Cass County property record for 966 Ruth Ln, Niles, MI 49120 · Last verified August 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,534 sqft · built 1965 |
| Lot Size | 0.26 acres (11,326 sqft) |
| Owner | 2 Company Names on File |
| Tax Bill | $660 (2025) |
| Deeds & Mortgages | Apr 2026 Line of Credit Feb 2026 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 14-020-410-015-00 |
| Primary APN | 14-020-410-015-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 1,534 sqft Building Perimeter |
| 1st Floor Area | 1,534 sqft |
| Basement Area | 1,240 sqft |
| Unfinished Basement | 1,240 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1965 |
|---|---|
| Effective Year Built | Effective 1965 |
| Lot Area | 11,326 sqft (0.26 acres) |
| Garage Area | 483 sqft |
| Street Address | 966 RUTH LN |
|---|---|
| City | NILES |
| State | MI |
| Zip | 49120-3949 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | . 1086D SEC 31 T7S R16W LOT 15 WAYNE SUBDIVISION. |
| Legal Subdivision | WAYNE SUB |
| Legal Lot Number | 15 |
| Jurisdiction | CASS MI |
| Township / Civil Division | HOWARD |
| Census Block Group | 3 |
| Census Block | 3038 |
| Census Tract | 1500 |
Source: Cass County records · APN 14-020-410-015-00
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 Company Names on File |
|---|---|
| Mailing Address | 966 RUTH LN, NILES, MI 49120-3949 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Life Estate |
| Date | Document |
|---|---|
| Apr 13, 2026 | Deed of Trust, Mortgage · Line of Credit 1ST SOURCE BANK |
| Feb 25, 2026 | Deed of Trust, Mortgage · Line of Credit 1ST SOURCE BANK |
| Apr 25, 2023 | Intrafamily Transfer, Transfer |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Transfer Date | Apr 21, 2023 |
| Transfer Doc | 01231/1718 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CASS MI |
| Recording Date | Apr 13, 2026 |
| Property Address | 966 RUTH LN, NILES, MI 49120-3949 |
| Document Number | 01274/2416 |
| Book / Page | 1274 / 2416 |
| Instrument Date | Apr 08, 2026 |
| Instrument | 202630877 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 966 RUTH LN, NILES, MI 49120-3949 |
| Document Number | 0000030877, |
|---|---|
| Date | Apr 13, 2026 |
| Book Page | 1274/2416 |
| Instrument | 202630877 |
| Name | 1ST SOURCE BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 205 Months |
| Due | May 06, 2043 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.11% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CASS MI |
| Property Address | 966 RUTH LN, NILES, MI 49120-3949 |
| Transaction Type | Mortgage |
| Record Updated | Mar 18, 2026 |
| Title Company | METRO ADVANTAGE TITLE AGENCY LLC, METRO ADVANTAGE TTL AGCY LLC |
| Name | Verified Name |
|---|
| Document Number | 01272/1566 |
|---|---|
| Date | Feb 25, 2026 |
| Book Page | 1272/1566 |
| Name | 1ST SOURCE BANK |
|---|---|
| Type | Bank |
| Address | NILES, MI 49120 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 205 Months |
| Due | Mar 15, 2043 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | CASS MI |
| Recording Date | Apr 25, 2023 |
| Property Address | 966 RUTH LN, NILES, MI 49120-3949 |
| Document Number | 01231/1718 |
| Book / Page | 1231 / 1718 |
| Map Reference | LB 1-G PG 312 |
| Instrument Date | Apr 21, 2023 |
| Transaction Type | Transfer |
| Record Updated | May 24, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 966 RUTH LN, NILES, MI 49120-3949 |
Source: Cass County records · Assessment roll updated August 28, 2025 · Last verified August 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Cass County |
| County Subdivision | Howard Township |
| Unified School District | Niles Community School District (PK - 12) |
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 | $97,500 (+4.61%) | $195,000 (+4.61%) | |
| 2025 | $660.00 (-59.21%) Homeowner's exemption | $93,200 (+6.03%) Land $93,200 | $186,400 (+6.03%) Land $186,400 |
| 2024 | $1,618.00 (+20.75%) | ||
| 2023 | $87,900 | $175,800 | |
| 2022 | $1,340.00 |
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
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| 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.
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