Berrien County property record for 1588 Oak Ter, Saint Joseph, MI 49085
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,421 sqft · built 1973 |
| Lot Size | 1.01 acres (44,301 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $320,000 (Dec 2023) |
| Tax Bill | $5,368 (2025) |
| Deeds & Mortgages | Dec 2023 Sale & Mortgage Jul 2023 Sale |
| Flood Zone | Zone X (moderate risk) |
| APN | 12-5580-0014-00-7 |
| Primary APN | 12-5580-0014-00-7 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,421 sqft Living Area |
| 1st Floor Area | 1,404 sqft |
| Basement Area | 1,017 sqft |
| Unfinished Basement | 1,017 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1973 |
|---|---|
| Effective Year Built | Effective 1973 |
| Lot Area | 44,301 sqft (1.01 acres) |
| Lot Dimensions | 426 ft deep x 104 ft wide |
| Garage Area | 565 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 1588 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 | LOT 14 OAK TERRACE |
| Legal Subdivision | OAK TERRACE |
| Legal Lot Number | 14 |
| Legal Unit | 14 |
| Jurisdiction | BERRIEN MI |
| Township / Civil Division | LINCOLN |
| Census Block Group | 1 |
| Census Block | 1014 |
| Census Tract | 1400 |
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 | 1588 OAK TER, SAINT JOSEPH, MI 49085-9780 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 28, 2023 | Warranty Deed, Transfer · Conventional Mortgage UNION HOME MORTGAGE CORP |
| Jul 14, 2023 | Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 28, 2023 · Amount on Record |
| Deed Sale | Dec 28, 2023 · Amount on Record |
| Prior Sale | Nov 28, 2001 |
| Deed Document Number | 2023395363 |
| Deed Book / Page | 3418 / 710 |
| Prior Transfer Date | Oct 17, 2011 |
| Prior Transfer Doc | 02973/2861 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BERRIEN MI |
| Recording Date | Dec 28, 2023 |
| Property Address | 1588 OAK TER, SAINT JOSEPH, MI 49085-9780 |
| Document Number | 003418/710 |
| Book / Page | 3418 / 710 |
| Map Reference | LB 21 PG 38 |
| Instrument Date | Dec 4, 2023 |
| Instrument | 2023395363 |
| Transaction Type | Transfer |
| Record Updated | Jan 17, 2024 |
| Title Company | CHICAGO TITLE/MI, CHICAGO TITLE OF MI INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,400.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 449 CHIPPEWA CIR, SUMTER, SC 29150-3131 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 442 S PAGE ST, MARENGO, IL 60152-3326 |
| Document Number | 2023395364 |
|---|---|
| Date | Dec 28, 2023 |
| Instrument | 2023395364 |
| Name | UNION HOME MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2054 |
| Document Type | Deed |
|---|---|
| Jurisdiction | BERRIEN MI |
| Recording Date | Jul 14, 2023 |
| Property Address | 1588 OAK TER, SAINT JOSEPH, MI 49085-9780 |
| Document Number | 03407/4412 |
| Book / Page | 3407 / 4412 |
| Instrument Date | Jun 15, 2023 |
| Instrument | 2023384731 |
| Transaction Type | Transfer |
| Record Updated | Nov 9, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2712 NILES AVE, SAINT JOSEPH, MI 49085-2414 |
| Name | Verified Name |
|---|---|
| Address | 449 CHIPPEWA CIR, SUMTER, SC 29150-3131 |
Source: Berrien County assessment roll, as of September 28, 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 | $215,200 (+2.23%) | $430,400 (+2.23%) | |
| 2025 | $5,368.00 (+3.59%) Homeowner's exemption | $210,500 (+28.51%) | $421,000 (+28.51%) |
| 2024 | $5,182.00 (+62.85%) | ||
| 2023 | $163,800 (+7.91%) | $327,600 (+7.91%) | |
| 2022 | $3,182.00 (+3.35%) Homeowner's exemption | $151,800 | $303,600 |
| 2021 | $3,079.00 |
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 moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Nearest Special Flood Hazard Area | Zone AE, within 100 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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures