108 Locust St E, Three Oaks, MI 49128 Property Records

Berrien County property record for 108 Locust St E, Three Oaks, MI 49128

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,820 sqft · built 1900
Lot Size	0.45 acres (19,602 sqft)
Owner	Individual Name on Record
Last Sale	$320,000 (Oct 2021)
Tax Bill	$2,459 (2025)
Deeds & Mortgages	Sep 2018 Mortgage Apr 2023 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`47-1200-0006-03-3`

Property Details

APN / Parcel Number

Primary APN	`47-1200-0006-03-3`
Alternative APN	`11-47-1200-0006-03-3`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,820 sqft Living Area
1st Floor Area	910 sqft
Basement Area	910 sqft
Unfinished Basement	910 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Aluminum/Vinyl
Lot Area	19,602 sqft (0.45 acres)
Lot Dimensions	198 ft deep x 99 ft wide
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	108 LOCUST ST E
City	THREE OAKS
State	MI
Zip	49128-1225
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COM 16 RDS W OF NE COR OF LOT F CHAMBERLAIN'S PLAT OF SUB OF NW1/4 OF NW1/4 OF SEC 11 T8S R20W TH S 12 RDS TH E 6 RDS TH N 12 RDS TH W 6 RDS TO BEG
Legal Range	20W
Legal Township	08S
Legal Section	11
Legal Subdivision	CHAMBERLAINS PLAT OF SUB
Legal Lot Number	F
Legal Unit	F
Jurisdiction	BERRIEN MI
Township / Civil Division	THREE OAKS
Census Block Group	2
Census Block	2032
Census Tract	11400

Owner

Source: Berrien County records, as of September 28, 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 Record
Mailing Address	108 LOCUST ST E, THREE OAKS, MI 49128-1225
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 27, 2018	Deed of Trust, Mortgage · ARM DITECH FINANCIAL LLC
Apr 6, 2023	Deed of Trust, Mortgage · Commercial Mortgage STURGIS BANK & TRUST CO
Oct 4, 2021	Warranty Deed, Transfer · ARM OAK MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 4, 2021 · Amount on Record
Deed Sale	Oct 4, 2021 · Amount on Record
Prior Sale	May 29, 2002
Deed Document Number	2021330545
Deed Book / Page	3347 / 306
Prior Transfer Date	Sep 24, 2010
Prior Transfer Doc	02933/1797
Record Updated	Oct 29, 2026

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	108 LOCUST ST E, THREE OAKS, MI 49128-1225
Transaction Type	Mortgage
Record Updated	Nov 9, 2023
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	03218/1198
Date	Sep 27, 2018
Book Page	3218/1198

Lender

Name	DITECH FINANCIAL LLC
Type	Mortgage Company
Address	FORT WASHINGTON, PA 19034

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.37%
Type Change Date	Oct 1, 2025
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	9.37%
Index	1-Year LIBOR
Max Rate	9.37%

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	108 LOCUST ST E, THREE OAKS, MI 49128-1225
Transaction Type	Mortgage
Record Updated	Nov 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	108 LOCUST ST E, THREE OAKS, MI 49128-1225

Mortgage

Document Number	03401/3598
Date	Apr 6, 2023
Book Page	3401/3598
Instrument	2023378194

Lender

Name	STURGIS BANK & TRUST CO
Type	Bank
Address	STURGIS, MI 49091

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BERRIEN MI
Recording Date	Oct 4, 2021
Property Address	108 LOCUST ST E, THREE OAKS, MI 49128-1225
Document Number	003347/306
Book / Page	3347 / 306
Instrument Date	Sep 30, 2021
Transaction Type	Transfer
Record Updated	Nov 9, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,752.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	108 LOCUST ST E, THREE OAKS, MI 49128-1225

Mortgage

Document Number	0003347308
Date	Oct 4, 2021
Instrument	3347/308

Lender

Name	OAK MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	3%
Adjustable	Adjustable Rate Rider
Type Change Date	Oct 1, 2031
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	5%
Index	Other
Max Rate	9%

Tax Assessment & Valuation

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		$134,600 (+2.44%)	$269,200 (+2.44%)
2025	$2,459.00 (+2.63%) Homeowner's exemption	$131,400 (+9.05%)	$262,800 (+9.05%)
2024	$2,396.00 (+10.11%)
2023		$120,500	$241,000
2022	$2,176.00

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

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

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 343 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
Verizon Fixed Wireless	300 / 20
Mercury Fiber Fixed Wireless	150 / 20
T-Mobile Fixed Wireless	100 / 20

108 Locust St E, Three Oaks, MI 49128 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Utilities, Heating & Cooling

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

September 2018: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

April 2023: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

October 2021: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood

Wildfire

Drinking Water

Violations Reported to EPA

Internet Providers

Nearby Properties on Locust St E

Nearby Streets

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