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1463 Oak Ter, Saint Joseph, MI 49085 Property Records

Berrien County property record for 1463 Oak Ter, Saint Joseph, MI 49085

Property Summary

Property TypeSingle Family Home
Details4 bd · 2.5 ba · 2,272 sqft · built 1977
Lot Size0.305 acres (13,286 sqft)
OwnerIndividual Name on File
Last Sale$267,000 (Apr 2018)
Tax Bill$29 (2025)
Deeds & MortgagesJun 2020 Mortgage
Aug 2019 Mortgage
+ 2 more
Flood ZoneZone X (minimal risk)
APN12-5590-0037-00-4

Property Details

APN / Parcel Number

Primary APN12-5590-0037-00-4
Alternative APN
  • 11-12-5590-0037-00-4

Interior

Bedrooms4 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Stories2 Stories
Building Area2,272 sqft Living Area
1st Floor Area1,297 sqft
Basement Area1,297 sqft
Unfinished Basement1,297 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1977
Effective Year BuiltEffective 1977
Lot Area13,286 sqft (0.305 acres)
Lot Dimensions133 ft deep x 100 ft wide
Garage Area546 sqft
Parking Spaces2 Parking Spaces

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C

Location & Zoning

Street Address1463 OAK TER
CitySAINT JOSEPH
StateMI
Zip49085-9722
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeLD
Legal DescriptionLOT 37 OAK TERRACE NO 2
Legal SubdivisionOAK TERRACE #2
Legal Lot Number37
Legal Unit37
JurisdictionBERRIEN MI
Township / Civil DivisionLINCOLN
Census Block Group1
Census Block1014
Census Tract1400

Owner

Source: Berrien County records · APN 12-5590-0037-00-4

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 RecordIndividual Name on File
Mailing Address1463 OAK TER, SAINT JOSEPH, MI 49085-9722
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jun 08, 2020Deed of Trust, Mortgage · VA Mortgage
CLEARPATH LENDING
Aug 20, 2019Deed of Trust, Mortgage · VA Mortgage
CLEARPATH LENDING
May 21, 2021Deed of Trust, Mortgage · VA Mortgage
CLEARPATH LENDING
Apr 11, 2018Warranty Deed, Transfer · VA Mortgage
UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleApr 11, 2018 · Amount on Record
Deed SaleApr 11, 2018 · Amount on Record
Prior SaleJul 26, 2011 · Amount on Record
Deed Book / Page3202 / 1545
Record UpdatedSep 20, 2026

June 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionBERRIEN MI
Property Address1463 OAK TER, SAINT JOSEPH, MI 49085-9722
Transaction TypeMortgage
Record UpdatedNov 09, 2023

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number03277/2606
DateJun 08, 2020
Book Page3277/2606
Lender
NameCLEARPATH LENDING
TypeLending Institution
AddressIRVINE, CA 92618
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term360 Months
DueJun 01, 2050

August 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionBERRIEN MI
Property Address1463 OAK TER, SAINT JOSEPH, MI 49085-9722
Transaction TypeMortgage
Record UpdatedNov 09, 2023

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number03246/3180
DateAug 20, 2019
Book Page3246/3180
Lender
NameCLEARPATH LENDING
TypeLending Institution
AddressIRVINE, CA 92618
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term361 Months
DueSep 01, 2049

May 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionBERRIEN MI
Property Address1463 OAK TER, SAINT JOSEPH, MI 49085-9722
Transaction TypeMortgage
Record UpdatedNov 09, 2023

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number003328/820
DateMay 21, 2021
Book Page3328/820
Lender
NameCLEARPATH LENDING
TypeLending Institution
AddressIRVINE, CA 92618
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term359 Months
DueApr 01, 2051

April 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBERRIEN MI
Recording DateApr 11, 2018
Property Address1463 OAK TER, SAINT JOSEPH, MI 49085-9722
Document Number03202/1545
Book / Page3202 / 1545
Map ReferenceLB23 PG5
Instrument DateApr 06, 2018
Transaction TypeTransfer
Record UpdatedNov 09, 2023
Title CompanyCHICAGO TITLE MERIDIAN, CHICAGO TITLE OF MICHIGAN IN

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$2,210.20
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address1463 OAK TER, SAINT JOSEPH, MI 49085-9722

Transferred To (Grantee/Buyer)

NameVerified Name
Address1463 OAL TER, SAINT JOSEPH, MI 49085-9722

Mortgage

Document Number0032021547
DateApr 11, 2018
Instrument3202/1547
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term361 Months
DueMay 01, 2048

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateMichigan
CountyBerrien County
County SubdivisionLincoln Charter Township
Unified School DistrictLakeshore School District (KG - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2026$193,600 (+29.85%)$387,200 (+29.85%)
2025$29.00 (+45%)
2023$149,100$298,200
2022$20.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Berrien County (26021C), as of September 10, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 260210014001, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies4 in force
Nearby Flood Claims2 (2007–2017)
Most Recent ClaimOct 2017 · rainfall accumulation

Wildfire

Wildfire RiskLow
lower than 97% of the US · lower than 93% of Michigan
Wildfire LikelihoodUnder 0.01% annual chance
ExposureDirect
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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

ProviderMax 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.

Cell Coverage

5G (outdoors only) and 4G LTE

Drinking Water

Source: EPA Safe Drinking Water Information System, water system MI0003726, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water SystemSOUTHWEST MICHIGAN REGIONAL SANITARY SEW
serves 26,780 people
Water SourcePurchased surface water from ST JOSEPH
Last State InspectionFeb 2025
Lead1 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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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