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197 Wayne St, Saint Joseph, MI 49085 Property Records

Berrien County property record for 197 Wayne St, Saint Joseph, MI 49085

Property Summary

Property TypeCondominium
Details2 ba · 1,413 sqft · built 1988
Lot Size0.032 acres (1,394 sqft)
OwnerIndividual Name on Record
Last Sale$365,000 (Aug 2026)
Tax Bill$5,694 (2025)
Deeds & MortgagesAug 2026 Sale
Mar 2020 Mortgage
Flood ZoneZone X (minimal risk)
APN76-1142-0016-00-0

Property Details

APN / Parcel Number

Primary APN76-1142-0016-00-0
Alternative APN
  • 11-76-1142-0016-00-0

Interior

Full Baths2 Baths
Stories1 Story
Building Area1,413 sqft Living Area
1st Floor Area1,413 sqft
Basement Area1,413 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1988
Effective Year BuiltEffective 1988
Architectural StyleCondo/Apartment
Lot Area1,394 sqft (0.032 acres)
Garage Area241 sqft
Parking Spaces1 Parking Space

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C

Location & Zoning

Street Address197 WAYNE ST
CitySAINT JOSEPH
StateMI
Zip49085-1133
Property CategoryResidential
Property TypeResidential > Condominium / Townhouse > Condominium
Local Zoning CodeR-3
Legal DescriptionUNIT 16 CHANNEL BLUFF CONDOMINIUMS SECOND AMENDMENT BLDG NO 2 LIBER 31 PAGE 57
Legal SubdivisionCHANNEL BLUFF CONDO
Legal Unit16
JurisdictionBERRIEN MI
Township / Civil DivisionST. JOSEPH
Census Block Group1
Census Block1017
Census Tract802

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 RecordIndividual Name on Record
Mailing Address197 WAYNE ST, SAINT JOSEPH, MI 49085-1133
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Aug 27, 2026Warranty Deed, Transfer
CHICAGO TITLE W, CHICAGO TITLE OF MICHIGAN
Mar 30, 2020Warranty Deed, Transfer · Conventional Mortgage
QUICKEN LOANS INC

Assessor's Deed Record

Deed NamesName on Deed
Last SaleAug 27, 2026 · Amount on Record
Deed SaleAug 27, 2026 · Amount on Record
Prior SaleApr 29, 2013
Deed Document Number2026469039
Deed Book / Page3486 / 52
Prior Transfer DateApr 16, 2013
Prior Transfer Doc03034/3332
Record UpdatedOct 29, 2026

August 2026: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBERRIEN MI
Recording DateAug 27, 2026
Property Address197 WAYNE ST, SAINT JOSEPH, MI 49085-1133
Document Number0000469039
Book / Page3486 / 52
Instrument DateAug 26, 2026
Instrument2026469039
Transaction TypeTransfer
Record UpdatedSep 21, 2026
Title CompanyCHICAGO TITLE W, CHICAGO TITLE OF MICHIGAN

Transaction

AmountAmount Recorded
Tax$276,487.50
Amount AccuracyCalculated from Transfer Tax
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address197 WAYNE ST, SAINT JOSEPH, MI 49085-1133

March 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBERRIEN MI
Recording DateMar 30, 2020
Property Address197 WAYNE ST, SAINT JOSEPH, MI 49085-1133
Document Number03269/3331
Book / Page3269 / 3331
Map ReferenceLB 31 PG 1
Instrument DateMar 23, 2020
Transaction TypeTransfer
Record UpdatedNov 9, 2023
Title CompanyFIRST AMERICAN TITLE

Transaction

Tax$0.00
Amount AccuracyTransfer Tax Exempt
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address187 WAYNE ST, SAINT JOSEPH, MI 49085-1133

Transferred To (Grantee/Buyer)

NameVerified Name
Address197 WAYNE ST, SAINT JOSEPH, MI 49085-1133

Mortgage

Document Number0032692899
DateMar 30, 2020
Instrument3269/2899
Lender
NameQUICKEN LOANS INC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueApr 1, 2050

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateMichigan
CountyBerrien County
MunicipalitySt. Joseph City
Unified School DistrictSt. Joseph Public Schools (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$193,200 (-5.76%)$386,400 (-5.76%)
2025$5,694.00 (+2.45%) Homeowner's exemption$205,000 (+45.49%)$410,000 (+45.49%)
2024$5,558.00 (+9.26%)
2023$140,900$281,800
2022$5,087.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective September 10, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies2 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 RiskLow
lower than 99.1% of the US · lower than 98.4% of Michigan
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
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 SystemST JOSEPH
serves 7,930 people · EPA ID MI0006310
Water SourceSurface water
Last State InspectionJun 2025
Lead4 ppb (2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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

ProviderMax 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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