1551 Kay Dr, Benton Harbor, MI 49022 Property Records

Berrien County property record for 1551 Kay Dr, Benton Harbor, MI 49022

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,092 sqft · built 1964
Lot Size	0.231 acres (10,062 sqft)
Owner	Individual Name on Record
Last Sale	$100,000 (Apr 2023)
Tax Bill	$1,291 (2025)
Deeds & Mortgages	Nov 2023 Line of Credit Nov 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`03-6790-0049-00-1`

Property Details

APN / Parcel Number

Primary APN	`03-6790-0049-00-1`
Alternative APN	`11-03-6790-0049-00-1`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Building Area	1,092 sqft Living Area
1st Floor Area	1,092 sqft
Basement Area	1,092 sqft
Unfinished Basement	1,092 sqft

Exterior

Year Built	Built 1964
Effective Year Built	Effective 1964
Architectural Style	Raised Ranch
Lot Area	10,062 sqft (0.231 acres)
Lot Dimensions	132 ft deep x 76 ft wide
Garage Area	351 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	1551 KAY DR
City	BENTON HARBOR
State	MI
Zip	49022-9254
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A2 SING FA
Legal Description	LOT 49 REIMERS SUBDN NO 1
Legal Subdivision	REIMERS SUB
Legal Lot Number	49
Legal Unit	49
Jurisdiction	BERRIEN MI
Township / Civil Division	BENTON
Census Block Group	1
Census Block	1029
Census Tract	2500

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	1551 KAY DR, BENTON HARBOR, MI 49022-9254
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 2, 2023	Deed of Trust, Mortgage · Line of Credit CHAD PALMER ETUX
Nov 9, 2020	Deed of Trust, Mortgage · Conventional Mortgage RUOFF MORTGAGE COMPANY INC
Apr 19, 2023	Warranty Deed, Transfer · FHA Mortgage ARK-LA-TEX FINANCE SERVICES LLC
Apr 19, 2023	Intrafamily Transfer, Transfer MICHIGAN TITLE INSURANCE AGENCY INC, MICHIGAN TITLE INS AGCY INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 19, 2023 · Amount on Record
Deed Sale	Apr 19, 2023 · Amount on Record
Prior Sale	Mar 12, 2014 · Amount on Record
Deed Document Number	2023379030
Deed Book / Page	3402 / 2643
Record Updated	Oct 29, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	1551 KAY DR, BENTON HARBOR, MI 49022-9254
Transaction Type	Mortgage
Record Updated	Nov 20, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	003415/747
Date	Nov 2, 2023
Book Page	3415/747
Instrument	2023392201

Lender

Name	CHAD PALMER ETUX
Type	Private Party
Address	BENTON HARBOR, MI 49022

Agreement

Type	Line of Credit

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	1551 KAY DR, BENTON HARBOR, MI 49022-9254
Transaction Type	Mortgage
Record Updated	Nov 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	03299/1452
Date	Nov 9, 2020
Book Page	3299/1452

Lender

Name	RUOFF MORTGAGE COMPANY INC
Type	Mortgage Company
Address	FORT WAYNE, IN 46804

Agreement

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

April 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BERRIEN MI
Recording Date	Apr 19, 2023
Property Address	1551 KAY DR, BENTON HARBOR, MI 49022-9254
Document Number	03402/2643
Book / Page	3402 / 2643
Map Reference	LB 18 PG 5
Instrument Date	Apr 18, 2023
Instrument	2023379030
Transaction Type	Transfer
Record Updated	Nov 9, 2023
Title Company	MICHIGAN TITLE INSURANCE AGENCY INC, MICHIGAN TITLE INS AGCY INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	37540 W RED ARROW HWY, PAW PAW, MI 49079-9383

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1551 KAY DR, BENTON HARBOR, MI 49022-9254

Mortgage

Document Number	2023379031
Date	Apr 19, 2023
Instrument	2023379031

Lender

Name	ARK-LA-TEX FINANCE SERVICES LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2053

April 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BERRIEN MI
Recording Date	Apr 19, 2023
Property Address	1551 KAY DR, BENTON HARBOR, MI 49022-9254
Document Number	03402/2652
Book / Page	3402 / 2652
Map Reference	LB 18 PG 5
Instrument Date	Apr 18, 2023
Instrument	2023379032
Transaction Type	Transfer
Record Updated	Nov 9, 2023
Title Company	MICHIGAN TITLE INSURANCE AGENCY INC, MICHIGAN TITLE INS AGCY INC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1551 KAY DR, BENTON HARBOR, MI 49022-9254

Tax Assessment & Valuation

Source: Berrien County assessment roll, as of September 28, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Berrien County
County Subdivision	Benton Charter Township
Unified School District	Benton Harbor Area Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$71,100 (-3.4%)	$142,200 (-3.4%)
2025	$1,291.00 (+3.53%) Homeowner's exemption	$73,600 (+22.46%)	$147,200 (+22.46%)
2024	$1,247.00 (+11.14%)
2023		$60,100	$120,200
2022	$1,122.00

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 80% of the US · above 51% of Michigan
Wildfire Likelihood	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 24 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

Cell Coverage

5G (outdoors only) and 4G LTE

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