1104 State St, Saint Joseph, MI 49085 Property Records

Berrien County property record for 1104 State St, Saint Joseph, MI 49085

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,440 sqft · built 1900
Lot Size	0.1 acres (4,356 sqft)
Owner	Individual Name on File
Last Sale	$180,000 (Apr 2015)
Tax Bill	$7,948 (2025)
Deeds & Mortgages	Jan 2017 Refinance
Flood Zone	Zone X (minimal risk)
APN	`76-1350-0002-00-2`

Property Details

APN / Parcel Number

Primary APN	`76-1350-0002-00-2`
Alternative APN	`11-76-1350-0002-00-2`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,440 sqft Living Area
1st Floor Area	1,220 sqft
Basement Area	714 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Lot Area	4,356 sqft (0.1 acres)
Lot Dimensions	132 ft deep x 33 ft wide
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1104 STATE ST
City	SAINT JOSEPH
State	MI
Zip	49085-1562
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1 - E
Legal Description	NELY 1/2 OF LOT 2 COOPER & FYFES SUBDN OF BLK 60 B C HOYTS 2ND ADD TO CITY OF ST JOSEPH WHOSE SWLY LN IS PAR TO NELY LN OF SD LOT
Legal Subdivision	COOPER & FYFES SUB
Legal Block	60
Legal Lot Number	2
Legal Unit	2
Jurisdiction	BERRIEN MI
Township / Civil Division	ST. JOSEPH
Census Block Group	2
Census Block	2025
Census Tract	801

Owner

1104 State St is owned and occupied by an individual who acquired it in January 2017.

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

Owner of Record	Individual Name on File
Mailing Address	1104 STATE ST, SAINT JOSEPH, MI 49085-1562
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 1, 2015 · Amount on File
Deed Sale	Apr 1, 2015 · Amount on File
Prior Sale	Nov 7, 2002 · Amount on File
Deed Book / Page	3099 / 483
Last Transfer Date	Jan 19, 2017
Transfer Doc	03161/1394
Record Updated	Oct 29, 2026

January 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BERRIEN MI
Recording Date	Jan 23, 2017
Property Address	1104 STATE ST, SAINT JOSEPH, MI 49085-1562
Document Number	03161/1394
Book / Page	3161 / 1394
Instrument Date	Jan 19, 2017
Transaction Type	Transfer
Record Updated	Nov 9, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

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 by the Entirety
Address	1104 STATE ST, SAINT JOSEPH, MI 49085-1562

Mortgage

Document Number	0031611395
Date	Jan 23, 2017
Instrument	3161/1395

Lender

Name	JAY WILLIAM COSTAS ETUX
Type	Private Party

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 1104 State St was $7,948 with a homeowner's exemption, up 15.6% from the year before.

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$239,200 (+20.81%)	$478,400 (+20.81%)
2025	$7,948.00 (+15.59%) Homeowner's exemption	$198,000	$396,000
2024	$6,876.00
2023		$152,600	$305,200
2022	$4,230.00

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

Flood

FEMA maps place 1104 State 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

The area around 1104 State St has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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	ST JOSEPH serves 7,930 people · EPA ID MI0006310
Water Source	Surface water
Last State Inspection	Jun 2025
Lead	4 ppb (2026) 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 702 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless · DSL · Fiber in parts of the area	100 / 20