190 Mariners Cv, Saint Joseph, MI 49085 Property Records

Berrien County property record for 190 Mariners Cv, Saint Joseph, MI 49085

Property Summary

Property Type	Condominium
Details	2 bd · 3 ba · 1,790 sqft · built 2020
Lot Size	0.038 acres (1,655 sqft)
Owner	Individual Name on File
Last Sale	$439,687 (Nov 2021)
Deeds & Mortgages	Feb 2025 Mortgage Jul 2024 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`76-2983-0012-00-0`

Property Details

APN / Parcel Number

Primary APN	`76-2983-0012-00-0`
Alternative APN	`11-76-2983-0012-00-0`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Building Area	1,790 sqft Living Area
1st Floor Area	910 sqft

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Architectural Style	Condo/Apartment
Lot Area	1,655 sqft (0.038 acres)
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	190 MARINERS CV
City	SAINT JOSEPH
State	MI
Zip	49085-1580
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	W-425
Legal Description	CONDO AMENDED ON 05/28/2020 FROM 76-2983-0099-00-0; UNIT 12 HARBOR VILLAGE AT HARBOR SHORES TOWNHOMES CONDOMINIUM LIBER 0301 PAGE 0180 CONDITIONAL TRANSFER OF PROPERTY PURSUANT TO ACT 425 PF 1984 BETWEEN THE CITIES OF ST. JOSEPH AND BENTON HARBOR SEE
Legal Unit	12
Jurisdiction	BERRIEN MI
Township / Civil Division	BENTON HARBOR
Census Block Group	1
Census Block	1030
Census Tract	801

Owner

190 Mariners Cv, a condominium, is owned and occupied by an individual who bought it in November 2021.

Source: Berrien County records, as of October 8, 2026

Owner of Record	Individual Name on File
Mailing Address	190 MARINERS CV, SAINT JOSEPH, MI 49085-1580
Occupancy	Owner Occupied
Owner Type	Individual

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 20, 2025	Deed of Trust, Mortgage · Conventional Mortgage HONOR CU
Jul 26, 2024	Intrafamily Transfer, Transfer
May 6, 2024	Warranty Deed, Transfer · Conventional Mortgage OAK MORTGAGE LLC
Nov 9, 2021	Warranty Deed, Transfer · Conventional Mortgage OAK MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 9, 2021 · Amount on File
Deed Sale	Nov 9, 2021 · Amount on File
Deed Document Number	2021334435
Deed Book / Page	3352 / 1671
Record Updated	Oct 29, 2026

February 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	190 MARINERS CV, SAINT JOSEPH, MI 49085-1580
Transaction Type	Mortgage
Record Updated	Jun 5, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	190 MARINERS CV, SAINT JOSEPH, MI 49085-1580

Mortgage

Document Number	03444/2252
Date	Feb 20, 2025
Book Page	3444/2252
Instrument	2025424330

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	67 Months
Due	Sep 1, 2030

July 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BERRIEN MI
Recording Date	Jul 26, 2024
Property Address	190 MARINERS CV, SAINT JOSEPH, MI 49085-1580
Document Number	03430/3697
Book / Page	3430 / 3697
Map Reference	LB 301 PG 1
Instrument Date	Jul 26, 2024
Instrument	2024410590
Transaction Type	Transfer
Record Updated	Jun 5, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	190 MARINERS COVE, BENTON HARBOR, MI 49022

May 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BERRIEN MI
Recording Date	May 6, 2024
Property Address	190 MARINERS CV, SAINT JOSEPH, MI 49085-1580
Document Number	03425/3518
Book / Page	3425 / 3518
Map Reference	LB 301 PG 1
Instrument Date	May 1, 2024
Instrument	2024405392
Transaction Type	Transfer
Record Updated	Jun 5, 2026
Title Company	CHICAGO TITLE MERIDIAN, CHICAGO TITLE OF MI INC

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name
Address	190 MARINERS CV # 12, 12, SAINT JOSEPH, MI 49085-1580

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4150 COTTAGE PATH, STEVENSVILLE, MI 49127-9372

Mortgage

Document Number	2024405393
Date	May 6, 2024
Instrument	2024405393

Lender

Name	OAK MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	May 1, 2044

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BERRIEN MI
Recording Date	Nov 9, 2021
Property Address	190 MARINERS CV, SAINT JOSEPH, MI 49085-1580
Document Number	03352/1671
Book / Page	3352 / 1671
Map Reference	LB 301 PG 1
Instrument Date	Oct 21, 2021
Transaction Type	Transfer
Record Updated	Jun 5, 2026
Title Company	CHICAGO TITLE MERIDIAN, CHICAGO TITLE OF MI INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,784.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2050 CELADON DR NE, GRAND RAPIDS, MI 49525-3916

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	190 MARINERS CV, SAINT JOSEPH, MI 49085-1580

Mortgage

Document Number	0033521395
Date	Nov 9, 2021
Instrument	3352/1395

Lender

Name	OAK MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2051

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	Assessed Value	Assessed Market Value
2026	$356,600	$713,200

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 190 Mariners Cv 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
Flood Insurance Cost	Premium on File median of 11 policies
Nearby Flood Policies	11 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

The area around 190 Mariners Cv has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within 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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