Berrien County property record for 1107 State St, Saint Joseph, MI 49085
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3 ba · 2,016 sqft · built 1925 |
| Lot Size | 0.152 acres (6,621 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $110,000 (Nov 1997) |
| Tax Bill | $4,995 (2025) |
| Deeds & Mortgages | Mar 2006 Second Mortgage May 2025 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 76-3170-0106-00-5 |
| Primary APN | 76-3170-0106-00-5 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,016 sqft Living Area |
| 1st Floor Area | 1,008 sqft |
| Basement Area | 1,008 sqft |
| Year Built | Built 1925 |
|---|---|
| Effective Year Built | Effective 1925 |
| Lot Area | 6,621 sqft (0.152 acres) |
| Lot Dimensions | 132 ft deep x 50 ft wide |
| Garage Area | 994 sqft |
| Parking Spaces | 4 Parking Spaces |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 1107 STATE ST, 2 |
|---|---|
| City | SAINT JOSEPH |
| State | MI |
| Zip | 49085-1499 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 - E |
| Legal Description | THE SWLY 50' OF LOT 7 BLK 59 B C HOYT'S SECOND ADD TO CITY OF ST JOSEPH WHOSE NELY LN IS PAR TO SWLY LN OF SD LOT 7 |
| Legal Subdivision | HOYTS SECOND ADD |
| Legal Block | 59 |
| Legal Lot Number | 7 |
| Legal Unit | 7,7 |
| Jurisdiction | BERRIEN MI |
| Township / Civil Division | ST. JOSEPH |
| Census Block Group | 2 |
| Census Block | 2029 |
| Census Tract | 801 |
1107 State St is owned by two individuals who acquired it in May 2025.
Source: Berrien County records, as of September 28, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1107 STATE ST, SAINT JOSEPH, MI 49085-1496 |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Mar 21, 2006 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage EDGEWATER BANK |
| May 27, 2025 | Quit Claim Deed, Transfer · Conventional Mortgage STURGIS BANK & TRUST CO |
| Jul 19, 2019 | Intrafamily Transfer, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 14, 1997 · Amount on File |
| Deed Sale | Nov 14, 1997 · Amount on File |
| Prior Sale | Aug 28, 1989 |
| Deed Book / Page | 1847 / 126 |
| Last Transfer Date | May 21, 2025 |
| Transfer Doc | 03451/2063 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERRIEN MI |
| Property Address | 1107 STATE ST APT 2, 2, SAINT JOSEPH, MI 49085-1499 |
| Transaction Type | Mortgage |
| Record Updated | Jun 5, 2026 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 02696/1536 |
|---|---|
| Date | Mar 21, 2006 |
| Book Page | 2696/1536 |
| Name | EDGEWATER BANK |
|---|---|
| Address | 321 MAIN ST, SAINT JOSEPH, MI 49085 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Mar 7, 2021 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | BERRIEN MI |
| Recording Date | May 27, 2025 |
| Property Address | 1107 STATE ST APT 2, 2, SAINT JOSEPH, MI 49085-1499 |
| Document Number | 03451/2063 |
| Book / Page | 3451 / 2063 |
| Map Reference | LB 1 PG 18 |
| Instrument Date | May 21, 2025 |
| Instrument | 2025433337 |
| Transaction Type | Transfer |
| Record Updated | Jun 5, 2026 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1107 STATE ST, SAINT JOSEPH, MI 49085-1496 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 1107 STATE ST, SAINT JOSEPH, MI 49085-1496 |
| Document Number | 0034512064 |
|---|---|
| Date | May 27, 2025 |
| Instrument | 3451/2064 |
| Name | STURGIS BANK & TRUST CO |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2055 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | BERRIEN MI |
| Recording Date | Jul 19, 2019 |
| Property Address | 1107 STATE ST APT 2, 2, SAINT JOSEPH, MI 49085-1499 |
| Document Number | 03243/3348 |
| Book / Page | 3243 / 3348 |
| Map Reference | VOL 1 PG 18 |
| Instrument Date | Jul 15, 2019 |
| Transaction Type | Transfer |
| Record Updated | Jun 5, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1107 STATE ST APT 2, 2, SAINT JOSEPH, MI 49085-1499 |
| Investor | Possibly a Property Investor |
The 2025 property tax bill for 1107 State St was $4,995, up 2.6% from the year before.
Source: Berrien County assessment roll, as of September 28, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Berrien County |
| Municipality | St. Joseph City |
| Unified School District | St. Joseph Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $230,900 (+17.51%) | $461,800 (+17.51%) | |
| 2025 | $4,995.00 (+2.59%) | $196,500 | $393,000 |
| 2024 | $4,869.00 | ||
| 2023 | $165,400 | $330,800 | |
| 2022 | $4,447.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1107 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.
The area around 1107 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.
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 |
| 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.
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 |
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