Berrien County property record for 196 Lormar Ave, Benton Harbor, MI 49022 · Last verified July 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,002 sqft · built 1948 |
| Lot Size | 0.276 acres (12,023 sqft) |
| Owner | Individual Name on File |
| Last Sale | $73,000 (Feb 2002) |
| Tax Bill | $1,364 (2025) |
| Deeds & Mortgages | Jul 2026 Mortgage Aug 2018 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 18-2230-0016-00-5 |
| Primary APN | 18-2230-0016-00-5 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Building Area | 1,002 sqft Living Area |
| 1st Floor Area | 1,002 sqft |
| Basement Area | 1,002 sqft |
| Unfinished Basement | 1,002 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1948 |
|---|---|
| Effective Year Built | Effective 1948 |
| Architectural Style | Raised Ranch |
| Lot Area | 12,023 sqft (0.276 acres) |
| Lot Dimensions | 172 ft deep x 70 ft wide |
| Garage Area | 280 sqft |
| Parking Spaces | 1 Parking Space |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 196 LORMAR AVE |
|---|---|
| City | BENTON HARBOR |
| State | MI |
| Zip | 49022-6754 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 5 BLOCK 2 FAIRPLAIN GARDENS |
| Legal Subdivision | FAIRPLAIN GARDENS |
| Legal Block | 2 |
| Legal Lot Number | 5 |
| Legal Unit | 5 |
| Jurisdiction | BERRIEN MI |
| Township / Civil Division | ST. JOSEPH |
| Census Block Group | 3 |
| Census Block | 3025 |
| Census Tract | 700 |
Source: Berrien County records · APN 18-2230-0016-00-5
Assessment roll updated June 5, 2026 · Last verified July 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 File |
|---|---|
| Mailing Address | 196 LORMAR AVE, BENTON HARBOR, MI 49022-6754 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 01, 2026 | Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC |
| Aug 28, 2018 | Deed of Trust, Mortgage · Line of Credit HONOR CU |
| Aug 07, 2017 | Deed of Trust, Mortgage QUICKEN LOANS INC |
| Jun 29, 2018 | Deed of Trust, Mortgage · Line of Credit HONOR CU |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Feb 25, 2002 · Amount on Record |
| Deed Sale | Feb 25, 2002 · Amount on Record |
| Prior Sale | Apr 19, 2001 · Amount on Record |
| Deed Book / Page | 2263 / 2154 |
| Last Transfer Date | Dec 27, 2011 |
| Transfer Doc | 02979/0615 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERRIEN MI |
| Recording Date | Jul 01, 2026 |
| Property Address | 196 LORMAR AVE, BENTON HARBOR, MI 49022-6754 |
| Document Number | 0000464683 |
| Book / Page | 3481 / 1417 |
| Instrument Date | Jun 26, 2026 |
| Instrument | 2026464683 |
| Transaction Type | Mortgage |
| Record Updated | Jul 21, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 196 LORMAR AVE, BENTON HARBOR, MI 49022-6754 |
| Document Number | 0000464683, |
|---|---|
| Date | Jul 01, 2026 |
| Book Page | 3481/1417 |
| Instrument | 2026464683 |
| Name | ROCKET MORTGAGE LLC |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jul 01, 2041 |
| Rate | 5.87% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERRIEN MI |
| Property Address | 196 LORMAR AVE, BENTON HARBOR, MI 49022-6754 |
| Transaction Type | Mortgage |
| Record Updated | Nov 09, 2023 |
| Name | Verified Name |
|---|
| Document Number | 03215/1622 |
|---|---|
| Date | Aug 28, 2018 |
| Book Page | 3215/1622 |
| Name | HONOR CU |
|---|---|
| Type | Credit Union |
| Address | BENTON HARBOR, MI 49022 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Aug 12, 2038 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERRIEN MI |
| Property Address | 196 LORMAR AVE, BENTON HARBOR, MI 49022-6754 |
| Transaction Type | Mortgage |
| Record Updated | Nov 09, 2023 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Name | Verified Name |
|---|
| Document Number | 03179/2121 |
|---|---|
| Date | Aug 07, 2017 |
| Book Page | 3179/2121 |
| Name | QUICKEN LOANS INC |
|---|---|
| Type | Lending Institution |
| Address | DETROIT, MI 48226 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Aug 01, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERRIEN MI |
| Property Address | 196 LORMAR AVE, BENTON HARBOR, MI 49022-6754 |
| Transaction Type | Mortgage |
| Record Updated | Nov 09, 2023 |
| Name | Verified Name |
|---|
| Document Number | 03210/0406 |
|---|---|
| Date | Jun 29, 2018 |
| Book Page | 3210/0406 |
| Name | HONOR CU |
|---|---|
| Type | Credit Union |
| Address | BERRIEN SPRINGS, MI 49103 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Jun 12, 2038 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Berrien County records · Assessment roll updated June 5, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Berrien County |
| County Subdivision | St. Joseph Charter Township |
| Unified School District | Benton Harbor Area Schools (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $72,900 (+3.7%) | $145,800 (+3.7%) | |
| 2025 | $1,364.00 (+20.18%) Homeowner's exemption | $70,300 (+60.87%) | $140,600 (+60.87%) |
| 2024 | $1,135.00 (+9.87%) | ||
| 2023 | $43,700 | $87,400 | |
| 2022 | $1,033.00 |
Source: FEMA National Flood Hazard Layer, Berrien County (26021C), updated September 10, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 260210007003, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 1 (2018) |
| Most Recent Claim | Feb 2018, river or lake flooding |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
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: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 438 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Xfinity | Cable | 2,000 / 250 |
| Verizon | Fixed Wireless | 300 / 20 |
| AT&T | DSL | 100 / 20 |
May also be available at this address: AT&T. Availability varies by address; speeds are provider-advertised maximums, not measured.
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