1447 Oak Ter, Saint Joseph, MI 49085 Property Records

Berrien County property record for 1447 Oak Ter, Saint Joseph, MI 49085

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,434 sqft · built 1978
Lot Size	0.303 acres (13,199 sqft)
Owner	Individual Name on Record
Last Sale	$147,000 (May 1990)
Tax Bill	$3,706 (2025)
Deeds & Mortgages	Mar 2024 Mortgage Jan 2019 Transfer
Flood Zone	Zone X (minimal risk)
APN	`12-5590-0038-00-1`

Property Details

APN / Parcel Number

Primary APN	`12-5590-0038-00-1`
Alternative APN	`11-12-5590-0038-00-1`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,434 sqft Living Area
1st Floor Area	1,368 sqft
Basement Area	1,066 sqft
Unfinished Basement	1,066 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Lot Area	13,199 sqft (0.303 acres)
Lot Dimensions	132 ft deep x 100 ft wide
Garage Area	625 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1447 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 38 OAK TERRACE NO 2
Legal Subdivision	OAK TERRACE NO 2
Legal Lot Number	38
Legal Unit	38
Jurisdiction	BERRIEN MI
Township / Civil Division	LINCOLN
Census Block Group	1
Census Block	1014
Census Tract	1400

Owner

Source: Berrien County records, as of October 7, 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	1447 OAK TER, SAINT JOSEPH, MI 49085-9722
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Mar 20, 2024	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Jan 16, 2019	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 4, 1990 · Amount on Record
Deed Sale	May 4, 1990 · Amount on Record
Prior Sale	Aug 24, 1979
Deed Book / Page	1418 / 212
Transfer Doc	03227/1395
Record Updated	Oct 29, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	1447 OAK TER, SAINT JOSEPH, MI 49085-9722
Transaction Type	Mortgage
Record Updated	Apr 18, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1447 OAK TER, SAINT JOSEPH, MI 49085-9722

Mortgage

Document Number	03422/3954
Date	Mar 20, 2024
Book Page	3422/3954
Instrument	2024402144

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Apr 1, 2034

January 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BERRIEN MI
Recording Date	Jan 16, 2019
Property Address	1447 OAK TER, SAINT JOSEPH, MI 49085-9722
Document Number	03227/1395
Book / Page	3227 / 1395
Instrument Date	Jan 9, 2019
Transaction Type	Transfer
Record Updated	Nov 9, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1447 OAK TER, SAINT JOSEPH, MI 49085-9722

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	1447 OAK TER, SAINT JOSEPH, MI 49085-9722

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Michigan
County	Berrien County
County Subdivision	Lincoln Charter Township
Unified School District	Lakeshore School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$191,300 (+0.63%)	$382,600 (+0.63%)
2025	$3,706.00 (+3.58%) Homeowner's exemption	$190,100 (+30.12%)	$380,200 (+30.12%)
2024	$3,578.00 (+10.81%)
2023		$146,100	$292,200
2022	$3,229.00

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 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

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 Risk	Low lower than 97% of the US · lower than 93% of Michigan
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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	SOUTHWEST MICHIGAN REGIONAL SANITARY SEW serves 26,780 people · EPA ID MI0003726
Water Source	Purchased surface water from ST JOSEPH
Last State Inspection	Feb 2025
Lead	1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

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

Provider	Max Down / Up (Mbps)
Surf Internet Fiber	8,000 / 8,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
Mercury Fiber Fixed Wireless	150 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T DSL	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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