Cass County property record for 986 Ruth Ln, Niles, MI 49120 · Last verified August 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,840 sqft · built 1967 |
| Lot Size | 0.28 acres (12,197 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $835 (2025) |
| Deeds & Mortgages | Jul 2018 Second Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 14-020-410-023-00 |
| Primary APN | 14-020-410-023-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 1,840 sqft Building Perimeter |
| 1st Floor Area | 1,840 sqft |
| Basement Area | 1,680 sqft |
| Unfinished Basement | 1,680 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1967 |
|---|---|
| Effective Year Built | Effective 1967 |
| Architectural Style | Ranch |
| Lot Area | 12,197 sqft (0.28 acres) |
| Garage Area | 529 sqft |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 986 RUTH LN |
|---|---|
| City | NILES |
| State | MI |
| Zip | 49120-3970 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | . 1091A SEC 31 T7S R16W LOT 23 WAYNE SUBDIVISION. |
| Legal Subdivision | WAYNE SUB |
| Legal Lot Number | 23 |
| Jurisdiction | CASS MI |
| Township / Civil Division | HOWARD |
| Census Block Group | 3 |
| Census Block | 3038 |
| Census Tract | 1500 |
Source: Cass County records · APN 14-020-410-023-00
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 | 986 RUTH LN, NILES, MI 49120-3970 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CASS MI |
| Property Address | 986 RUTH LN, NILES, MI 49120-3970 |
| Transaction Type | Mortgage |
| Record Updated | Oct 25, 2022 |
| Name | Verified Name |
|---|
| Document Number | 01142/0071 |
|---|---|
| Date | Jul 11, 2018 |
| Book Page | 1142/0071 |
| Name | HONOR CU |
|---|---|
| Type | Credit Union |
| Address | BERRIEN SPRINGS, MI 49103 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 179 Months |
| Due | Jun 29, 2033 |
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 | $122,300 (+4.62%) | $244,600 (+4.62%) | |
| 2025 | $835.00 (-51.65%) Homeowner's exemption | $116,900 (+9.35%) Land $116,900 | $233,800 (+9.35%) Land $233,800 |
| 2023 | $106,900 | $213,800 | |
| 2022 | $1,727.00 |
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 |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | 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.
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.
5G and 4G LTE
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