187 Wayne St, Saint Joseph, MI 49085 Property Records

Berrien County property record for 187 Wayne St, Saint Joseph, MI 49085

Property Summary

Property Type	Condominium
Details	3 bd · 2 ba · 1,413 sqft · built 1988
Lot Size	0.032 acres (1,394 sqft)
Owner	Individual Name on Record
Last Sale	$203,000 (May 2008)
Tax Bill	$6,498 (2025)
Deeds & Mortgages	Oct 2017 Mortgage Apr 2021 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`76-1142-0013-00-1`

Property Details

APN / Parcel Number

Primary APN	`76-1142-0013-00-1`
Alternative APN	`11-76-1142-0013-00-1`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,413 sqft Living Area
1st Floor Area	1,413 sqft
Basement Area	1,413 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Architectural Style	Condo/Apartment
Lot Area	1,394 sqft (0.032 acres)
Garage Area	241 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	187 WAYNE ST, 13
City	SAINT JOSEPH
State	MI
Zip	49085-1133
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	R-3
Legal Description	UNIT 13 CHANNEL BLUFF CONDOMINIUMS SECOND AMENDMENT BLDG NO 2 LIBER 31 PAGE 57
Legal Subdivision	CHANNEL BLUFF CONDO
Legal Unit	13
Jurisdiction	BERRIEN MI
Township / Civil Division	ST. JOSEPH
Census Block Group	1
Census Block	1017
Census Tract	802

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	5924 SCOTT CIR, CLARKSTON, MI 48348-5172
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 27, 2017	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS INC
Apr 5, 2021	Deed of Trust, Mortgage · Conventional Mortgage ALLY BANK
Oct 6, 2009	Deed of Trust, Mortgage · Line of Credit UNITED FCU
Nov 24, 2008	Deed of Trust, Mortgage · Line of Credit UNITED FCU
May 29, 2008	Warranty Deed, Transfer UNITED FCU
Aug 31, 2007	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 29, 2008 · Amount on Record
Deed Sale	May 29, 2008 · Amount on Record
Prior Sale	Nov 18, 1988 · Amount on Record
Deed Book / Page	2844 / 2527
Record Updated	Oct 29, 2026

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	187 WAYNE ST # 13, 13, SAINT JOSEPH, MI 49085-1133
Transaction Type	Mortgage
Record Updated	Jun 5, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	03187/2418
Date	Oct 27, 2017
Book Page	3187/2418
Instrument	3187-2418

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Nov 1, 2032

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	187 WAYNE ST # 13, 13, SAINT JOSEPH, MI 49085-1133
Transaction Type	Mortgage
Record Updated	Jun 5, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	003321/707
Date	Apr 5, 2021
Book Page	3321/707

Lender

Name	ALLY BANK
Type	Bank
Address	CHARLOTTE, NC 28202

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Apr 1, 2036

October 2009: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	187 WAYNE ST # 13, 13, SAINT JOSEPH, MI 49085-1133
Transaction Type	Mortgage
Record Updated	Jun 5, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	02900/0071
Date	Oct 6, 2009
Book Page	2900/0071

Lender

Name	UNITED FCU
Type	Credit Union
Address	SAINT JOSEPH, MI 49085

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Oct 5, 2019

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2008: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	187 WAYNE ST # 13, 13, SAINT JOSEPH, MI 49085-1133
Transaction Type	Mortgage
Record Updated	Jun 5, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	02865/2179
Date	Nov 24, 2008
Book Page	2865/2179

Lender

Name	UNITED FCU
Type	Credit Union
Address	SAINT JOSEPH, MI 49085

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	121 Months
Due	Dec 1, 2018

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2008: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BERRIEN MI
Recording Date	May 29, 2008
Property Address	187 WAYNE ST # 13, 13, SAINT JOSEPH, MI 49085-1133
Document Number	02844/2527
Book / Page	2844 / 2527
Map Reference	LB31 PG1-52
Instrument Date	May 19, 2008
Transaction Type	Transfer
Record Updated	Jun 5, 2026
Title Company	MET

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	823 RIVERVIEW DR, BENTON HARBOR, MI 49022-5023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	187 WAYNE ST # 13, 13, SAINT JOSEPH, MI 49085-1133
Investor	Possibly a Property Investor

Mortgage

Document Number	0028442529
Date	May 29, 2008
Instrument	2844/2529

Lender

Name	UNITED FCU
Type	Credit Union

Agreement

Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2038

August 2007: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BERRIEN MI
Recording Date	Aug 31, 2007
Property Address	187 WAYNE ST # 13, 13, SAINT JOSEPH, MI 49085-1133
Document Number	02808/1267
Book / Page	2808 / 1267
Map Reference	LB31 PG1-52
Instrument Date	Jul 24, 2007
Transaction Type	Transfer
Record Updated	Jun 5, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	18474 PERDIDO BAY TER, LEESBURG, VA 20176-3985

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	777 RIVERVIEW DR STE B, B, BENTON HARBOR, MI 49022-5033

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Michigan
County	Berrien County
Municipality	St. Joseph City
Unified School District	St. Joseph Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$187,800 (+41.2%)	$375,600 (+41.2%)
2025	$6,498.00 (+12.46%)
2023		$133,000	$266,000
2022	$5,778.00

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 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

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	ST JOSEPH serves 7,930 people · EPA ID MI0006310
Water Source	Surface water
Last State Inspection	Jun 2025
Lead	4 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
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 77 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless · Fiber in parts of the area	100 / 20

May also be available: T-Mobile.

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