Berrien County property record for 1504 S State St, Saint Joseph, MI 49085
| Property Type | Commercial |
|---|---|
| Details | 7,874 sqft · built 1972 |
| Lot Size | 0.22 acres (9,583 sqft) |
| Owner | Company Name on File |
| Last Sale | $750,000 (Sep 2020) |
| Tax Bill | $15,601 (2025) |
| Deeds & Mortgages | Feb 2019 Mortgage Sep 2020 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 76-0026-0060-00-5 |
| Primary APN | 76-0026-0060-00-5 |
|---|---|
| Alternative APN |
|
| Units | 6 Units |
|---|---|
| Stories | 2 Stories |
| Building Area | 7,874 sqft Total Area |
| 1st Floor Area | 5,931 sqft |
| Basement Area | 4,061 sqft |
| Year Built | Built 1972 |
|---|---|
| Effective Year Built | Effective 1972 |
| Fire Resistance | Fireproof Steel Frame |
| Lot Area | 9,583 sqft (0.22 acres) |
| Lot Dimensions | 130 ft deep x 198 ft wide |
| Garage Area | 776 sqft |
| Parking Spaces | 3 Parking Spaces |
| Total Buildings | 7 Buildings |
| Heating System | Baseboard |
|---|---|
| Heating Fuel | Electric |
| Street Address | 1504 S STATE ST |
|---|---|
| City | SAINT JOSEPH |
| State | MI |
| Zip | 49085-1576 |
| Property Category | Commercial |
| Property Type | Commercial > Retail |
| Local Zoning Code | R1 - D |
| Legal Description | COM 8' N & 169'W OF NE COR OF UNIV LOT 22 SEC 26 T4S R19W TH W 64' TH S9.5DEGW 8.1' TH W 15.5' TH S 68' TH W 47' TH S 30' TH |
| Legal Range | 19W |
| Legal Township | 04S |
| Legal Section | 26 |
| Legal Lot Number | 22 |
| Legal Unit | 22 |
| Jurisdiction | BERRIEN MI |
| Township / Civil Division | ST. JOSEPH |
| Census Block Group | 1 |
| Census Block | 1053 |
| Census Tract | 802 |
Source: Berrien County records · APN 76-0026-0060-00-5
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 Record | Company Name on File |
|---|---|
| Mailing Address | 1220 M 139, 4, BENTON HARBOR, MI 49022-4006 |
| Owner Type | Company |
| Vesting | Company |
| Date | Document |
|---|---|
| Feb 01, 2019 | Deed of Trust, Mortgage · Commercial Mortgage EDGEWATER BANK |
| Sep 11, 2020 | Warranty Deed, Transfer · Commercial Mortgage UNITED FCU |
| Jun 04, 2018 | Warranty Deed, Transfer CHICAGO TITLE MERIDIAN, CHICAGO TITLE OF MICHIGAN |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Sep 11, 2020 · Amount on Record |
| Deed Sale | Sep 11, 2020 · Amount on Record |
| Prior Sale | Jun 29, 2000 |
| Deed Book / Page | 3290 / 2013 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERRIEN MI |
| Property Address | 1504 S STATE ST, SAINT JOSEPH, MI 49085-1576 |
| Transaction Type | Mortgage |
| Record Updated | Nov 09, 2023 |
| Name | Verified Name |
|---|
| Document Number | 03228/0685 |
|---|---|
| Date | Feb 01, 2019 |
| Book Page | 3228/0685 |
| Name | EDGEWATER BANK |
|---|---|
| Type | Bank |
| Address | SAINT JOSEPH, MI 49085 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BERRIEN MI |
| Recording Date | Sep 11, 2020 |
| Property Address | 1504 S STATE ST, SAINT JOSEPH, MI 49085-1576 |
| Document Number | 03290/2013 |
| Book / Page | 3290 / 2013 |
| Instrument Date | Sep 11, 2020 |
| Transaction Type | Transfer |
| Record Updated | Nov 09, 2023 |
| Title Company | ACCOMMODATION |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $6,450.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1220 M 139 STE 4, 4, BENTON HARBOR, MI 49022-4006 |
| Document Number | 03290/2018 |
|---|---|
| Date | Sep 11, 2020 |
| Book Page | 3290/2018 |
| Name | UNITED FCU |
|---|---|
| Type | Credit Union |
| Address | SAINT JOSEPH, MI 49085 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BERRIEN MI |
| Recording Date | Jun 04, 2018 |
| Property Address | 1504 S STATE ST, SAINT JOSEPH, MI 49085-1576 |
| Document Number | 03207/1549 |
| Book / Page | 3207 / 1549 |
| Map Reference | VOL L PG445 |
| Instrument Date | Jun 01, 2018 |
| Transaction Type | Transfer |
| Record Updated | Nov 09, 2023 |
| Title Company | CHICAGO TITLE MERIDIAN, CHICAGO TITLE OF MICHIGAN |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 19730 NYE RD, GALIEN, MI 49113-9728 |
| Name | Verified Name |
|---|---|
| Address | 4443 DREXEL PL, STEVENSVILLE, MI 49127-9329 |
Source: Berrien County records · Assessment roll updated June 5, 2026 · Last verified June 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Berrien County |
| Municipality | St. Joseph City |
| Unified School District | St. Joseph Public Schools (PK - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $333,100 (+34.8%) | $666,200 (+34.8%) | |
| 2025 | $15,601.00 (+3.52%) | ||
| 2023 | $247,100 | $494,200 | |
| 2022 | $15,070.00 |
Source: FEMA National Flood Hazard Layer as of September 10, 2024 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 2 in force |
| Wildfire Risk | Low lower than 99.1% of the US · lower than 98.4% of Michigan |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
May also be available: Mercury Broadband.
Based on FCC filings for 474 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | ST JOSEPH serves 7,930 people |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jun 2025 |
| Lead | 4 ppb (2026) action level 15 ppb |
| 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 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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