209 Wayne St, Saint Joseph, MI 49085 Property Records

Berrien County property record for 209 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	$265,000 (Aug 2017)
Tax Bill	$4,862 (2025)
Deeds & Mortgages	Jun 2026 Line of Credit Apr 2024 Line of Credit + 7 more
Flood Zone	Zone X (minimal risk)
APN	`76-1140-0003-00-9`

Property Details

APN / Parcel Number

Primary APN	`76-1140-0003-00-9`
Alternative APN	`11-76-1140-0003-00-9`

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	301 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	209 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 3 CHANNEL BLUFF CONDOMINIUMS BLDG NO 1 LIBER 31 PAGE 1
Legal Subdivision	CHANNEL BLUFF CONDO
Legal Unit	3
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	209 WAYNE ST, SAINT JOSEPH, MI 49085-1134
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 2, 2026	Deed of Trust, Mortgage · Line of Credit UNITED FEDERAL CREDIT UNION
Apr 25, 2024	Deed of Trust, Mortgage · Line of Credit UNITED FCU
Jan 6, 2021	Deed of Trust, Mortgage · Conventional Mortgage HONOR CU
Sep 12, 2019	Deed of Trust, Mortgage · Conventional Mortgage HONOR CU
Jan 4, 2019	Deed of Trust, Mortgage · Conventional Mortgage HONOR CU
Jan 18, 2022	Deed of Trust, Mortgage · Conventional Mortgage UNITED FCU
Apr 21, 2022	Deed of Trust, Mortgage · Line of Credit UNITED FCU
Dec 27, 2022	Deed of Trust, Mortgage · Line of Credit UNITED FCU
Aug 29, 2017	Warranty Deed, Transfer · Conventional Mortgage QUICKEN LOANS INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 29, 2017 · Amount on Record
Deed Sale	Aug 29, 2017 · Amount on Record
Prior Sale	Dec 30, 1998 · Amount on Record
Deed Book / Page	3181 / 2400
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Recording Date	Jun 2, 2026
Property Address	209 WAYNE ST, SAINT JOSEPH, MI 49085-1134
Document Number	0000462235
Book / Page	3478 / 3241
Instrument Date	May 20, 2026
Instrument	2026462235
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	209 WAYNE ST, SAINT JOSEPH, MI 49085-1134

Mortgage

Document Number	0000462235,
Date	Jun 2, 2026
Book Page	3478/3241
Instrument	2026462235

Lender

Name	UNITED FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	May 25, 2036

Interest

Rate	6.23%
Max Rate	-1%

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	209 WAYNE ST, SAINT JOSEPH, MI 49085-1134
Transaction Type	Mortgage
Record Updated	May 17, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	003425/297
Date	Apr 25, 2024
Book Page	3425/297
Instrument	2024404604

Lender

Name	UNITED FCU
Type	Credit Union
Address	SAINT JOSEPH, MI 49085

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Apr 25, 2034

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	209 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	03307/1600
Date	Jan 6, 2021
Book Page	3307/1600

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2051

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	209 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	03249/1267
Date	Sep 12, 2019
Book Page	3249/1267

Lender

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

Agreement

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

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	209 WAYNE ST, SAINT JOSEPH, MI 49085-1134
Transaction Type	Mortgage
Record Updated	Nov 9, 2023
Title Company	NOT AVAILABLE, MICH TRUSTED TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	03226/2246
Date	Jan 4, 2019
Book Page	3226/2246

Lender

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

Agreement

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

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	209 WAYNE ST, SAINT JOSEPH, MI 49085-1134
Transaction Type	Mortgage
Record Updated	Nov 9, 2023
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	209 WAYNE ST, SAINT JOSEPH, MI 49085-1134

Mortgage

Document Number	03360/2636
Date	Jan 18, 2022
Book Page	3360/2636
Instrument	2022340748

Lender

Name	UNITED FCU
Type	Credit Union
Address	SAINT JOSEPH, MI 49085

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	209 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	03371/2137
Date	Apr 21, 2022
Book Page	3371/2137
Instrument	2022350924

Lender

Name	UNITED FCU
Type	Credit Union
Address	SAINT JOSEPH, MI 49085

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	118 Months
Due	Feb 25, 2032

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	209 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	03395/2035
Date	Dec 27, 2022
Book Page	3395/2035
Instrument	2022369952

Lender

Name	UNITED FCU
Type	Credit Union
Address	SAINT JOSEPH, MI 49085

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	119 Months
Due	Nov 25, 2032

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BERRIEN MI
Recording Date	Aug 29, 2017
Property Address	209 WAYNE ST, SAINT JOSEPH, MI 49085-1134
Document Number	03181/2400
Book / Page	3181 / 2400
Map Reference	LB31 PG1
Instrument Date	Aug 25, 2017
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	$2,279.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	209 WAYNE ST, SAINT JOSEPH, MI 49085-1134

Mortgage

Document Number	0031812401
Date	Aug 29, 2017
Instrument	3181/2401

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2047

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		$191,200 (+36.67%)	$382,400 (+36.67%)
2025	$4,862.00 (+11.92%)
2023		$139,900	$279,800
2022	$4,344.00

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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