1864 E Ogden Cir, Benton Harbor, MI 49022 Property Records

Berrien County property record for 1864 E Ogden Cir, Benton Harbor, MI 49022

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,116 sqft · built 1954
Lot Size	0.23 acres (10,019 sqft)
Owner	Individual Name on Record
Last Sale	$175,000 (May 2022)
Tax Bill	$3,556 (2025)
Deeds & Mortgages	Jan 2022 Line of Credit May 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-5300-0033-00-1`

Property Details

APN / Parcel Number

Primary APN	`03-5300-0033-00-1`
Alternative APN	`11-03-5300-0033-00-1`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Building Area	1,116 sqft Living Area
1st Floor Area	1,116 sqft
Basement Area	1,116 sqft
Unfinished Basement	1,116 sqft

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1954
Architectural Style	Raised Ranch
Lot Area	10,019 sqft (0.23 acres)
Lot Dimensions	132 ft deep x 76 ft wide
Garage Area	352 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1864 E OGDEN CIR
City	BENTON HARBOR
State	MI
Zip	49022-6541
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A2 SING FA
Legal Description	LOT 33 NAPIER OGDEN SUBDN
Legal Subdivision	NAPIER OGDEN SUB
Legal Lot Number	33
Legal Unit	33
Jurisdiction	BERRIEN MI
Township / Civil Division	BENTON
Census Block Group	3
Census Block	3012
Census Tract	2000

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	1864 E OGDEN CIR, BENTON HARBOR, MI 49022-6541
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 13, 2022	Deed of Trust, Mortgage · Line of Credit HONOR CU
May 3, 2022	Warranty Deed, Transfer · Conventional Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 3, 2022 · Amount on Record
Deed Sale	May 3, 2022 · Amount on Record
Prior Sale	Dec 7, 2012 · Amount on Record
Deed Document Number	2022352008
Deed Book / Page	3372 / 2994
Prior Transfer Date	Sep 15, 2011
Prior Transfer Doc	02971/3029
Record Updated	Oct 29, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	1864 E OGDEN CIR, BENTON HARBOR, MI 49022-6541
Transaction Type	Mortgage
Record Updated	Nov 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1864 E OGDEN CIR, BENTON HARBOR, MI 49022-6541

Mortgage

Document Number	03360/1576
Date	Jan 13, 2022
Book Page	3360/1576
Instrument	2022340428

Lender

Name	HONOR CU
Type	Credit Union
Address	BERRIEN SPRINGS, MI 49103

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Jan 12, 2042

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BERRIEN MI
Recording Date	May 3, 2022
Property Address	1864 E OGDEN CIR, BENTON HARBOR, MI 49022-6541
Document Number	03372/2994
Book / Page	3372 / 2994
Map Reference	LB 13 PG 21
Instrument Date	Apr 27, 2022
Instrument	2022352008
Transaction Type	Transfer
Record Updated	Nov 9, 2023
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,312.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1864 E OGDEN CIR, BENTON HARBOR, MI 49022-6541
Investor	Possibly a Property Investor

Mortgage

Document Number	0033722995
Date	May 3, 2022
Instrument	3372-2995

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2052

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		$97,400 (+18.78%)	$194,800 (+18.78%)
2025	$3,556.00 (+142.56%)
2023		$82,000	$164,000
2022	$1,466.00

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

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 94% of the US · lower than 85% 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	BENTON HARBOR serves 9,103 people · EPA ID MI0000600
Water Source	Surface water
Last State Inspection	Jan 2025
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Treatment failure resolved · Sep 2021 Failure to filter resolved · May 2021
Treatment and Procedure	Organic carbon removal Apr 2026 Treatment change without state approval Sep 2021 Lead public education Aug 2021
Monitoring and Reporting	None 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 120 locations within half a mile, as of December 31, 2025

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

May also be available: AT&T, Mercury Fiber, T-Mobile, Verizon.

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