9932 Cottage Ln, Union Pier, MI 49129 Property Records

Berrien County property record for 9932 Cottage Ln, Union Pier, MI 49129

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 2,883 sqft · built 2006
Lot Size	0.19 acres (8,276 sqft)
Owner	2 Trust Names on File
Tax Bill	$19,044 (2025)
Deeds & Mortgages	Jul 2021 Mortgage Jun 2022 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`13-4600-0008-00-4`

Property Details

APN / Parcel Number

Primary APN	`13-4600-0008-00-4`
Alternative APN	`11-13-4600-0008-00-4`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	2,883 sqft Living Area
1st Floor Area	1,598 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Exterior Material	Wood Siding
Lot Area	8,276 sqft (0.19 acres)
Lot Dimensions	106 ft deep x 76 ft wide
Garage Area	312 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	9932 COTTAGE LN
City	UNION PIER
State	MI
Zip	49129-9466
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SELECTZONI
Legal Description	UNIT 8 LAKESHORE COTTAGES LIBER 173 PAGE 1
Legal Subdivision	LAKESHORE COTTAGES
Legal Unit	8
Jurisdiction	BERRIEN MI
Township / Civil Division	NEW BUFFALO
Census Block Group	2
Census Block	2007
Census Tract	11301

Owner

9932 Cottage Ln is held in a trust since September 2006.

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

Owner of Record	2 Trust Names on File
Mailing Address	1884 OLD WILLOW RD, 2B, NORTHFIELD, IL 60093-2956
Owner Type	Company
Vesting	Trust, Revocable Trust

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 27, 2021	Deed of Trust, Mortgage · Conventional Mortgage VISIO FINANCIAL SERVICES INC
Jun 8, 2022	Warranty Deed, Transfer ACCOMODATION, ACCOMMODATION
Mar 18, 2019	Warranty Deed, Transfer · ARM THE HUNTINGTON NATIONAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 22, 2006
Deed Sale	Sep 22, 2006
Deed Book / Page	2745 / 824
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	9932 COTTAGE LN, UNION PIER, MI 49129-9466
Transaction Type	Mortgage
Record Updated	Nov 9, 2023
Title Company	BOSTON NATIONAL TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	03337/1607
Date	Jul 27, 2021
Book Page	3337/1607

Lender

Name	VISIO FINANCIAL SERVICES INC
Type	Funding / Finance Company
Address	AUSTIN, TX 78758

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2051

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BERRIEN MI
Recording Date	Jun 8, 2022
Property Address	9932 COTTAGE LN, UNION PIER, MI 49129-9466
Document Number	03376/2158
Book / Page	3376 / 2158
Map Reference	LB 173 PG 1
Instrument Date	May 24, 2022
Instrument	2022354832
Transaction Type	Transfer
Record Updated	Nov 9, 2023
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	551 HAMILTON AVE, WESTMONT, IL 60559-1274

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	9932 COTTAGE LN, UNION PIER, MI 49129-9466

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BERRIEN MI
Recording Date	Mar 18, 2019
Property Address	9932 COTTAGE LN, UNION PIER, MI 49129-9466
Document Number	03232/1318
Book / Page	3232 / 1318
Map Reference	LB 173 PG 1
Instrument Date	Mar 15, 2019
Transaction Type	Transfer
Record Updated	Nov 9, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	551 HAMILTON AVE, WESTMONT, IL 60559-1274

Mortgage

Document Number	0032321321
Date	Mar 18, 2019
Instrument	3232/1321

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	4.8%
Type Change Date	Apr 1, 2034
Change Frequency	Annually
Min Rate At Change	2.5%
Max Rate At Change	9.8%
Index	1-Year LIBOR
Max Rate	9.8%

Tax Assessment & Valuation

The 2025 property tax bill for 9932 Cottage Ln was $19,044.

Source: Berrien County assessment roll, as of September 28, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Berrien County
County Subdivision	New Buffalo Township
Unified School District	New Buffalo Area School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$624,000	$1,248,000
2025	$19,044.00
2023		$458,200	$916,400
2022	$8,592.00

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

Flood

FEMA maps place 9932 Cottage Ln in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 10, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 10 policies
Nearby Flood Policies	10 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 9932 Cottage Ln 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	None beyond ember reach

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	CHIKAMING TOWNSHIP serves 2,825 people · EPA ID MI0001400
Water Source	Purchased surface water from LAKE CHARTER TOWNSHIP
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	None last 10 years
Monitoring and Reporting	1 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 131 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Starlink Satellite	280 / 30

May also be available: AT&T.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Cottage Ln

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