1428 Main St, Saint Joseph, MI 49085 Property Records

Berrien County property record for 1428 Main St, Saint Joseph, MI 49085 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 2,166 sqft · built 1922
Lot Size	0.16 acres (6,970 sqft)
Owner	Individual Name on File
Last Sale	$350,000 (Jun 2026)
Tax Bill	$4,928 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Sep 2017 Line of Credit + 4 more
Flood Zone	Zone X (minimal risk)
APN	`76-5200-0002-00-1`

Property Details

APN / Parcel Number

Primary APN	`76-5200-0002-00-1`
Alternative APN	`11-76-5200-0002-00-1`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,166 sqft Living Area
1st Floor Area	1,083 sqft
Basement Area	1,083 sqft

Exterior

Year Built	Built 1922
Effective Year Built	Effective 1922
Lot Area	6,970 sqft (0.16 acres)
Lot Dimensions	134 ft deep x 52 ft wide
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	1428 MAIN ST
City	SAINT JOSEPH
State	MI
Zip	49085-1554
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 2 NAPIERS ADD TO THE CITY OF ST JOSEPH EXC THE R/W OF U S 12 HWY
Legal Subdivision	NAPIERS ADD
Legal Lot Number	2
Legal Unit	2
Jurisdiction	BERRIEN MI
Township / Civil Division	ST. JOSEPH
Census Block Group	2
Census Block	2024
Census Tract	801

Owner

Source: Berrien County records · APN 76-5200-0002-00-1

Assessment roll updated June 5, 2026 · Last verified July 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 File
Mailing Address	1428 MAIN ST, SAINT JOSEPH, MI 49085-1554
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	His Wife

Deeds, Mortgages & Sale History

Date	Document
Jun 02, 2026	Warranty Deed, Transfer · Conventional Mortgage UNITED FEDERAL CREDIT UNION
Sep 05, 2017	Deed of Trust, Mortgage · Line of Credit WEST MICHIGAN CU
Oct 31, 2019	Intrafamily Transfer, Transfer
Oct 21, 2019	Intrafamily Transfer, Transfer · Line of Credit WEST MICHIGAN CU
Sep 14, 2017	Intrafamily Transfer, Transfer
Aug 07, 2017	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jun 02, 2026 · Amount on Record
Deed Sale	Jun 02, 2026 · Amount on Record
Prior Sale	Aug 09, 1996
Deed Document Number	2026462252
Deed Book / Page	3478 / 3423
Prior Transfer Date	May 29, 2026
Prior Transfer Doc	0000462252
Record Updated	Sep 20, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BERRIEN MI
Recording Date	Jun 02, 2026
Property Address	1428 MAIN ST, SAINT JOSEPH, MI 49085-1554
Document Number	0000462252
Book / Page	3478 / 3423
Instrument Date	May 29, 2026
Instrument	2026462252
Transaction Type	Transfer
Record Updated	Jun 25, 2026
Title Company	CHICAGO TITLE MERIDIAN, CHICAGO TITLE OF MICHIGAN

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$265,125.00
Amount Accuracy	Calculated from Transfer Tax

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1428 MAIN ST, SAINT JOSEPH, MI 49085-1554

Mortgage

Document Number	0000462253,
Date	Jun 02, 2026
Instrument	2026462253

Lender

Name	UNITED FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jun 01, 2041

Interest

Rate Type	Fixed Rate
Rate	5.65%
Initial Type	Fixed Rate
Max Rate	-1%

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	1428 MAIN ST, SAINT JOSEPH, MI 49085-1554
Transaction Type	Mortgage
Record Updated	Nov 09, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	03182/0956
Date	Sep 05, 2017
Book Page	3182/0956

Lender

Name	WEST MICHIGAN CU
Type	Credit Union
Address	GRAND RAPIDS, MI 49504

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	241 Months
Due	Oct 01, 2037

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BERRIEN MI
Recording Date	Oct 31, 2019
Property Address	1428 MAIN ST, SAINT JOSEPH, MI 49085-1554
Document Number	03254/3085
Book / Page	3254 / 3085
Map Reference	VOL 2 PG 78
Instrument Date	Oct 08, 2019
Transaction Type	Transfer
Record Updated	Nov 09, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1428 MAIN ST, SAINT JOSEPH, MI 49085-1554

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1428 MAIN ST, SAINT JOSEPH, MI 49085-1554

October 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BERRIEN MI
Recording Date	Oct 21, 2019
Property Address	1428 MAIN ST, SAINT JOSEPH, MI 49085-1554
Document Number	03253/1937
Book / Page	3253 / 1937
Map Reference	VOL 2 PG 78
Instrument Date	Oct 08, 2019
Transaction Type	Transfer
Record Updated	Nov 09, 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	1428 MAIN ST, SAINT JOSEPH, MI 49085-1554

Mortgage

Document Number	0032531939
Date	Oct 21, 2019
Instrument	3253/1939

Lender

Name	WEST MICHIGAN CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	242 Months
Due	Dec 01, 2039

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BERRIEN MI
Recording Date	Sep 14, 2017
Property Address	1428 MAIN ST, SAINT JOSEPH, MI 49085-1554
Document Number	03183/0917
Book / Page	3183 / 0917
Map Reference	VOL2 PG78
Instrument Date	Sep 11, 2017
Instrument	3183-0917
Transaction Type	Transfer
Record Updated	Nov 09, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14289 MAIN ST, SAINT JOSEPH, MI 49085

August 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BERRIEN MI
Recording Date	Aug 07, 2017
Property Address	1428 MAIN ST, SAINT JOSEPH, MI 49085-1554
Document Number	03179/2410
Book / Page	3179 / 2410
Map Reference	VOL2 PG78
Instrument Date	Aug 04, 2017
Transaction Type	Transfer
Record Updated	Nov 09, 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	1428 MAIN ST, SAINT JOSEPH, MI 49085-1554

Tax Assessment & Valuation

Source: Berrien County records · Assessment roll updated June 5, 2026 · Last verified July 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$220,800 (-0.18%)	$441,600 (-0.18%)
2025	$4,928.00 (+2.45%) Homeowner's exemption	$221,200 (+17.72%)	$442,400 (+17.72%)
2024	$4,810.00 (+9.27%)
2023		$187,900	$375,800
2022	$4,402.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Berrien County (26021C), updated September 10, 2024 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 474 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
AT&T	Fiber	5,000 / 5,000
Xfinity	Cable	2,000 / 250
Verizon	Fixed Wireless	300 / 20
T-Mobile USA	Fixed Wireless	100 / 20
AT&T	DSL	100 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: AT&T, Mercury Broadband. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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