101 Lighthouse Dunes Path, Saint Joseph, MI 49085 Property Records

Berrien County property record for 101 Lighthouse Dunes Path, Saint Joseph, MI 49085 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 4.5 ba · 4,655 sqft · built 2004
Lot Size	0.484 acres (21,083 sqft)
Owner	Individual Name on File
Last Sale	$1,620,000 (Aug 2020)
Tax Bill	$40,887 (2025)
Deeds & Mortgages	Jun 2026 Construction Loan Sep 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`76-4690-0001-00-1`

Property Details

APN / Parcel Number

Primary APN	`76-4690-0001-00-1`
Alternative APN	`11-76-4690-0001-00-1`

Interior

Bedrooms	3 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	4,655 sqft Living Area
1st Floor Area	3,177 sqft
Basement Area	3,177 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Lot Area	21,083 sqft (0.484 acres)
Lot Dimensions	185 ft deep x 114 ft wide
Garage Area	968 sqft
Parking Spaces	4 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	101 LIGHTHOUSE DUNES PATH
City	SAINT JOSEPH
State	MI
Zip	49085-2194
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	UNIT 1 LIGHTHOUSE DUNES LIBER 157 PAGE 1
Legal Subdivision	LIGHTHOUSE DUNES
Legal Unit	1
Jurisdiction	BERRIEN MI
Township / Civil Division	ST. JOSEPH
Census Block Group	1
Census Block	1014
Census Tract	801

Owner

Source: Berrien County records · APN 76-4690-0001-00-1

Assessment roll updated June 5, 2026 · Last verified July 2026

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

Owner of Record	Individual Name on File
Mailing Address	101 LIGHTHOUSE DUNES PATH, SAINT JOSEPH, MI 49085-2194
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 22, 2026	Deed of Trust, Mortgage · Construction Mortgage LAKE MICHIGAN CREDIT UNION
Sep 03, 2019	Deed of Trust, Mortgage · Conventional Mortgage EDGEWATER BANK
Aug 19, 2020	Warranty Deed, Transfer · Conventional Mortgage LAKE MICHIGAN CU

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Aug 19, 2020 · Amount on Record
Deed Sale	Aug 19, 2020 · Amount on Record
Deed Book / Page	3287 / 561
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Recording Date	Jun 22, 2026
Property Address	101 LIGHTHOUSE DUNES PATH, SAINT JOSEPH, MI 49085-2194
Document Number	0000463871
Book / Page	3480 / 2255
Instrument Date	Jun 15, 2026
Instrument	2026463871
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	101 LIGHTHOUSE DUNES PATH, SAINT JOSEPH, MI 49085-2194

Mortgage

Document Number	0000463871,
Date	Jun 22, 2026
Book Page	3480/2255
Instrument	2026463871

Lender

Name	LAKE MICHIGAN CREDIT UNION

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	18 Months
Due	Dec 15, 2027

Interest

Rate Type	Adjustable Rate
Rate	6.36%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	101 LIGHTHOUSE DUNES PATH, SAINT JOSEPH, MI 49085-2194
Transaction Type	Mortgage
Record Updated	Nov 09, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	03248/1281
Date	Sep 03, 2019
Book Page	3248/1281

Lender

Name	EDGEWATER BANK
Type	Bank
Address	SAINT JOSEPH, MI 49085

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 01, 2049

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BERRIEN MI
Recording Date	Aug 19, 2020
Property Address	101 LIGHTHOUSE DUNES PATH, SAINT JOSEPH, MI 49085-2194
Document Number	003287/561
Book / Page	3287 / 561
Map Reference	LB 157 PG 1
Instrument Date	Aug 12, 2020
Transaction Type	Transfer
Record Updated	Nov 09, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$13,932.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	798 HAZELWOOD DR, HOLLAND, MI 49424-2761

Mortgage

Document Number	0003287562
Date	Aug 19, 2020
Instrument	3287/562

Lender

Name	LAKE MICHIGAN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 01, 2050

Interest

Rate Type	Adjustable Rate
Rate	3%
Adjustable	Adjustable Rate Rider
Type Change Date	Sep 01, 2027
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	8%
Index	3-Year CMT
Max Rate	8%

Tax Assessment & Valuation

Source: Berrien County records · Assessment roll updated June 5, 2026 · Last verified July 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

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		$1,587,600 (+47.34%)	$3,175,200 (+47.34%)
2025	$40,887.00 (+11.94%)
2023		$1,077,500	$2,155,000
2022	$36,526.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Berrien County (26021C), updated September 10, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 260210008011, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Cost	Premium on Record median of 11 individual NFIP policies nearby
Nearby Flood Policies	11 in force

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 51 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Xfinity	Cable	1,200 / 35
AT&T	Fixed Wireless	100 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: T-Mobile USA. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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