1006 State St, Saint Joseph, MI 49085 Property Records

Berrien County property record for 1006 State St, Saint Joseph, MI 49085

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,646 sqft · built 1910
Lot Size	0.17 acres (7,405 sqft)
Owner	Individual Name on File
Last Sale	$410,000 (Aug 2012)
Tax Bill	$7,205 (2025)
Deeds & Mortgages	Mar 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`76-3170-0063-01-2`

Property Details

APN / Parcel Number

Primary APN	`76-3170-0063-01-2`
Alternative APN	`11-76-3170-0063-01-2`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,646 sqft Living Area
1st Floor Area	1,630 sqft
Basement Area	990 sqft

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Lot Area	7,405 sqft (0.17 acres)
Lot Dimensions	132 ft deep x 56 ft wide
Garage Area	690 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Hot Water

Location & Zoning

Street Address	1006 STATE ST
City	SAINT JOSEPH
State	MI
Zip	49085-1466
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1 - E
Legal Description	THE NLY 56'OF LOT 2 BLK 51 B C HOYT'S SECOND ADD TO CITY OF ST JOSEPH ALSO PT OF LOT 1 SD SUB COM AT SWLY COR SD LOT 1 TH N57DEG57'22''W 60.65'TH S58DEG52'24''E 60.65'TH S31DEG30'W 0.97'TO POB EXC THAT PT OF LOT 2 COM 60.65'N57DESG57'22''W OF SELY CO
Legal Subdivision	HOYTS SECOND ADD
Legal Block	51
Legal Lot Number	1-2
Jurisdiction	BERRIEN MI
Township / Civil Division	ST. JOSEPH
Census Block Group	2
Census Block	2027
Census Tract	801

Owner

1006 State St is owned and occupied by an individual who bought it in August 2012.

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

Owner of Record	Individual Name on File
Mailing Address	1006 STATE ST, SAINT JOSEPH, MI 49085-1466
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 1, 2012 · Amount on File
Deed Sale	Aug 1, 2012 · Amount on File
Prior Sale	Oct 18, 2002 · Amount on File
Deed Book / Page	3002 / 2074
Prior Transfer Date	Jun 15, 2007
Prior Transfer Doc	02801/0703
Record Updated	Oct 29, 2026

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BERRIEN MI
Recording Date	Mar 22, 2021
Property Address	1006 STATE ST, SAINT JOSEPH, MI 49085-1466
Document Number	003319/435
Book / Page	3319 / 435
Map Reference	LB 1 PG 18
Instrument Date	Mar 12, 2021
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

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1006 STATE ST, SAINT JOSEPH, MI 49085-1466

Mortgage

Document Number	0003319437
Date	Mar 22, 2021
Instrument	3319/437

Lender

Name	MERCANTILE BANK OF MICHIGAN
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 1006 State St was $7,205 with a homeowner's exemption, up 2.4% from the year before.

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

Property Jurisdictions

Type	Name
State	Michigan
County	Berrien County
Municipality	St. Joseph City
Unified School District	St. Joseph Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$260,700 (+14.59%)	$521,400 (+14.59%)
2025	$7,205.00 (+2.45%) Homeowner's exemption	$227,500	$455,000
2024	$7,033.00
2023		$191,700	$383,400
2022	$6,436.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 1006 State St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 10, 2024

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 1006 State St 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	ST JOSEPH serves 7,930 people · EPA ID MI0006310
Water Source	Surface water
Last State Inspection	Jun 2025
Lead	4 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 702 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless · DSL · Fiber in parts of the area	100 / 20