Berrien County property record for 1908 Elm Ter, Benton Harbor, MI 49022
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 2,316 sqft · built 1955 |
| Lot Size | 0.34 acres (14,810 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $200,000 (Jun 2024) |
| Tax Bill | $2,980 (2025) |
| Deeds & Mortgages | Aug 2018 Mortgage Aug 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 18-2880-0006-00-4 |
| Primary APN | 18-2880-0006-00-4 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 2,316 sqft Living Area |
| 1st Floor Area | 1,794 sqft |
| Basement Area | 1,794 sqft |
| Unfinished Basement | 1,794 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1955 |
|---|---|
| Effective Year Built | Effective 1955 |
| Architectural Style | Raised Ranch |
| Lot Area | 14,810 sqft (0.34 acres) |
| Lot Dimensions | 157 ft deep x 94 ft wide |
| Garage Area | 660 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 1908 ELM TER |
|---|---|
| City | BENTON HARBOR |
| State | MI |
| Zip | 49022-7128 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 - SINGL |
| Legal Description | LOT 6 GOLF VIEW HEIGHTS |
| Legal Subdivision | GOLF VIEW HEIGHTS |
| Legal Lot Number | 6 |
| Legal Unit | 6 |
| Jurisdiction | BERRIEN MI |
| Township / Civil Division | ST. JOSEPH |
| Census Block Group | 3 |
| Census Block | 3005 |
| Census Tract | 700 |
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 | 1908 ELM TER, BENTON HARBOR, MI 49022-7128 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 27, 2018 | Deed of Trust, Mortgage · FHA Mortgage LOANDEPOT.COM LLC |
| Aug 7, 2020 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Apr 16, 2021 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 3, 2024 · Amount on Record |
| Deed Sale | Jun 3, 2024 · Amount on Record |
| Prior Sale | Mar 16, 1995 |
| Deed Document Number | 2024406928 |
| Deed Book / Page | 3427 / 1231 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERRIEN MI |
| Property Address | 1908 ELM TER, BENTON HARBOR, MI 49022-7128 |
| Transaction Type | Mortgage |
| Record Updated | Nov 9, 2023 |
| Name | Verified Name |
|---|
| Document Number | 03215/1126 |
|---|---|
| Date | Aug 27, 2018 |
| Book Page | 3215/1126 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERRIEN MI |
| Property Address | 1908 ELM TER, BENTON HARBOR, MI 49022-7128 |
| Transaction Type | Mortgage |
| Record Updated | Nov 9, 2023 |
| Title Company | INSPIRE CLOSING SERVICES LLC |
| Name | Verified Name |
|---|
| Document Number | 03285/2028 |
|---|---|
| Date | Aug 7, 2020 |
| Book Page | 3285/2028 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERRIEN MI |
| Property Address | 1908 ELM TER, BENTON HARBOR, MI 49022-7128 |
| Transaction Type | Mortgage |
| Record Updated | Nov 9, 2023 |
| Title Company | CAPITAL TITLE |
| Name | Verified Name |
|---|
| Document Number | 003323/984 |
|---|---|
| Date | Apr 16, 2021 |
| Book Page | 3323/984 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2051 |
Source: Berrien County assessment roll, as of September 28, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Berrien County |
| County Subdivision | St. Joseph Charter Township |
| Unified School District | Benton Harbor Area Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $103,700 (-9.59%) | $207,400 (-9.59%) | |
| 2025 | $2,980.00 (+41.23%) | ||
| 2023 | $114,700 | $229,400 | |
| 2022 | $2,110.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 1 in force |
| Nearby Flood Claims | 1 (2018) |
| Most Recent Claim | Feb 2018 · river or lake flooding |
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: FCC Broadband Data Collection, based on 108 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
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