Berrien County property record for 1040 Monroe St, Benton Harbor, MI 49022
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 735 sqft · built 1942 |
| Lot Size | 0.143 acres (6,229 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $3,952 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 53-2000-0144-00-1 |
| Primary APN | 53-2000-0144-00-1 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Building Area | 735 sqft Living Area |
| 1st Floor Area | 735 sqft |
| Basement Area | 735 sqft |
| Unfinished Basement | 735 sqft |
| Year Built | Built 1942 |
|---|---|
| Effective Year Built | Effective 1942 |
| Architectural Style | Raised Ranch |
| Lot Area | 6,229 sqft (0.143 acres) |
| Lot Dimensions | 127 ft deep x 49 ft wide |
| Garage Area | 280 sqft |
| Parking Spaces | 1 Parking Space |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 1040 MONROE ST |
|---|---|
| City | BENTON HARBOR |
| State | MI |
| Zip | 49022-5224 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | DISTRICT A |
| Legal Description | LOT 20 BLK 6 EMPIRE ADD TO CITY OF BENTON HARBOR |
| Legal Subdivision | EMPIRE ADD |
| Legal Block | 6 |
| Legal Lot Number | 20 |
| Legal Unit | 20 |
| Jurisdiction | BERRIEN MI |
| Township / Civil Division | BENTON HARBOR |
| Census Block Group | 1 |
| Census Block | 1007 |
| Census Tract | 600 |
1040 Monroe St is owned and occupied by an individual who acquired it in July 1985.
Source: Berrien County records, as of September 28, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1040 MONROE ST, BENTON HARBOR, MI 49022-5224 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 18, 1985 |
| Deed Sale | Jul 18, 1985 |
| Prior Sale | Oct 30, 1978 · Amount on File |
| Deed Book / Page | 1237 / 60 |
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 1040 Monroe St was $3,952 with a homeowner's exemption.
Source: Berrien County assessment roll, as of September 28, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Berrien County |
| Municipality | Benton Harbor City |
| Unified School District | Benton Harbor Area Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $27,400 | $54,800 | |
| 2025 | $3,952.00 | ||
| 2023 | $16,100 | $32,200 | |
| 2022 | $499.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1040 Monroe 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 risk around 1040 Monroe St is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 95% of Michigan |
|---|---|
| Wildfire Likelihood | Under 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | BENTON HARBOR serves 9,103 people · EPA ID MI0000600 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jan 2025 |
| Lead | Under 1 ppb (2025) action level 15 ppb |
| Water Quality | Treatment failure resolved · Sep 2021 Failure to filter resolved · May 2021 |
|---|---|
| Treatment and Procedure | Organic carbon removal Apr 2026 Treatment change without state approval Sep 2021 Lead public education Aug 2021 |
| 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.
Source: FCC Broadband Data Collection, based on 638 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| AT&T Fixed Wireless · Fiber, DSL in parts of the area | 100 / 20 |
May also be available: Verizon.
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