Berrien County property record for 1518 Oak Ter, Saint Joseph, MI 49085
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,989 sqft · built 1973 |
| Lot Size | 0.719 acres (31,320 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $386,000 (Oct 2024) |
| Tax Bill | $5,023 (2025) |
| Deeds & Mortgages | Feb 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 12-5580-0018-01-0 |
| Primary APN | 12-5580-0018-01-0 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,989 sqft Living Area |
| 1st Floor Area | 1,989 sqft |
| Basement Area | 1,612 sqft |
| Unfinished Basement | 1,612 sqft |
| Year Built | Built 1973 |
|---|---|
| Effective Year Built | Effective 1973 |
| Architectural Style | Raised Ranch |
| Lot Area | 31,320 sqft (0.719 acres) |
| Lot Dimensions | 219 ft deep x 143 ft wide |
| Garage Area | 578 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 1518 OAK TER |
|---|---|
| City | SAINT JOSEPH |
| State | MI |
| Zip | 49085-9780 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | LD |
| Legal Description | SPLIT/COMBINED ON 09/28/2017 FROM 12-5580-0019-00-9, 12-5580-0018-00-2; LOTS 18 & 19 OAK TERRACE |
| Legal Subdivision | OAK TERRACE |
| Legal Lot Number | 18-19 |
| Jurisdiction | BERRIEN MI |
| Township / Civil Division | LINCOLN |
| Census Block Group | 1 |
| Census Block | 1014 |
| Census Tract | 1400 |
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 | 1518 OAK TER, SAINT JOSEPH, MI 49085-9780 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 29, 2024 · Amount on Record |
| Deed Sale | Oct 29, 2024 · Amount on Record |
| Deed Document Number | 2024417199 |
| Deed Book / Page | 3437 / 2581 |
| Prior Transfer Date | Oct 9, 2009 |
| Prior Transfer Doc | 02900/2044 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERRIEN MI |
| Property Address | 1518 OAK TER, SAINT JOSEPH, MI 49085-9780 |
| Transaction Type | Mortgage |
| Record Updated | Nov 9, 2023 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 03313/2749 |
|---|---|
| Date | Feb 17, 2021 |
| Book Page | 3313/2749 |
| Name | FIFTH THIRD BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45227 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 1, 2051 |
Source: Berrien County assessment roll, as of June 5, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Berrien County |
| County Subdivision | Lincoln Charter Township |
| Unified School District | Lakeshore School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $212,000 (+15.53%) | $424,000 (+15.53%) | |
| 2025 | $5,023.00 (+42.01%) Homeowner's exemption | $183,500 (+33.26%) | $367,000 (+33.26%) |
| 2024 | $3,537.00 (+10.57%) | ||
| 2023 | $137,700 | $275,400 | |
| 2022 | $3,199.00 |
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.
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.
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.
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 |
| 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.
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 |
5G (outdoors only) and 4G LTE
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