191 Wayne St, Saint Joseph, MI 49085 Property Records

Berrien County property record for 191 Wayne St, Saint Joseph, MI 49085

Property Summary

Property Type	Condominium
Details	3 bd · 2 ba · 1,468 sqft · built 1988
Lot Size	0.034 acres (1,481 sqft)
Owner	Individual Name on Record
Last Sale	$239,900 (Dec 2019)
Tax Bill	$5,585 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Feb 2023 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`76-1142-0010-00-1`

Property Details

APN / Parcel Number

Primary APN	`76-1142-0010-00-1`
Alternative APN	`11-76-1142-0010-00-1`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,468 sqft Living Area
1st Floor Area	1,468 sqft
Basement Area	1,468 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Architectural Style	Condo/Apartment
Lot Area	1,481 sqft (0.034 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	191 WAYNE ST
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 10 CHANNEL BLUFF CONDOMINIUMS SECOND AMENDMENT BLDG NO 2 LIBER 31 PAGE 57
Legal Subdivision	CHANNEL BLUFF CONDO
Legal Unit	10
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 are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	191 WAYNE ST, SAINT JOSEPH, MI 49085-1133
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 15, 2021	Deed of Trust, Mortgage · Conventional Mortgage OAK MORTGAGE LLC
Feb 3, 2023	Intrafamily Transfer, Transfer CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO
Dec 9, 2019	Personal Representative Deed, Transfer · Conventional Mortgage CITIBANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 9, 2019 · Amount on Record
Deed Sale	Dec 9, 2019 · Amount on Record
Prior Sale	Oct 25, 1990 · Amount on Record
Deed Book / Page	3258 / 3266
Last Transfer Date	Feb 3, 2023
Transfer Doc	03397/3537
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	191 WAYNE ST, SAINT JOSEPH, MI 49085-1133
Transaction Type	Mortgage
Record Updated	Nov 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1841 S CALUMET AVE 1203, 1203, CHICAGO, IL 60616-4812

Mortgage

Document Number	03348/3120
Date	Oct 15, 2021
Book Page	3348/3120

Lender

Name	OAK MORTGAGE LLC
Type	Mortgage Company
Address	STURGIS, MI 49091

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Nov 1, 2031

February 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BERRIEN MI
Recording Date	Feb 3, 2023
Property Address	191 WAYNE ST, SAINT JOSEPH, MI 49085-1133
Document Number	03397/3537
Book / Page	3397 / 3537
Map Reference	LB 31 PG 1
Instrument Date	Jan 31, 2023
Instrument	2023372263
Transaction Type	Transfer
Record Updated	Nov 9, 2023
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1841 S CALUMET AVE APT 1203, 1203, CHICAGO, IL 60616-4812

December 2019: Personal Representative Deed, Transfer

Document Type	Personal Representative Deed
Jurisdiction	BERRIEN MI
Recording Date	Dec 9, 2019
Property Address	191 WAYNE ST, SAINT JOSEPH, MI 49085-1133
Document Number	03258/3266
Book / Page	3258 / 3266
Map Reference	LB 31 PG 1
Instrument Date	Dec 3, 2019
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	$2,064.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	919 ARGYLE AVE, FLOSSMOOR, IL 60422-1207

Mortgage

Document Number	0032582622
Date	Dec 9, 2019
Instrument	3258/2622

Lender

Name	CITIBANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jan 1, 2035

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		$189,800 (-11.52%)	$379,600 (-11.52%)
2025	$5,585.00 (-29.35%)	$214,500 (+49.37%)	$429,000 (+49.37%)
2024	$7,905.00 (+9.56%)
2023		$143,600	$287,200
2022	$7,215.00

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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