203 Wayne St, Saint Joseph, MI 49085 Property Records

Berrien County property record for 203 Wayne St, Saint Joseph, MI 49085

Property Summary

Property Type	Condominium
Details	3 bd · 2 ba · 1,413 sqft · built 1988
Lot Size	0.032 acres (1,394 sqft)
Owner	2 Individual Names on Record
Last Sale	$248,000 (May 2019)
Tax Bill	$5,334 (2025)
Deeds & Mortgages	Aug 2018 Mortgage Mar 2018 Second Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`76-1140-0005-00-1`

Property Details

APN / Parcel Number

Primary APN	`76-1140-0005-00-1`
Alternative APN	`11-76-1140-0005-00-1`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,413 sqft Living Area
1st Floor Area	1,413 sqft
Basement Area	1,413 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Architectural Style	Condo/Apartment
Lot Area	1,394 sqft (0.032 acres)
Garage Area	301 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	203 WAYNE ST
City	SAINT JOSEPH
State	MI
Zip	49085-1134
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	R-3
Legal Description	UNIT 5 CHANNEL BLUFF CONDOMINIUMS BLDG NO 1 LIBER 31 PAGE 1
Legal Subdivision	CHANNEL BLUFF CONDO
Legal Unit	5
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	2 Individual Names on Record
Mailing Address	5818 COPPER BEECH BLVD, KALAMAZOO, MI 49009-5732
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Date	Document
Aug 13, 2018	Deed of Trust, Mortgage CP FCU
Mar 5, 2018	Deed of Trust, Mortgage · Stand-Alone Second Mortgage HONOR CU
Jun 17, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD BANK NA
May 20, 2019	Warranty Deed, Transfer · Conventional Mortgage FIFTH THIRD BANK
Aug 9, 2017	Warranty Deed, Transfer FIRST AMERICAN TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 20, 2019 · Amount on Record
Deed Sale	May 20, 2019 · Amount on Record
Prior Sale	May 20, 2019 · Amount on Record
Deed Book / Page	3237 / 3384
Last Transfer Date	Jul 8, 2025
Transfer Doc	03455/2737
Record Updated	Oct 29, 2026

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	203 WAYNE ST, SAINT JOSEPH, MI 49085-1134
Transaction Type	Mortgage
Record Updated	Nov 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	03214/0206
Date	Aug 13, 2018
Book Page	3214/0206

Lender

Name	CP FCU
Type	Credit Union
Address	JACKSON, MI 49202

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Aug 1, 2033

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	203 WAYNE ST, SAINT JOSEPH, MI 49085-1134
Transaction Type	Mortgage
Record Updated	Nov 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	03198/2784
Date	Mar 5, 2018
Book Page	3198/2784

Lender

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

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	82 Months
Due	Jan 22, 2025

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	203 WAYNE ST, SAINT JOSEPH, MI 49085-1134
Transaction Type	Mortgage
Record Updated	Nov 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	03278/2618
Date	Jun 17, 2020
Book Page	3278/2618

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	CINCINNATI, OH 45227

Agreement

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

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BERRIEN MI
Recording Date	May 20, 2019
Property Address	203 WAYNE ST, SAINT JOSEPH, MI 49085-1134
Document Number	03237/3384
Book / Page	3237 / 3384
Map Reference	LB 31 PG 1
Instrument Date	May 13, 2019
Transaction Type	Transfer
Record Updated	Nov 9, 2023
Title Company	CHICAGO TITLE/MI, CHICAGO TITLE OF MI INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,132.80
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	203 WAYNE ST, SAINT JOSEPH, MI 49085-1134

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	203 WAYNE ST, SAINT JOSEPH, MI 49085-1134
Investor	Possibly a Property Investor

Mortgage

Document Number	0032373386
Date	May 20, 2019
Instrument	3237/3386

Lender

Name	FIFTH THIRD BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2049

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BERRIEN MI
Recording Date	Aug 9, 2017
Property Address	203 WAYNE ST, SAINT JOSEPH, MI 49085-1134
Document Number	03180/0154
Book / Page	3180 / 0154
Map Reference	LB31 PG1
Instrument Date	Jul 28, 2017
Transaction Type	Transfer
Record Updated	Nov 9, 2023
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Tax	$1,591.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	203 WAYNE ST, SAINT JOSEPH, MI 49085-1134

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		$189,400 (+39.68%)	$378,800 (+39.68%)
2025	$5,334.00 (+11.94%)
2023		$135,600	$271,200
2022	$4,765.00

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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