1409 Wolcott Ave, Saint Joseph, MI 49085 Property Records

Berrien County property record for 1409 Wolcott Ave, Saint Joseph, MI 49085

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,107 sqft · built 1956
Lot Size	0.3 acres (13,068 sqft)
Owner	Individual Name on Record
Last Sale	$415,000 (Feb 2020)
Tax Bill	$6,701 (2025)
Deeds & Mortgages	May 2020 Mortgage Feb 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`76-6840-0018-00-8`

Property Details

APN / Parcel Number

Primary APN	`76-6840-0018-00-8`
Alternative APN	`11-76-6840-0018-00-8`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Building Area	2,107 sqft Living Area
1st Floor Area	1,204 sqft
Basement Area	1,204 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1956
Lot Area	13,068 sqft (0.3 acres)
Lot Dimensions	145 ft deep x 90 ft wide
Garage Area	396 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1409 WOLCOTT AVE
City	SAINT JOSEPH
State	MI
Zip	49085-1760
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1 - A
Legal Description	ENTIRE LOT 18 THE E 10'OF LOT 17 & THE W 10'OF LOT 19 RIVER RIDGE ADD TO THE CITY ST JOSEPH
Legal Subdivision	RIDGE ADD
Legal Lot Number	17-19
Jurisdiction	BERRIEN MI
Township / Civil Division	ST. JOSEPH
Census Block Group	1
Census Block	1007
Census Tract	1000

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	1409 WOLCOTT AVE, SAINT JOSEPH, MI 49085-1760
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 28, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED FCU
Feb 11, 2020	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 11, 2020 · Amount on Record
Deed Sale	Feb 11, 2020 · Amount on Record
Prior Sale	Feb 11, 2020 · Amount on Record
Deed Book / Page	3264 / 2384
Record Updated	Oct 29, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	1409 WOLCOTT AVE, SAINT JOSEPH, MI 49085-1760
Transaction Type	Mortgage
Record Updated	Nov 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	03276/1954
Date	May 28, 2020
Book Page	3276/1954

Lender

Name	UNITED FCU
Type	Credit Union
Address	SAINT JOSEPH, MI 49085

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2050

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BERRIEN MI
Recording Date	Feb 11, 2020
Property Address	1409 WOLCOTT AVE, SAINT JOSEPH, MI 49085-1760
Document Number	03264/2384
Book / Page	3264 / 2384
Map Reference	VOL 11 PG 26
Instrument Date	Feb 10, 2020
Transaction Type	Transfer
Record Updated	Nov 9, 2023
Title Company	MTC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,569.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1409 WOLCOTT AVE, SAINT JOSEPH, MI 49085-1760

Mortgage

Document Number	0032642387
Date	Feb 11, 2020
Instrument	3264/2387

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2050

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		$180,500 (+17.06%)	$361,000 (+17.06%)
2025	$6,701.00 (+5.88%)
2023		$154,200	$308,400
2022	$6,329.00

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.

Flood

Source: FEMA National Flood Hazard Layer, effective September 10, 2024

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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	Low lower than 96% of the US · lower than 91% 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	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 557 locations within half a mile, as of December 31, 2025

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

May also be available: Mercury Fiber.

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