950 S 3rd St, Niles, MI 49120 Property Records

Berrien County property record for 950 S 3rd St, Niles, MI 49120

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,851 sqft
Lot Size	10.4 acres (454,766 sqft)
Owner	2 Individual Names on File
Last Sale	$619,000 (Jul 2026)
Tax Bill	$3,746 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Sep 2025 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`73-0035-0018-03-9`

Property Details

APN / Parcel Number

Primary APN	`73-0035-0018-03-9`
Alternative APN	`11-73-0035-0018-03-9`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Building Area	1,851 sqft Living Area
1st Floor Area	1,116 sqft
Basement Area	980 sqft
Unfinished Basement	980 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Lot Area	454,766 sqft (10.4 acres)
Lot Dimensions	528 ft deep x 864 ft wide
Garage Area	192 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	950 S 3RD ST
City	NILES
State	MI
Zip	49120-3415
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	LDR
Legal Description	PT OF THE NW1/4 OF THE SE1/4 OF SEC 35 T7S R17W COM ON N & S1/4 LN SEC 35 S0DEG16'E 484' FROM CEN SD SEC 35 TH N89DEG51'E 608.1'TO W LN OF 3RD ST AS RECORDED IN SUPERVRS PLAT NO 6 CITY OF NILES TH S05DEG35'W ALONG SD W LN OF 3RD ST 629.5' TH S23DEG54
Legal Range	17W
Legal Township	07S
Legal Section	35
Legal Subdivision	SUPRVRS 6 CITY OF NILES
Jurisdiction	BERRIEN MI
Township / Civil Division	NILES
Census Block Group	2
Census Block	2005
Census Tract	20700

Owner

950 S 3rd St is owned and occupied by two individuals who bought it in July 2026.

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

Owner of Record	2 Individual Names on File
Mailing Address	950 S 3RD ST, NILES, MI 49120-3415
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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
Jul 21, 2026	Warranty Deed, Transfer · Conventional Mortgage UNITED FEDERAL CREDIT UNION
Sep 12, 2025	Quit Claim Deed, Transfer Quitclaim
Dec 8, 2017	Deed of Trust, Mortgage · Conventional Mortgage HEARTLAND HOME MORTGAGE
Mar 30, 2020	Deed of Trust, Mortgage · Conventional Mortgage HEARTLAND HOME MORTGAGE
Sep 27, 2021	Deed of Trust, Mortgage · Conventional Mortgage HEARTLAND HOME MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 21, 2026 · Amount on File
Deed Sale	Jul 21, 2026 · Amount on File
Prior Sale	Jan 7, 2000 · Amount on File
Deed Document Number	2026466178
Deed Book / Page	3482 / 4007
Prior Transfer Date	Aug 22, 2025
Prior Transfer Doc	03459/3393
Record Updated	Oct 29, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BERRIEN MI
Recording Date	Jul 21, 2026
Property Address	950 S 3RD ST, NILES, MI 49120-3415
Document Number	0000466178
Book / Page	3482 / 4007
Instrument Date	Jul 1, 2026
Instrument	2026466178
Transaction Type	Transfer
Record Updated	Sep 21, 2026
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$468,892.50
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	950 S 3RD ST, NILES, MI 49120-3415

Mortgage

Document Number	0000466179,
Date	Jul 21, 2026
Instrument	2026466179

Lender

Name	UNITED FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.37%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

September 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BERRIEN MI
Recording Date	Sep 12, 2025
Property Address	950 S 3RD ST, NILES, MI 49120-3415
Document Number	03459/3393
Book / Page	3459 / 3393
Instrument Date	Aug 22, 2025
Instrument	2025441512
Transaction Type	Transfer
Record Updated	Oct 6, 2025

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	950 S 3RD ST, NILES, MI 49120-3415

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	950 S 3RD ST, NILES, MI 49120-3415
Transaction Type	Mortgage
Record Updated	Nov 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	03191/2778
Date	Dec 8, 2017
Book Page	3191/2778
Instrument	3191-2778

Lender

Name	HEARTLAND HOME MORTGAGE
Type	Mortgage Company
Address	NILES, MI 49120

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jan 1, 2033

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	950 S 3RD ST, NILES, MI 49120-3415
Transaction Type	Mortgage
Record Updated	Nov 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	03269/3278
Date	Mar 30, 2020
Book Page	3269/3278

Lender

Name	HEARTLAND HOME MORTGAGE
Type	Mortgage Company
Address	GRAND RAPIDS, MI 49508

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2050

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	950 S 3RD ST, NILES, MI 49120-3415
Transaction Type	Mortgage
Record Updated	Nov 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	950 S 3RD ST, NILES, MI 49120-3415

Mortgage

Document Number	003346/468
Date	Sep 27, 2021
Book Page	3346/468

Lender

Name	HEARTLAND HOME MORTGAGE
Type	Mortgage Company
Address	GRAND RAPIDS, MI 49508

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 950 S 3rd St was $3,746 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		$129,200 (+4.28%)	$258,400 (+4.28%)
2025	$3,746.00 (+2.43%) Homeowner's exemption	$123,900	$247,800
2024	$3,657.00
2023		$109,300	$218,600
2022	$3,352.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 950 S 3rd 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 950 S 3rd 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	Direct burnable vegetation

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
AT&T Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Midwest Energy & Communications.

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