178 Seneca Rd, Benton Harbor, MI 49022 Property Records

Berrien County property record for 178 Seneca Rd, Benton Harbor, MI 49022

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 556 sqft · built 1939
Lot Size	0.36 acres (15,682 sqft)
Owner	Company Name on File
Last Sale	$75,520 (Feb 2026)
Tax Bill	$1,276 (2025)
Deeds & Mortgages	Feb 2026 Foreclosure Jan 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`18-0125-0029-04-9`

Property Details

APN / Parcel Number

Primary APN	`18-0125-0029-04-9`
Alternative APN	`11-18-0125-0029-04-9`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Building Area	556 sqft Living Area
1st Floor Area	556 sqft
Basement Area	120 sqft
Unfinished Basement	120 sqft

Exterior

Year Built	Built 1939
Effective Year Built	Effective 1939
Architectural Style	Cape Cod
Lot Area	15,682 sqft (0.36 acres)
Lot Dimensions	159 ft deep x 100 ft wide
Garage Area	504 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Baseboard
Heating Fuel	Electric

Location & Zoning

Street Address	178 SENECA RD
City	BENTON HARBOR
State	MI
Zip	49022-5635
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2 - SINGL
Legal Description	COM 318.78' S & 532.8' MOL (REC AS 533') W OF E QTR POST OF SEC 25 T4S R19W TH W 50' TH S 318.78' TH E 50' TH N 318.78' TO BEG
Legal Range	19W
Legal Township	04S
Legal Section	25
Jurisdiction	BERRIEN MI
Township / Civil Division	ST. JOSEPH
Census Block Group	1
Census Block	1015
Census Tract	700

Owner

178 Seneca Rd is owned by a company that bought it in February 2026.

Source: Berrien County records, as of September 28, 2026

Owner of Record	Company Name on File
Mailing Address	3637 SENTARA WAY, VIRGINIA BEACH, VA 23452-4262
Owner Type	Company
Vesting	Company

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Feb 13, 2026	Sheriff's Deed, Foreclosure
Jan 11, 2021	Deed of Trust, Mortgage · Conventional Mortgage THUMB BANK & TRUST
Dec 21, 2022	Warranty Deed, Transfer · FHA Mortgage MORTGAGE 1 INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 13, 2026 · Amount on File
Deed Sale	Feb 13, 2026 · Amount on File
Prior Sale	Dec 21, 2022 · Amount on File
Deed Document Number	2026451823
Deed Book / Page	3470 / 1090
Prior Transfer Date	Jan 30, 2026
Prior Transfer Doc	03470/1090
Record Updated	Oct 29, 2026

February 2026: Sheriff's Deed, Foreclosure

Document Type	Sheriff's Deed
Jurisdiction	BERRIEN MI
Recording Date	Feb 13, 2026
Property Address	178 SENECA RD, BENTON HARBOR, MI 49022-5635
Document Number	03470/1090
Book / Page	3470 / 1090
Instrument Date	Jan 30, 2026
Instrument	2026451823
Transaction Type	Foreclosure
Record Updated	Mar 6, 2026

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3637 SENTARA WAY, VIRGINIA BEACH, VA 23452-4262

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	178 SENECA RD, BENTON HARBOR, MI 49022-5635
Transaction Type	Mortgage
Record Updated	Nov 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	03308/1707
Date	Jan 11, 2021
Book Page	3308/1707

Lender

Name	THUMB BANK & TRUST
Type	Bank
Address	PIGEON, MI 48755

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Jan 1, 2031

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BERRIEN MI
Recording Date	Dec 21, 2022
Property Address	178 SENECA RD, BENTON HARBOR, MI 49022-5635
Document Number	03395/1611
Book / Page	3395 / 1611
Instrument Date	Dec 16, 2022
Instrument	2022369873
Transaction Type	Transfer
Record Updated	Nov 9, 2023
Title Company	CHICAGO TITLE OF MI INC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$742.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	178 SENECA RD, BENTON HARBOR, MI 49022-5635

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9587 RED ARROW HWY APT 216, 216, BRIDGMAN, MI 49106-9536

Mortgage

Document Number	0033951614
Date	Dec 21, 2022
Instrument	3395-1614

Lender

Name	MORTGAGE 1 INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2053

Mortgage

Document Number	03395/1624
Date	Dec 21, 2022
Book Page	3395/1624
Instrument	2022369875

Lender

Name	MICHIGAN STATE HOUSING DEV AUTHORITY
Type	Government Agency
Address	LANSING, MI 48912

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 178 Seneca Rd was $1,276, up 77.5% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$49,900 (+2.25%)	$99,800 (+2.25%)
2025	$1,276.00 (+77.47%) Homeowner's exemption	$48,800	$97,600
2024	$719.00
2023		$22,700	$45,400
2022	$622.00

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.

Flood

FEMA maps place 178 Seneca Rd in Zone X, an area of minimal flood risk.

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	9 in force

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

Wildfire risk around 178 Seneca Rd is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 98.4% of Michigan
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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 407 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Xfinity Cable	2,000 / 250
Starlink Satellite	280 / 30

May also be available: Verizon.

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