1328 State St, Saint Joseph, MI 49085 Property Records

Berrien County property record for 1328 State St, Saint Joseph, MI 49085

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,354 sqft · built 1923
Lot Size	0.163 acres (7,100 sqft)
Owner	Individual Name on File
Last Sale	$32,000 (Nov 1989)
Tax Bill	$3,136 (2025)
Deeds & Mortgages	Nov 2020 Mortgage Sep 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`76-5130-0014-00-5`

Property Details

APN / Parcel Number

Primary APN	`76-5130-0014-00-5`
Alternative APN	`11-76-5130-0014-00-5`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Building Area	1,354 sqft Living Area
1st Floor Area	1,094 sqft
Basement Area	1,094 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1923
Effective Year Built	Effective 1923
Lot Area	7,100 sqft (0.163 acres)
Lot Dimensions	145 ft deep x 49 ft wide
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1328 STATE ST
City	SAINT JOSEPH
State	MI
Zip	49085-1556
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1 - D
Legal Description	THAT PRT OF LOT 1 NAPIERS ADD TO CITY OF ST JOSEPH & THAT PRT OF LOT 14 JOHN W MULLEN ADD TO CITY OF ST JOSEPH DESCRIBED AS COM 50' NELY ON THE WLY LN OF NAPIER AVE FROM THE SELY COR OF SD LOT 1 TH NWLY TO A PT ON WLY LN OF SD LOT 14 WHICH IS 17.7'NE
Legal Subdivision	JOHN W MULLEN ADD
Legal Lot Number	1,14,46
Jurisdiction	BERRIEN MI
Township / Civil Division	ST. JOSEPH
Census Block Group	2
Census Block	2024
Census Tract	801

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 File
Mailing Address	1328 STATE ST, SAINT JOSEPH, MI 49085-1556
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 24, 2020	Deed of Trust, Mortgage · Conventional Mortgage HONOR CU
Sep 4, 2019	Deed of Trust, Mortgage · Conventional Mortgage HONOR CU
May 15, 2023	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 13, 1989 · Amount on File
Deed Sale	Nov 13, 1989 · Amount on File
Prior Sale	Oct 30, 1982 · Amount on File
Deed Book / Page	1402 / 1286
Last Transfer Date	May 10, 2023
Transfer Doc	03403/4138
Record Updated	Oct 29, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	1328 STATE ST, SAINT JOSEPH, MI 49085-1556
Transaction Type	Mortgage
Record Updated	Nov 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	03301/3073
Date	Nov 24, 2020
Book Page	3301/3073

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2050

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	1328 STATE ST, SAINT JOSEPH, MI 49085-1556
Transaction Type	Mortgage
Record Updated	Nov 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	03248/1619
Date	Sep 4, 2019
Book Page	3248/1619

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2049

May 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BERRIEN MI
Recording Date	May 15, 2023
Property Address	1328 STATE ST, SAINT JOSEPH, MI 49085-1556
Document Number	03403/4138
Book / Page	3403 / 4138
Instrument Date	May 10, 2023
Instrument	2023380570
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

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1328 STATE ST, SAINT JOSEPH, MI 49085-1556

Tax Assessment & Valuation

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		$180,000 (+52.41%)	$360,000 (+52.41%)
2025	$3,136.00 (+11.92%)
2023		$118,100	$236,200
2022	$2,802.00

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

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	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 474 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL · Fixed Wireless in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: Mercury Fiber.

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