9986 Cottage Ln, Union Pier, MI 49129 Property Records

Berrien County property record for 9986 Cottage Ln, Union Pier, MI 49129

Property Summary

Property Type	Single Family Home
Details	1 bd · 2 ba · 2,143 sqft · built 2005
Lot Size	0.17 acres (7,405 sqft)
Owner	Company Name on Record
Tax Bill	$16,606 (2025)
Deeds & Mortgages	Apr 2017 Mortgage Oct 2019 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`13-4600-0023-00-3`

Property Details

APN / Parcel Number

Primary APN	`13-4600-0023-00-3`
Alternative APN	`11-13-4600-0023-00-3`

Interior

Bedrooms	1 Bed
Full Baths	2 Baths
Building Area	2,143 sqft Living Area
1st Floor Area	1,204 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Lot Area	7,405 sqft (0.17 acres)
Lot Dimensions	110 ft deep x 66 ft wide
Garage Area	299 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	9986 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 23 LAKESHORE COTTAGES LIBER 173 PAGE 1 FIRST AMENDMENT LIBER 173 PAGE 40
Legal Subdivision	LAKESHORE COTTAGES
Legal Unit	23
Jurisdiction	BERRIEN MI
Township / Civil Division	NEW BUFFALO
Census Block Group	2
Census Block	2007
Census Tract	11301

Owner

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

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

Owner of Record	Company Name on Record
Mailing Address	525 MEADOW LN, LIBERTYVILLE, IL 60048-2930
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Apr 17, 2017	Deed of Trust, Mortgage · ARM LOANDEPOT.COM LLC
Oct 1, 2019	Deed of Trust, Mortgage · Conventional Mortgage INDEPENDENT BANK
Sep 9, 2019	Deed, Transfer · ARM INDEPENDENT BANK
Oct 15, 2018	Intrafamily Transfer, Transfer
Oct 15, 2018	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 24, 2005
Deed Sale	Oct 24, 2005
Deed Book / Page	2658 / 965
Last Transfer Date	Jun 15, 2018
Transfer Doc	03219/2735
Record Updated	Oct 29, 2026

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	9986 COTTAGE LN, UNION PIER, MI 49129-9466
Transaction Type	Mortgage
Record Updated	Nov 9, 2023
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	03169/1205
Date	Apr 17, 2017
Book Page	3169/1205

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	ARM
Amount	Amount Recorded
Term	355 Months
Due	Nov 1, 2046

Interest

Rate Type	Adjustable Rate
Rate	3%
Type Change Date	Nov 1, 2023
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	8%
Index	1-Year LIBOR
Max Rate	8%

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	9986 COTTAGE LN, UNION PIER, MI 49129-9466
Transaction Type	Mortgage
Record Updated	Nov 9, 2023
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	03251/2050
Date	Oct 1, 2019
Book Page	3251/2050

Lender

Name	INDEPENDENT BANK
Type	Bank
Address	GRAND RAPIDS, MI 49525

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Sep 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.25%
Adjustable	Adjustable Rate Rider
Type Change Date	Sep 1, 2024
Change Frequency	Annually
Min Rate At Change	3.87%
Max Rate At Change	5.25%
Index	1-Year LIBOR
Max Rate	8.25%

September 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	BERRIEN MI
Recording Date	Sep 9, 2019
Property Address	9986 COTTAGE LN, UNION PIER, MI 49129-9466
Document Number	03248/3412
Book / Page	3248 / 3412
Map Reference	LB 173 PG 1
Instrument Date	Aug 27, 2019
Transaction Type	Transfer
Record Updated	Nov 9, 2023
Title Company	NOT AVAILABLE, FAT

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1221 GREENWOOD AVE, WILMETTE, IL 60091-1621

Mortgage

Document Number	0032482784
Date	Sep 9, 2019
Instrument	3248/2784

Lender

Name	INDEPENDENT BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.25%
Adjustable	Adjustable Rate Rider
Type Change Date	Sep 1, 2024
Change Frequency	Annually
Min Rate At Change	3.87%
Max Rate At Change	5.25%
Index	1-Year LIBOR
Max Rate	8.25%

October 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BERRIEN MI
Recording Date	Oct 15, 2018
Property Address	9986 COTTAGE LN, UNION PIER, MI 49129-9466
Document Number	03219/2735
Book / Page	3219 / 2735
Instrument Date	Jun 15, 2018
Transaction Type	Transfer
Record Updated	Nov 9, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	187 S KENMORE AVE, ELMHURST, IL 60126-3517

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	187 S KENMORE AVE, ELMHURST, IL 60126-3517

October 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BERRIEN MI
Recording Date	Oct 15, 2018
Property Address	9986 COTTAGE LN, UNION PIER, MI 49129-9466
Document Number	03219/2733
Book / Page	3219 / 2733
Instrument Date	Jun 15, 2018
Transaction Type	Transfer
Record Updated	Nov 9, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	187 S KENMORE AVE, ELMHURST, IL 60126-3517

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	187 S KENMORE AVE, ELMHURST, IL 60126-3517

Tax Assessment & Valuation

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		$442,500 (+2.31%)	$885,000 (+2.31%)
2025	$16,606.00 (+63.73%)	$432,500 (+35.33%)	$865,000 (+35.33%)
2024	$10,142.00 (+10.04%)
2023		$319,600	$639,200
2022	$9,217.00

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

Flood

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 Record 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

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	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

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