Berrien County property record for 1403 Oak Ter, Saint Joseph, MI 49085
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,192 sqft · built 1978 |
| Lot Size | 0.376 acres (16,379 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $390,000 (Jul 2021) |
| Tax Bill | $5,246 (2025) |
| Deeds & Mortgages | Nov 2023 Line of Credit Jul 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 12-5590-0040-03-0 |
| Primary APN | 12-5590-0040-03-0 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,192 sqft Living Area |
| 1st Floor Area | 1,260 sqft |
| Basement Area | 932 sqft |
| Unfinished Basement | 932 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1978 |
|---|---|
| Effective Year Built | Effective 1978 |
| Lot Area | 16,379 sqft (0.376 acres) |
| Lot Dimensions | 131 ft deep x 125 ft wide |
| Garage Area | 538 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 1403 OAK TER |
|---|---|
| City | SAINT JOSEPH |
| State | MI |
| Zip | 49085-9722 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | LD |
| Legal Description | LOT 40 OAK TERRACE NO 2 EXC BEG AT NE COR SD LOT 40 TH S89DEG17'25W 50.83' TH S00DG0E7'00"E 51' TH S89DEG17'25"W 11' TH |
| Legal Subdivision | SD SUB |
| Legal Lot Number | 40A |
| Jurisdiction | BERRIEN MI |
| Township / Civil Division | LINCOLN |
| Census Block Group | 1 |
| Census Block | 1014 |
| Census Tract | 1400 |
Source: Berrien County records · APN 12-5590-0040-03-0
Assessment roll updated June 5, 2026 · Last verified June 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1403 OAK TER, SAINT JOSEPH, MI 49085-9722 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 28, 2023 | Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK |
| Jul 16, 2021 | Warranty Deed, Transfer · Stand-Alone First Mortgage QUICKEN LOANS LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jul 16, 2021 · Amount on Record |
| Deed Sale | Jul 16, 2021 · Amount on Record |
| Prior Sale | Nov 09, 2004 · Amount on Record |
| Deed Book / Page | 3336 / 1228 |
| Prior Transfer Date | Apr 22, 2010 |
| Prior Transfer Doc | 02920/2023 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERRIEN MI |
| Property Address | 1403 OAK TER, SAINT JOSEPH, MI 49085-9722 |
| Transaction Type | Mortgage |
| Record Updated | Dec 26, 2023 |
| Name | Verified Name |
|---|---|
| Address | 1403 OAK TER, SAINT JOSEPH, MI 49085-9722 |
| Document Number | 03416/1560 |
|---|---|
| Date | Nov 28, 2023 |
| Book Page | 3416/1560 |
| Instrument | 2023393646 |
| Name | THE HUNTINGTON NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43231 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 15, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BERRIEN MI |
| Recording Date | Jul 16, 2021 |
| Property Address | 1403 OAK TER, SAINT JOSEPH, MI 49085-9722 |
| Document Number | 03336/1228 |
| Book / Page | 3336 / 1228 |
| Map Reference | LB 23 PG 5 |
| Instrument Date | Jul 07, 2021 |
| Transaction Type | Transfer |
| Record Updated | Nov 09, 2023 |
| Title Company | CHICAGO TITLE/MI, CHICAGO TITLE OF MI INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,354.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1403 OAK TER, SAINT JOSEPH, MI 49085-9722 |
| Name | Verified Name |
|---|---|
| Address | 4889 GREENOOK CT, ANN ARBOR, MI 48103-9497 |
| Document Number | 0033361231 |
|---|---|
| Date | Jul 16, 2021 |
| Instrument | 3336/1231 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 01, 2051 |
Source: Berrien County records · Assessment roll updated June 5, 2026 · Last verified June 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Berrien County |
| County Subdivision | Lincoln Charter Township |
| Unified School District | Lakeshore School District (KG - 12) |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $223,700 (-3.08%) | $447,400 (-3.08%) | |
| 2025 | $5,246.00 (+3.55%) Homeowner's exemption | $230,800 (+26.74%) | $461,600 (+26.74%) |
| 2024 | $5,066.00 (+10.76%) | ||
| 2023 | $182,100 | $364,200 | |
| 2022 | $4,574.00 |
Source: FEMA National Flood Hazard Layer as of September 10, 2024 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 4 in force |
| Nearby Flood Claims | 2 (2007–2017) |
| Most Recent Claim | Oct 2017 · rainfall accumulation |
| Wildfire Risk | Low lower than 97% of the US · lower than 93% of Michigan |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Surf Air Wireless Fiber | 8,000 / 8,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| Mercury Broadband Fixed Wireless | 150 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
| AT&T DSL | 100 / 20 |
Based on FCC filings for 259 locations within half a mile of this property.
5G (outdoors only) and 4G LTE
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | SOUTHWEST MICHIGAN REGIONAL SANITARY SEW serves 26,780 people |
|---|---|
| Water Source | Purchased surface water from ST JOSEPH |
| Last State Inspection | Feb 2025 |
| Lead | 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 last 3 years |
Results are for the whole water system as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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