1004 Willow Dr, Saint Joseph, MI 49085 Property Records

Berrien County property record for 1004 Willow Dr, Saint Joseph, MI 49085

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,232 sqft · built 1958
Lot Size	0.23 acres (10,019 sqft)
Owner	Individual Name on File
Last Sale	$129,500 (Aug 2003)
Tax Bill	$2,685 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Feb 2023 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`18-4610-0043-00-4`

Property Details

APN / Parcel Number

Primary APN	`18-4610-0043-00-4`
Alternative APN	`11-18-4610-0043-00-4`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Building Area	1,232 sqft Living Area
1st Floor Area	1,232 sqft
Basement Area	1,232 sqft
Unfinished Basement	1,232 sqft

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1958
Architectural Style	Raised Ranch
Lot Area	10,019 sqft (0.23 acres)
Lot Dimensions	125 ft deep x 80 ft wide
Garage Area	384 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1004 WILLOW DR
City	SAINT JOSEPH
State	MI
Zip	49085-3241
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2 - SINGL
Legal Description	LOT 43 LINCOLN VILLAGE NO 1
Legal Subdivision	LINCOLN VILLAGE ADDITION #1
Legal Lot Number	43
Legal Unit	43
Jurisdiction	BERRIEN MI
Township / Civil Division	ST. JOSEPH
Census Block Group	1
Census Block	1013
Census Tract	1100

Owner

1004 Willow Dr is owned and occupied by an individual who bought it in August 2003.

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

Owner of Record	Individual Name on File
Mailing Address	1004 WILLOW DR, SAINT JOSEPH, MI 49085-3241
Occupancy	Owner Occupied
Owner Type	Individual

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
Jun 10, 2021	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LOANS LLC
Feb 13, 2023	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC
Jul 7, 2023	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 15, 2003 · Amount on File
Deed Sale	Aug 15, 2003 · Amount on File
Deed Book / Page	2416 / 2697
Record Updated	Oct 29, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	1004 WILLOW DR, SAINT JOSEPH, MI 49085-3241
Transaction Type	Mortgage
Record Updated	Nov 9, 2023
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	003331/454
Date	Jun 10, 2021
Book Page	3331/454

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	282 Months
Due	Dec 1, 2044

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	1004 WILLOW DR, SAINT JOSEPH, MI 49085-3241
Transaction Type	Mortgage
Record Updated	Nov 9, 2023
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1004 WILLOW DR, SAINT JOSEPH, MI 49085-3241

Mortgage

Document Number	003398/950
Date	Feb 13, 2023
Book Page	3398/950
Instrument	2023372740

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	262 Months
Due	Dec 1, 2044

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	1004 WILLOW DR, SAINT JOSEPH, MI 49085-3241
Transaction Type	Mortgage
Record Updated	Nov 9, 2023
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1004 WILLOW DR, SAINT JOSEPH, MI 49085-3241

Mortgage

Document Number	03407/1899
Date	Jul 7, 2023
Book Page	3407/1899
Instrument	2023384161

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	257 Months
Due	Dec 1, 2044

Tax Assessment & Valuation

The 2025 property tax bill for 1004 Willow Dr was $2,685 with a homeowner's exemption.

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

Property Jurisdictions

Type	Name
State	Michigan
County	Berrien County
County Subdivision	St. Joseph Charter Township
Unified School District	St. Joseph Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$114,200	$228,400
2025	$2,685.00
2023		$106,800	$213,600
2022	$2,077.00

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

Flood

FEMA maps place 1004 Willow Dr in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 2009.

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
Nearby Flood Policies	8 in force
Nearby Flood Claims	5 (2009–2020)
Claims Outside the SFHA	4 of 5
Most Recent Claim	May 2020 · river or lake flooding

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

The area around 1004 Willow Dr has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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	SOUTHWEST MICHIGAN REGIONAL SANITARY SEW serves 26,780 people · EPA ID MI0003726
Water Source	Purchased surface water from ST JOSEPH
Last State Inspection	Feb 2025
Lead	1 ppb (2023–2025) 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 209 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: Mercury Fiber.

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