Berrien County property record for 2054 Gerald St, Benton Harbor, MI 49022 · Last verified July 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,214 sqft · built 1952 |
| Lot Size | 0.231 acres (10,062 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $250,000 (Sep 2025) |
| Tax Bill | $2,034 (2025) |
| Deeds & Mortgages | Sep 2025 Mortgage Sep 2025 Sale & Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 18-2350-0033-00-8 |
| Primary APN | 18-2350-0033-00-8 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Building Area | 1,214 sqft Living Area |
| 1st Floor Area | 1,214 sqft |
| Basement Area | 1,104 sqft |
| Unfinished Basement | 1,104 sqft |
| Year Built | Built 1952 |
|---|---|
| Effective Year Built | Effective 1952 |
| Architectural Style | Raised Ranch |
| Lot Area | 10,062 sqft (0.231 acres) |
| Lot Dimensions | 134 ft deep x 75 ft wide |
| Garage Area | 220 sqft |
| Parking Spaces | 1 Parking Space |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 2054 GERALD ST |
|---|---|
| City | BENTON HARBOR |
| State | MI |
| Zip | 49022-6728 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 33 FRICKE PLAT |
| Legal Subdivision | FRICKE PLAT |
| Legal Lot Number | 33 |
| Legal Unit | 33 |
| Jurisdiction | BERRIEN MI |
| Township / Civil Division | ST. JOSEPH |
| Census Block Group | 3 |
| Census Block | 3029 |
| Census Tract | 700 |
Source: Berrien County records · APN 18-2350-0033-00-8
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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 702 WAYNE ST, 1, SAINT JOSEPH, MI 49085-3353 |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Sep 04, 2025 | Deed of Trust, Mortgage · Conventional Mortgage LAKE MICHIGAN CU |
| Sep 16, 2025 | Warranty Deed, Transfer · Conventional Mortgage LAKE MICHIGAN CU |
| Apr 01, 2024 | Intrafamily Transfer, Transfer |
| Aug 14, 2020 | Warranty Deed, Transfer · Conventional Mortgage CIRCLE FCU |
| Feb 22, 2019 | Personal Representative Deed, Transfer · Conventional Mortgage HONOR CU |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Sep 16, 2025 · Amount on Record |
| Deed Sale | Sep 16, 2025 · Amount on Record |
| Prior Sale | Aug 14, 2020 · Amount on Record |
| Deed Document Number | 2025441786 |
| Deed Book / Page | 3459 / 4454 |
| Prior Transfer Date | Mar 27, 2024 |
| Prior Transfer Doc | 03423/2192 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERRIEN MI |
| Property Address | 2054 GERALD ST, BENTON HARBOR, MI 49022-6728 |
| Transaction Type | Mortgage |
| Record Updated | Sep 29, 2025 |
| Name | Verified Name |
|---|---|
| Address | 702 WAYNE ST 1, 1, SAINT JOSEPH, MI 49085-3353 |
| Document Number | 003459/969 |
|---|---|
| Date | Sep 04, 2025 |
| Book Page | 3459/969 |
| Instrument | 2025440988 |
| Name | LAKE MICHIGAN CU |
|---|---|
| Type | Credit Union |
| Address | GRAND RAPIDS, MI 49546 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 01, 2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BERRIEN MI |
| Recording Date | Sep 16, 2025 |
| Property Address | 2054 GERALD ST, BENTON HARBOR, MI 49022-6728 |
| Document Number | 03459/4454 |
| Book / Page | 3459 / 4454 |
| Map Reference | LB 13 PG 12 |
| Instrument Date | Aug 28, 2025 |
| Instrument | 2025441786 |
| Transaction Type | Transfer |
| Record Updated | Oct 08, 2025 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,875.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2054 GERALD ST, BENTON HARBOR, MI 49022-6728 |
| Name | Verified Name |
|---|---|
| Address | 702 WAYNE ST APT 1, 1, SAINT JOSEPH, MI 49085-3353 |
| Document Number | 0003459969 |
|---|---|
| Date | Sep 16, 2025 |
| Instrument | 3459/969 |
| Name | LAKE MICHIGAN CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 01, 2055 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | BERRIEN MI |
| Recording Date | Apr 01, 2024 |
| Property Address | 2054 GERALD ST, BENTON HARBOR, MI 49022-6728 |
| Document Number | 03423/2192 |
| Book / Page | 3423 / 2192 |
| Map Reference | LB 13 PG 12 |
| Instrument Date | Mar 27, 2024 |
| Instrument | 2024402888 |
| Transaction Type | Transfer |
| Record Updated | Apr 22, 2024 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Living Trust |
| Address | 2054 GERALD ST, BENTON HARBOR, MI 49022-6728 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BERRIEN MI |
| Recording Date | Aug 14, 2020 |
| Property Address | 2054 GERALD ST, BENTON HARBOR, MI 49022-6728 |
| Document Number | 03286/1841 |
| Book / Page | 3286 / 1841 |
| Map Reference | LB 13 PG 12 |
| Instrument Date | Aug 10, 2020 |
| Transaction Type | Transfer |
| Record Updated | Nov 09, 2023 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,290.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2054 GERALD ST, BENTON HARBOR, MI 49022-6728 |
| Document Number | 0032861844 |
|---|---|
| Date | Aug 14, 2020 |
| Instrument | 3286/1844 |
| Name | CIRCLE FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 01, 2050 |
| Document Type | Personal Representative Deed |
|---|---|
| Jurisdiction | BERRIEN MI |
| Recording Date | Feb 22, 2019 |
| Property Address | 2054 GERALD ST, BENTON HARBOR, MI 49022-6728 |
| Document Number | 03229/3271 |
| Book / Page | 3229 / 3271 |
| Map Reference | LB 13 PG 12 |
| Instrument Date | Feb 13, 2019 |
| Transaction Type | Transfer |
| Record Updated | Nov 09, 2023 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,135.20 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3975 RAVINA 1 ERRACE ST, SAINT JOSEPH, MI 49085 |
| Name | Verified Name |
|---|---|
| Address | 1716 NASH DR, SAINT JOSEPH, MI 49085-9420 |
| Document Number | 0032293273 |
|---|---|
| Date | Feb 22, 2019 |
| Instrument | 3229/3273 |
| Name | HONOR CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 67 Months |
| Due | Sep 01, 2024 |
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, not market price estimates; both are a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $88,100 (+7.57%) | $176,200 (+7.57%) | |
| 2025 | $2,034.00 (+3.56%) Homeowner's exemption | $81,900 (+27.17%) | $163,800 (+27.17%) |
| 2024 | $1,964.00 (+10.09%) | ||
| 2023 | $64,400 | $128,800 | |
| 2022 | $1,784.00 |
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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