1327 E Empire Ave, Benton Harbor, MI 49022 Property Records

Berrien County property record for 1327 E Empire Ave, Benton Harbor, MI 49022

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,086 sqft · built 1947
Lot Size	0.91 acres (39,640 sqft)
Owner	Individual Name on File
Last Sale	$79,000 (Aug 2016)
Tax Bill	$2,039 (2025)
Deeds & Mortgages	Jun 2026 Mortgage May 2023 Second Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`03-0020-0051-07-0`

Property Details

APN / Parcel Number

Primary APN	`03-0020-0051-07-0`
Alternative APN	`11-03-0020-0051-07-0`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Building Area	1,086 sqft Living Area
1st Floor Area	1,086 sqft
Basement Area	1,086 sqft
Unfinished Basement	1,086 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1947
Effective Year Built	Effective 1947
Architectural Style	Raised Ranch
Lot Area	39,640 sqft (0.91 acres)
Garage Area	384 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	1327 E EMPIRE AVE
City	BENTON HARBOR
State	MI
Zip	49022-2017
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A2 SING FA
Legal Description	SPLIT/COMBINED ON 09/02/2016 FROM 03-0020-0051-06-7, 03-0020-0051-01-6; BEG AT S 1/4 PST SEC 20 T4S R18W TH W ON S SEC LN ABOUT 216.00' TO C/L CREEK TH NLY ON C/L OF CREEK TO A PT ABOUT 162.00' N OF S LN OF SEC TO A SMALL DITCH TH ELY ON C/L OF SMALL
Legal Range	18W
Legal Township	04S
Legal Section	20
Jurisdiction	BERRIEN MI
Township / Civil Division	BENTON
Census Block Group	1
Census Block	1002
Census Tract	2100

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Mary's City of David listed 2009 · 77 contributing resources · NRIS 09000201

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

1327 E Empire Ave is owned and occupied by an individual who acquired it in August 2022.

Source: Berrien County records, as of October 8, 2026

Owner of Record	Individual Name on File
Mailing Address	1327 E EMPIRE AVE, BENTON HARBOR, MI 49022-2017
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

Date	Document
Jun 30, 2026	Quit Claim Deed, Transfer · Balloon Mortgage HONOR CREDIT UNION
May 30, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage HONOR CU
Sep 27, 2022	Intrafamily Transfer, Transfer
Aug 8, 2022	Quit Claim Deed, Transfer Quitclaim
Nov 1, 2021	Quit Claim Deed, Transfer Quitclaim
Jan 24, 2020	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 11, 2016 · Amount on File
Deed Sale	Aug 11, 2016 · Amount on File
Prior Sale	Jul 29, 2014 · Amount on File
Deed Book / Page	3144 / 2938
Last Transfer Date	Aug 8, 2022
Transfer Doc	003382/169
Record Updated	Oct 29, 2026

June 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BERRIEN MI
Recording Date	Jun 30, 2026
Property Address	1327 E EMPIRE AVE, BENTON HARBOR, MI 49022-2017
Document Number	0000464553
Book / Page	3481 / 765
Instrument Date	Jun 17, 2026
Instrument	2026464553
Transaction Type	Transfer
Record Updated	Jul 17, 2026
Title Company	MICHIGAN TRUSTED TITLE AGENCY, MICHIGAN TRUSTED TITLE

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1327 E EMPIRE AVE, BENTON HARBOR, MI 49022-2017

Mortgage

Document Number	0000464554,
Date	Jun 30, 2026
Instrument	2026464554

Lender

Name	HONOR CREDIT UNION

Agreement

Type	Balloon Mortgage
Amount	Amount on Record
Term	67 Months
Due	Jan 1, 2032

Interest

Rate Type	Balloon
Rate	6.36%
Initial Type	Balloon
Max Rate	-1%

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	1327 E EMPIRE AVE, BENTON HARBOR, MI 49022-2017
Transaction Type	Mortgage
Record Updated	Nov 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1327 E EMPIRE AVE, BENTON HARBOR, MI 49022-2017

Mortgage

Document Number	03404/3850
Date	May 30, 2023
Book Page	3404/3850
Instrument	2023381516

Lender

Name	HONOR CU
Type	Credit Union
Address	BERRIEN SPRINGS, MI 49103

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	121 Months
Due	Jun 1, 2033

September 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BERRIEN MI
Recording Date	Sep 27, 2022
Property Address	1327 E EMPIRE AVE, BENTON HARBOR, MI 49022-2017
Document Number	003387/616
Book / Page	3387 / 616
Instrument Date	Sep 24, 2022
Instrument	2022363484
Transaction Type	Transfer
Record Updated	Nov 9, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	337 BRADFORD RD, BENTON HARBOR, MI 49022-6005

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1324 E EMPIRE AVE, BENTON HARBOR, MI 49022-2018

August 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BERRIEN MI
Recording Date	Aug 8, 2022
Property Address	1327 E EMPIRE AVE, BENTON HARBOR, MI 49022-2017
Document Number	003382/169
Book / Page	3382 / 169
Instrument Date	Aug 8, 2022
Instrument	2022359487
Transaction Type	Transfer
Record Updated	Nov 9, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1327 E EMPIRE AVE, BENTON HARBOR, MI 49022-2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	337 BRADFORD RD, BENTON HARBOR, MI 49022-6005

November 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BERRIEN MI
Recording Date	Nov 1, 2021
Property Address	1327 E EMPIRE AVE, BENTON HARBOR, MI 49022-2017
Document Number	003351/586
Book / Page	3351 / 586
Instrument Date	Nov 1, 2021
Transaction Type	Transfer
Record Updated	Nov 9, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1327 E EMPIRE AVE, BENTON HARBOR, MI 49022-2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	337 BRADFORD RD, BENTON HARBOR, MI 49022-6005

January 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BERRIEN MI
Recording Date	Jan 24, 2020
Property Address	1327 E EMPIRE AVE, BENTON HARBOR, MI 49022-2017
Document Number	03263/0050
Book / Page	3263 / 0050
Instrument Date	Jan 24, 2020
Transaction Type	Transfer
Record Updated	Nov 9, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	337 BRADFORD RD, BENTON HARBOR, MI 49022-6005

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1327 E EMPIRE AVE, BENTON HARBOR, MI 49022-2017

Tax Assessment & Valuation

The 2025 property tax bill for 1327 E Empire Ave was $2,039 with a homeowner's exemption.

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		$55,800	$111,600
2025	$2,039.00
2023		$48,800	$97,600
2022	$2,473.00

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

Flood

FEMA maps place 1327 E Empire Ave 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 1327 E Empire Ave 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 98% of the US · lower than 95% 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	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 127 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

May also be available: AT&T.

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