civil Division	HOWARD
Census Block Group	3
Census Block	3035
Census Tract	1500

Owner

Source: Cass County records · APN 14-020-410-043-00

Assessment roll updated August 28, 2025 · Last verified August 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	949 RUTH LN, NILES, MI 49120-3948
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 24, 2018	Deed of Trust, Mortgage · Line of Credit NOTRE DAME FCU
Jun 20, 2017	Deed of Trust, Mortgage · ARM NOTRE DAME FCU
Oct 07, 2020	Deed of Trust, Mortgage · Conventional Mortgage NOTRE DAME FCU
Jun 21, 2017	Warranty Deed, Transfer FIRST AMERICAN TITLE

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 21, 2017 · Amount on Record
Deed Sale	Jun 21, 2017 · Amount on Record
Prior Sale	Sep 28, 2006 · Amount on Record
Deed Book / Page	1124 / 1978
Prior Transfer Date	Aug 12, 2004
Prior Transfer Doc	00941/2378
Record Updated	Sep 20, 2026

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CASS MI
Property Address	949 RUTH LN, NILES, MI 49120-3948
Transaction Type	Mortgage
Record Updated	Oct 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01142/1570
Date	Jul 24, 2018
Book Page	1142/1570

Lender

Name	NOTRE DAME FCU
Type	Credit Union
Address	NOTRE DAME, IN 46556

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	265 Months
Due	Aug 15, 2040

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CASS MI
Property Address	949 RUTH LN, NILES, MI 49120-3948
Transaction Type	Mortgage
Record Updated	Oct 25, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01124/1890
Date	Jun 20, 2017
Book Page	1124/1890

Lender

Name	NOTRE DAME FCU
Type	Credit Union
Address	NOTRE DAME, IN 46556

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Jul 01, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.5%
Adjustable	Adjustable Rate Rider
Type Change Date	Jul 01, 2024
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	5.5%
Index	1-Year CMT
Max Rate	8.5%

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CASS MI
Property Address	949 RUTH LN, NILES, MI 49120-3948
Transaction Type	Mortgage
Record Updated	Oct 25, 2022
Title Company	FIDELITY NATIONAL TTL CO LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01181/2214
Date	Oct 07, 2020
Book Page	1181/2214

Lender

Name	NOTRE DAME FCU
Type	Credit Union
Address	46566

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 01, 2050

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CASS MI
Recording Date	Jun 21, 2017
Property Address	949 RUTH LN, NILES, MI 49120-3948
Document Number	01124/1978
Book / Page	1124 / 1978
Map Reference	LB1-G PG312
Instrument Date	Jun 17, 2017
Transaction Type	Transfer
Record Updated	Oct 25, 2022
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Tax	$1,221.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	949 RUTH LAYNE, NILES, MI 49120-3948

Tax Assessment & Valuation

Source: Cass County records · Assessment roll updated August 28, 2025 · Last verified August 2026

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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$86,300 (+3.48%)	$172,600 (+3.48%)
2025	$575.00 (-59.45%) Homeowner's exemption	$83,400 (+5.84%) Land $83,400	$166,800 (+5.84%) Land $166,800
2024	$1,418.00 (+20.68%)
2023		$78,800	$157,600
2022	$1,175.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Cass County (26027C), updated September 5, 2007 · 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	Low above 5% of the US · above 12% of Michigan
Wildfire Likelihood	Less than 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

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 416 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
AT&T	Fiber	5,000 / 5,000
Xfinity	Cable	2,000 / 250
Verizon	Fixed Wireless	300 / 20

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

Mobile Coverage

5G and 4G LTE

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