1474 Oak Ter, Saint Joseph, MI 49085 Property Records

Berrien County property record for 1474 Oak Ter, Saint Joseph, MI 49085

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,150 sqft · built 1977
Lot Size	0.491 acres (21,388 sqft)
Owner	Individual Name on Record
Last Sale	$316,000 (Mar 2024)
Tax Bill	$4,168 (2025)
Deeds & Mortgages	Mar 2024 Sale & Mortgage Mar 2017 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`12-5590-0034-00-5`

Property Details

APN / Parcel Number

Primary APN	`12-5590-0034-00-5`
Alternative APN	`11-12-5590-0034-00-5`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Building Area	2,150 sqft Living Area
1st Floor Area	1,075 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Architectural Style	Bi-Level
Lot Area	21,388 sqft (0.491 acres)
Lot Dimensions	214 ft deep x 100 ft wide
Garage Area	550 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1474 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 34 OAK TERRACE NO 2
Legal Subdivision	OAK TERRACE
Legal Lot Number	34
Legal Unit	34
Jurisdiction	BERRIEN MI
Township / Civil Division	LINCOLN
Census Block Group	1
Census Block	1018
Census Tract	1400

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	1474 OAK TER, SAINT JOSEPH, MI 49085-9722
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 4, 2024	Warranty Deed, Transfer · Conventional Mortgage UNION HOME MORTGAGE CORP
Mar 7, 2017	Deed of Trust, Mortgage · Line of Credit UNITED FCU
Sep 28, 2022	Deed of Trust, Mortgage · Line of Credit CONNEXUS CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 4, 2024 · Amount on Record
Deed Sale	Mar 4, 2024 · Amount on Record
Prior Sale	Jul 17, 2001 · Amount on Record
Deed Document Number	2024399149
Deed Book / Page	3421 / 2587
Record Updated	Oct 29, 2026

March 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BERRIEN MI
Recording Date	Mar 4, 2024
Property Address	1474 OAK TER, SAINT JOSEPH, MI 49085-9722
Document Number	03421/2587
Book / Page	3421 / 2587
Map Reference	LB 32 PG 5
Instrument Date	Feb 29, 2024
Instrument	2024399149
Transaction Type	Transfer
Record Updated	Mar 22, 2024
Title Company	CHICAGO TITLE/MI, CHICAGO TITLE OF MI INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,370.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1474 OAK TER, SAINT JOSEPH, MI 49085-9722

Mortgage

Document Number	2024399150
Date	Mar 4, 2024
Instrument	2024399150

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2054

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	1474 OAK TER, SAINT JOSEPH, MI 49085-9722
Transaction Type	Mortgage
Record Updated	Nov 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	03165/0072
Date	Mar 7, 2017
Book Page	3165/0072

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Mar 24, 2027

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	1474 OAK TER, SAINT JOSEPH, MI 49085-9722
Transaction Type	Mortgage
Record Updated	Nov 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	03387/1111
Date	Sep 28, 2022
Book Page	3387/1111
Instrument	2022363580

Lender

Name	CONNEXUS CU
Type	Credit Union
Address	WAUSAU, WI 54402

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	178 Months
Due	Jul 25, 2037

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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		$155,300 (+63.82%)	$310,600 (+63.82%)
2025	$4,168.00 (+76.61%)
2023		$94,800	$189,600
2022	$2,360.00

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

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
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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