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1401 Rocky Gap Rd, Benton Harbor, MI 49022 Property Records

Berrien County property record for 1401 Rocky Gap Rd, Benton Harbor, MI 49022

Property Summary

Property TypeSingle Family Home
Details3 bd · 2.5 ba · 2,316 sqft · built 1961
Lot Size0.344 acres (14,985 sqft)
Owner2 Individual Names on Record
Last Sale$96,500 (Sep 1991)
Tax Bill$3,485 (2025)
Deeds & MortgagesApr 2021 Mortgage
Oct 2025 Transfer
Flood ZoneZone X (minimal risk)
APN03-3120-0006-01-3

Property Details

APN / Parcel Number

Primary APN03-3120-0006-01-3
Alternative APN
  • 11-03-3120-0006-01-3

Interior

Bedrooms3 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Building Area2,316 sqft Living Area
1st Floor Area2,316 sqft
Basement Area1,260 sqft
Unfinished Basement1,260 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1961
Effective Year BuiltEffective 1961
Architectural StyleRaised Ranch
Lot Area14,985 sqft (0.344 acres)
Lot Dimensions150 ft deep x 100 ft wide
Garage Area696 sqft
Parking Spaces2 Parking Spaces

Utilities, Heating & Cooling

Heating SystemForced Air with A/C

Location & Zoning

Street Address1401 ROCKY GAP RD
CityBENTON HARBOR
StateMI
Zip49022-3528
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeA2 SING FA
Legal DescriptionTHE N 150' OF THE E 75' OF LOT 6 & THE N 150' OF THE W 25' OF LOT 7 ALTER OF LOTS 1 TO 4 INCL & LOTS 72 TO 141 INCL OF PLAT OF HIGMAN PARK LYING S OF ROCKY GAP RD AS RELCT
Legal SubdivisionHIGMAN PARK
Legal Lot Number6-72
JurisdictionBERRIEN MI
Township / Civil DivisionBENTON
Census Block Group2
Census Block2001
Census Tract2500

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 Record2 Individual Names on Record
Mailing Address1401 ROCKY GAP RD, BENTON HARBOR, MI 49022-3528
OccupancyOwner Occupied
Owner TypeIndividual
VestingLife Estate

Deeds, Mortgages & Sale History

DateDocument
Apr 29, 2021Deed of Trust, Mortgage
FIFTH THIRD BANK NA
Oct 23, 2025Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleSep 6, 1991 · Amount on Record
Deed SaleSep 6, 1991 · Amount on Record
Deed Book / Page1475 / 617
Last Transfer DateOct 14, 2025
Transfer Doc03462/3562
Record UpdatedOct 29, 2026

April 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionBERRIEN MI
Property Address1401 ROCKY GAP RD, BENTON HARBOR, MI 49022-3528
Transaction TypeMortgage
Record UpdatedNov 20, 2025

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number003325/587
DateApr 29, 2021
Book Page3325/587
Lender
NameFIFTH THIRD BANK NA
TypeBank
AddressGRAND RAPIDS, MI 49546
Agreement
AmountAmount Recorded
Term181 Months
DueMay 1, 2036

October 2025: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionBERRIEN MI
Recording DateOct 23, 2025
Property Address1401 ROCKY GAP RD, BENTON HARBOR, MI 49022-3528
Document Number03462/3562
Book / Page3462 / 3562
Map ReferenceVOL 4 PG 54
Instrument DateOct 14, 2025
Instrument2025444524
Transaction TypeTransfer
Record UpdatedNov 20, 2025

Transaction

Tax$0.00
Amount AccuracyTransfer Tax Exempt
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipRevocable Living Trust
Address1401 ROCKY GAP RD, BENTON HARBOR, MI 49022-3528

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateMichigan
CountyBerrien County
County SubdivisionBenton Charter Township
Unified School DistrictBenton Harbor Area Schools (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$201,100 (+11.72%)$402,200 (+11.72%)
2025$3,485.00 (+3.11%) Homeowner's exemption$180,000 (+41.18%)$360,000 (+41.18%)
2024$3,380.00 (+10.24%)
2023$127,500$255,000
2022$3,066.00

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies2 in force
Nearby Flood Claims6 (1980–2019)
Claims Outside the SFHA6 of 6
Most Recent ClaimSep 2019 · other causes

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 RiskLow
lower than 80% of the US · above 51% of Michigan
Wildfire Likelihood0.01% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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 SystemBENTON CHARTER TOWNSHIP
serves 6,768 people · EPA ID MI0000605
Water SourceSurface water
Last State InspectionJun 2022
LeadUnder 1 ppb (2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 62 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable		1,200 / 35
Verizon
Fixed Wireless		300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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