1505 Oak Ter, Saint Joseph, MI 49085 Property Records

Berrien County property record for 1505 Oak Ter, Saint Joseph, MI 49085

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,211 sqft · built 1974
Lot Size	0.31 acres (13,504 sqft)
Owner	2 Individual Names on Record
Last Sale	$168,000 (Jun 2007)
Tax Bill	$2,786 (2025)
Deeds & Mortgages	Sep 2017 Mortgage Jul 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`12-5580-0001-00-2`

Property Details

APN / Parcel Number

Primary APN	`12-5580-0001-00-2`
Alternative APN	`11-12-5580-0001-00-2`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,211 sqft Living Area
1st Floor Area	1,246 sqft
Basement Area	1,120 sqft
Unfinished Basement	1,120 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Lot Area	13,504 sqft (0.31 acres)
Lot Dimensions	135 ft deep x 100 ft wide
Garage Area	620 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1505 OAK TER
City	SAINT JOSEPH
State	MI
Zip	49085-9781
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	LD
Legal Description	LOT 1 OAK TERRACE
Legal Subdivision	OAK TERRACE
Legal Lot Number	1
Legal Unit	1
Jurisdiction	BERRIEN MI
Township / Civil Division	LINCOLN
Census Block Group	1
Census Block	1014
Census Tract	1400

Owner

Source: Berrien County records, as of June 5, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	1505 OAK TER, SAINT JOSEPH, MI 49085-9781
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 18, 2017	Deed of Trust, Mortgage · Conventional Mortgage HONOR CU
Jul 3, 2017	Deed of Trust, Mortgage · Line of Credit FLAGSTAR BANK FSB

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 27, 2007 · Amount on Record
Deed Sale	Jun 27, 2007 · Amount on Record
Prior Sale	Jul 17, 2006 · Amount on Record
Deed Book / Page	2797 / 2605
Prior Transfer Date	Aug 26, 2003
Prior Transfer Doc	2432000649
Record Updated	Sep 20, 2026

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	1505 OAK TER, SAINT JOSEPH, MI 49085-9781
Transaction Type	Mortgage
Record Updated	Nov 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	03183/1978
Date	Sep 18, 2017
Book Page	3183/1978
Instrument	3183-1978

Lender

Name	HONOR CU
Type	Credit Union
Address	BERRIEN SPRINGS, MI 49103

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Oct 1, 2032

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	1505 OAK TER, SAINT JOSEPH, MI 49085-9781
Transaction Type	Mortgage
Record Updated	Nov 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	03176/2201
Date	Jul 3, 2017
Book Page	3176/2201

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Jun 10, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Berrien County assessment roll, as of June 5, 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		$171,600 (+43.24%)	$343,200 (+43.24%)
2025	$2,786.00 (+14.56%)
2023		$119,800	$239,600
2022	$2,432.00

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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