1519 Oak Ter, Saint Joseph, MI 49085 Property Records

Berrien County property record for 1519 Oak Ter, Saint Joseph, MI 49085

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,468 sqft · built 1972
Lot Size	0.31 acres (13,504 sqft)
Owner	2 Individual Names on Record
Last Sale	$177,500 (Nov 2017)
Tax Bill	$2,746 (2025)
Deeds & Mortgages	Nov 2020 Mortgage Jul 2018 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`12-5580-0002-00-9`

Property Details

APN / Parcel Number

Primary APN	`12-5580-0002-00-9`
Alternative APN	`11-12-5580-0002-00-9`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,468 sqft Living Area
1st Floor Area	1,468 sqft
Basement Area	1,189 sqft
Unfinished Basement	1,189 sqft

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Architectural Style	Raised Ranch
Lot Area	13,504 sqft (0.31 acres)
Lot Dimensions	135 ft deep x 100 ft wide
Garage Area	513 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1519 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 2 OAK TERRACE
Legal Subdivision	OAK TERRACE
Legal Lot Number	2
Legal Unit	2
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	1519 OAK TER, SAINT JOSEPH, MI 49085-9781
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Nov 12, 2020	Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE LLC
Jul 30, 2018	Intrafamily Transfer, Transfer
Nov 3, 2017	Warranty Deed, Transfer · FHA Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 3, 2017 · Amount on Record
Deed Sale	Nov 3, 2017 · Amount on Record
Prior Sale	Nov 3, 2017 · Amount on Record
Deed Book / Page	3188 / 1906
Transfer Doc	03212/2604
Record Updated	Sep 20, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	1519 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	03299/2823
Date	Nov 12, 2020
Book Page	3299/2823

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2050

July 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BERRIEN MI
Recording Date	Jul 30, 2018
Property Address	1519 OAK TER, SAINT JOSEPH, MI 49085-9781
Document Number	03212/2604
Book / Page	3212 / 2604
Map Reference	VOL21 PG38
Instrument Date	Jul 22, 2018
Transaction Type	Transfer
Record Updated	Nov 9, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1519 OAK TER, SAINT JOSEPH, MI 49085-9781

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Living Trust
Address	1519 OAK TER, SAINT JOSEPH, MI 49085-9781

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BERRIEN MI
Recording Date	Nov 3, 2017
Property Address	1519 OAK TER, SAINT JOSEPH, MI 49085-9781
Document Number	03188/1906
Book / Page	3188 / 1906
Map Reference	VOL21 PG38
Instrument Date	Nov 3, 2017
Transaction Type	Transfer
Record Updated	Nov 9, 2023
Title Company	ESSENTIAL TITLE AGENCY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,526.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1519 OAK TER, SAINT JOSEPH, MI 49085-9781

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7355 STEINBAUER RD, NILES, MI 49120-9080

Mortgage

Document Number	0031881908
Date	Nov 3, 2017
Instrument	3188/1908

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2047

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		$135,200 (+7.05%)	$270,400 (+7.05%)
2025	$2,746.00 (+3.58%) Homeowner's exemption	$126,300 (+22.74%)	$252,600 (+22.74%)
2024	$2,651.00 (+10.6%)
2023		$102,900	$205,800
2022	$2,397.00

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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