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

Berrien County property record for 103 Lighthouse Dunes Path, Saint Joseph, MI 49085 · Last verified June 2026

Property Summary

Property Type	Single Family Home
Details	5 bd · 6 ba · 5,829 sqft · built 2004
Lot Size	0.393 acres (17,119 sqft)
Owner	Individual Name on File
Last Sale	$882,000 (Jun 2005)
Tax Bill	$31,508 (2025)
Deeds & Mortgages	Oct 2020 Line of Credit Jun 2021 Construction Loan + 2 more
Flood Zone	Zone X (minimal risk)
APN	`76-4690-0002-00-7`

Property Details

APN / Parcel Number

Primary APN	`76-4690-0002-00-7`
Alternative APN	`11-76-4690-0002-00-7`

Interior

Bedrooms	5 Beds
Full Baths	6 Baths
Half Baths	2 Half Baths
Stories	2 Stories
Building Area	5,829 sqft Living Area
1st Floor Area	2,550 sqft
Basement Area	2,831 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Lot Area	17,119 sqft (0.393 acres)
Lot Dimensions	160 ft deep x 107 ft wide
Garage Area	1,211 sqft
Parking Spaces	5 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	103 LIGHTHOUSE DUNES PATH
City	SAINT JOSEPH
State	MI
Zip	49085-2194
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	UNIT 2 LIGHTHOUSE DUNES LIBER 157 PAGE 1
Legal Subdivision	LIGHTHOUSE DUNES
Legal Unit	2
Jurisdiction	BERRIEN MI
Township / Civil Division	ST. JOSEPH
Census Block Group	1
Census Block	1014
Census Tract	801

Owner

Source: Berrien County records · APN 76-4690-0002-00-7

Assessment roll updated June 5, 2026 · Last verified June 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	103 LIGHTHOUSE DUNES PATH, SAINT JOSEPH, MI 49085-2194
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 28, 2020	Deed of Trust, Mortgage · Line of Credit 1ST SOURCE BANK
Jun 03, 2021	Warranty Deed, Construction Loan · Construction Mortgage HORIZON BANK
May 28, 2019	Intrafamily Transfer, Transfer
Jan 24, 2018	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jun 28, 2005 · Amount on Record
Deed Sale	Jun 28, 2005 · Amount on Record
Deed Book / Page	2623 / 1996
Last Transfer Date	May 22, 2019
Transfer Doc	03238/2125
Record Updated	Sep 20, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	103 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	03297/1895
Date	Oct 28, 2020
Book Page	3297/1895

Lender

Name	1ST SOURCE BANK
Type	Bank
Address	SAINT JOSEPH, MI 49085

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2021: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	BERRIEN MI
Recording Date	Jun 03, 2021
Property Address	103 LIGHTHOUSE DUNES PATH, SAINT JOSEPH, MI 49085-2194
Document Number	0003330/79
Book / Page	3330 / 79
Map Reference	LB157 PG 1
Instrument Date	May 28, 2021
Transaction Type	Construction Loan
Record Updated	Nov 09, 2023
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

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	103 LIGHTHOUSE DUNES PATH, SAINT JOSEPH, MI 49085-2194

Mortgage

Document Number	0003330407
Date	Jun 03, 2021
Instrument	3330/407

Lender

Name	HORIZON BANK
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	372 Months
Due	Jun 01, 2052

May 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BERRIEN MI
Recording Date	May 28, 2019
Property Address	103 LIGHTHOUSE DUNES PATH, SAINT JOSEPH, MI 49085-2194
Document Number	03238/2125
Book / Page	3238 / 2125
Map Reference	LB 57 PG 1-45
Instrument Date	May 22, 2019
Transaction Type	Transfer
Record Updated	Nov 09, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	103 LIGHTHOUSE DUNES PATH, SAINT JOSEPH, MI 49085-2194

January 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BERRIEN MI
Recording Date	Jan 24, 2018
Property Address	103 LIGHTHOUSE DUNES PATH, SAINT JOSEPH, MI 49085-2194
Document Number	03195/2251
Book / Page	3195 / 2251
Instrument Date	Jan 19, 2018
Transaction Type	Transfer
Record Updated	Nov 09, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	103 LIGHTHOUSE DUNES PATH, SAINT JOSEPH, MI 49085-2194

Tax Assessment & Valuation

Source: Berrien County records · Assessment roll updated June 5, 2026 · Last verified June 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		$1,601,400 (-13.38%)	$3,202,800 (-13.38%)
2025	$31,508.00 (+2.45%) Homeowner's exemption	$1,848,800 (+61.31%)	$3,697,600 (+61.31%)
2024	$30,755.00 (-47.54%)
2023		$1,146,100	$2,292,200
2022	$58,628.00

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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