107 Walnut St, Three Oaks, MI 49128 Property Records

Berrien County property record for 107 Walnut St, Three Oaks, MI 49128

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 3,468 sqft · built 1968
Lot Size	0.4 acres (17,424 sqft)
Owner	2 Individual Names on File
Tax Bill	$3,293 (2025)
Deeds & Mortgages	Sep 2022 Second Mortgage Oct 2025 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`47-8700-0021-01-0`

Property Details

APN / Parcel Number

Primary APN	`47-8700-0021-01-0`
Alternative APN	`11-47-8700-0021-01-0`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	3,468 sqft Living Area
1st Floor Area	3,468 sqft
Basement Area	1,368 sqft
Unfinished Basement	1,368 sqft

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1968
Lot Area	17,424 sqft (0.4 acres)
Lot Dimensions	132 ft deep x 132 ft wide
Garage Area	720 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	107 WALNUT ST
City	THREE OAKS
State	MI
Zip	49128-1051
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COMBINED ON 01/18/2014 FROM 47-8700-0021-00-8, 47-8700-0022-00-4; LOTS 21 & 22 WHITTAKER ADD TO VILL OF THREE OAKS
Legal Subdivision	WHITTAKER ADD
Legal Lot Number	21-22
Jurisdiction	BERRIEN MI
Township / Civil Division	THREE OAKS
Census Block Group	1
Census Block	1032
Census Tract	11400

Owner

107 Walnut St is owned and occupied by two individuals who acquired it in October 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	107 WALNUT ST, THREE OAKS, MI 49128-1051
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Sep 23, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage NOT AVAILABLE
Oct 23, 2025	Intrafamily Transfer, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
Sep 23, 2022	Warranty Deed, Transfer · FHA Mortgage PROPER RATE LLC
Dec 22, 2017	Warranty Deed, Transfer · FHA Mortgage HORIZON BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 23, 2025
Deed Sale	Oct 23, 2025
Prior Sale	Dec 22, 2017 · Amount on File
Deed Document Number	2025444502
Deed Book / Page	3462 / 3480
Prior Transfer Date	Sep 18, 2025
Prior Transfer Doc	03462/3480
Record Updated	Oct 29, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	107 WALNUT ST, THREE OAKS, MI 49128-1051
Transaction Type	Mortgage
Record Updated	Nov 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	107 WALNUT ST, THREE OAKS, MI 49128-1051

Mortgage

Document Number	03386/2748
Date	Sep 23, 2022
Book Page	3386/2748
Instrument	2022363205

Lender

Name	NOT AVAILABLE
Address	FLINT, MI 48501

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2052

October 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BERRIEN MI
Recording Date	Oct 23, 2025
Property Address	107 WALNUT ST, THREE OAKS, MI 49128-1051
Document Number	03462/3480
Book / Page	3462 / 3480
Map Reference	MB 12 PG 55
Instrument Date	Sep 18, 2025
Instrument	2025444502
Transaction Type	Transfer
Record Updated	Nov 20, 2025
Title Company	BEST TITLE COMPANY, ESSENT TITLE INSURANCE INC

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	Joint Tenants
Address	107 WALNUT ST, THREE OAKS, MI 49128-1051

Mortgage

Document Number	0034623484
Date	Oct 23, 2025
Instrument	3462/3484

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2055

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BERRIEN MI
Recording Date	Sep 23, 2022
Property Address	107 WALNUT ST, THREE OAKS, MI 49128-1051
Document Number	03386/2972
Book / Page	3386 / 2972
Map Reference	MB 12 PG 55
Instrument Date	Sep 16, 2022
Instrument	2022363253
Transaction Type	Transfer
Record Updated	Nov 9, 2023
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	14996 PARRISH GAP RD SE, JEFFERSON, OR 97352-9278

Mortgage

Document Number	0033862973
Date	Sep 23, 2022
Instrument	3386-2973

Lender

Name	PROPER RATE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2052

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BERRIEN MI
Recording Date	Dec 22, 2017
Property Address	107 WALNUT ST, THREE OAKS, MI 49128-1051
Document Number	03193/1005
Book / Page	3193 / 1005
Map Reference	MB12 PG55
Instrument Date	Dec 18, 2017
Instrument	3193-1005
Transaction Type	Transfer
Record Updated	Nov 9, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$100.10
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	107 WALNUT ST, THREE OAKS, MI 49128-1051

Mortgage

Document Number	0031931008
Date	Dec 22, 2017
Instrument	3193-1008

Lender

Name	HORIZON BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 107 Walnut St was $3,293 with a homeowner's exemption, up 2.7% from the year before.

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

Property Jurisdictions

Type	Name
State	Michigan
County	Berrien County
County Subdivision	Three Oaks Township
Municipality	Three Oaks Village
Unified School District	River Valley School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$166,200 (+3.94%)	$332,400 (+3.94%)
2025	$3,293.00 (+2.71%) Homeowner's exemption	$159,900	$319,800
2024	$3,206.00
2023		$144,000	$288,000
2022	$2,634.00

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

Flood

FEMA maps place 107 Walnut 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

Wildfire risk around 107 Walnut 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 99.1% of the US · lower than 98.4% of Michigan
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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	THREE OAKS serves 1,622 people · EPA ID MI0006600
Water Source	Groundwater
Last State Inspection	Jan 2025
Lead	8 ppb (2022–2024) 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 83 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Surf Internet Fiber	8,000 / 8,000
Xfinity Cable	1,200 / 35
Mercury Fiber Fixed Wireless	150 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Midwest Energy & Communications.

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