1323 E Napier Ave, Benton Harbor, MI 49022 Property Records

Berrien County property record for 1323 E Napier Ave, Benton Harbor, MI 49022

Property Summary

Property Type	Fast Food Restaurant
Details	1,858 sqft · built 1991
Lot Size	0.923 acres (40,206 sqft)
Owner	Individual Name on Record
Last Sale	$8,829 (Dec 2011)
Tax Bill	$13,442 (2025)
Deeds & Mortgages	Apr 2017 Mortgage Apr 2023 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`03-4840-0029-01-8`

Property Details

APN / Parcel Number

Primary APN	`03-4840-0029-01-8`
Alternative APN	`11-03-4840-0029-01-8`

Interior

Stories	1 Story
Building Area	1,858 sqft Total Area

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Fire Resistance	Masonry Walls, Wood Interior
Lot Area	40,206 sqft (0.923 acres)
Lot Dimensions	200 ft deep x 201 ft wide

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	1323 E NAPIER AVE
City	BENTON HARBOR
State	MI
Zip	49022-2133
Property Category	Commercial
Property Type	Commercial > Retail > Fast Food Restaurant
Local Zoning Code	D2 COMM
Legal Description	LOTS 4,5 & 6 BLK 3 MAPLEHURST EXC THE S 7'OF SD LOTS PER 995/4 & 10
Legal Subdivision	MAPLEHURST
Legal Block	3
Legal Lot Number	4-6
Jurisdiction	BERRIEN MI
Township / Civil Division	BENTON
Census Block Group	3
Census Block	3015
Census Tract	2100

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	4475 WINDING LN, STEVENSVILLE, MI 49127-9330
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 17, 2017	Deed of Trust, Mortgage · Commercial Mortgage HORIZON BANK NA
Apr 10, 2023	Deed of Trust, Mortgage · Line of Credit HORIZON BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 1, 2011 · Amount on Record
Deed Sale	Dec 1, 2011 · Amount on Record
Prior Sale	Jun 13, 1991 · Amount on Record
Deed Book / Page	2976 / 2171
Prior Transfer Date	Sep 29, 2011
Prior Transfer Doc	2976002171
Record Updated	Oct 29, 2026

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	1323 E NAPIER AVE, BENTON HARBOR, MI 49022-2133
Transaction Type	Mortgage
Record Updated	Nov 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	03169/1474
Date	Apr 17, 2017
Book Page	3169/1474

Lender

Name	HORIZON BANK NA
Type	Bank
Address	PORTAGE, MI 49024

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Apr 14, 2032

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	1323 E NAPIER AVE, BENTON HARBOR, MI 49022-2133
Transaction Type	Mortgage
Record Updated	Nov 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4475 WINDING LN, STEVENSVILLE, MI 49127-9330
Investor	Possibly a Property Investor

Mortgage

Document Number	03401/3782
Date	Apr 10, 2023
Book Page	3401/3782
Instrument	2023378243

Lender

Name	HORIZON BANK
Type	Bank
Address	MICHIGAN CITY, IN 46360

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	Apr 4, 2024

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Michigan
County	Berrien County
County Subdivision	Benton Charter Township
Unified School District	Benton Harbor Area Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$291,900 (-4.7%)	$583,800 (-4.7%)
2025	$13,442.00 (+4.27%)	$306,300 (-1.89%)	$612,600 (-1.89%)
2024	$12,891.00 (+9.85%)
2023		$312,200	$624,400
2022	$11,735.00

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

Flood

Source: FEMA National Flood Hazard Layer, effective September 10, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	1 (1986)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Oct 1986 · tidal / storm surge

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 100 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: AT&T, T-Mobile.

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