Berrien County property record for 210 Ridgeway St, Saint Joseph, MI 49085
| Property Type | Residential Vacant Land |
|---|---|
| Lot Size | 0.028 acres (1,220 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $171 (2025) |
| Deeds & Mortgages | Jul 2017 Mortgage Jan 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 76-1900-0001-00-8 |
| Primary APN | 76-1900-0001-00-8 |
|---|---|
| Alternative APN |
|
| Lot Area | 1,220 sqft (0.028 acres) |
|---|---|
| Lot Dimensions | 240 ft deep x 5 ft wide |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 210 RIDGEWAY ST |
|---|---|
| City | SAINT JOSEPH |
| State | MI |
| Zip | 49085-1000 |
| Property Category | Residential |
| Property Type | Vacant Land > Residential |
| Local Zoning Code | R1 - A |
| Legal Description | COM AT NLY COR OF LOT E EDGEWATER ADD TO CITY OF ST JOSEPH TH SE ON LOT LN 240' TH S35DEG W 5'TH NW PAR WITH NE LN OF LOT TO NW LN OF LOT TH NE ON LOT LN 5'TO POB |
| Legal Subdivision | EDGEWATER |
| Legal Lot Number | E |
| Legal Unit | E |
| Jurisdiction | BERRIEN MI |
| Township / Civil Division | ST. JOSEPH |
| Census Block Group | 1 |
| Census Block | 1014 |
| Census Tract | 801 |
210 Ridgeway St, residential vacant land, is owned by an individual who acquired it in October 2009.
Source: Berrien County records, as of September 28, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 200 RIDGEWAY ST, SAINT JOSEPH, MI 49085-1000 |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jul 6, 2017 | Deed of Trust, Mortgage · ARM HORIZON BANK |
| Jan 26, 2022 | Deed of Trust, Mortgage · Conventional Mortgage HORIZON BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 2, 1986 |
| Deed Sale | Jul 2, 1986 |
| Prior Sale | Jul 3, 1985 |
| Deed Book / Page | 1268 / 251 |
| Last Transfer Date | Oct 30, 2009 |
| Transfer Doc | 02902/2689 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERRIEN MI |
| Property Address | 210 RIDGEWAY ST, SAINT JOSEPH, MI 49085-1000 |
| Transaction Type | Mortgage |
| Record Updated | Nov 9, 2023 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|
| Document Number | 03176/2950 |
|---|---|
| Date | Jul 6, 2017 |
| Book Page | 3176/2950 |
| Name | HORIZON BANK |
|---|---|
| Type | Bank |
| Address | MICHIGAN CITY, IN 46360 |
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.62% |
| Type Change Date | Aug 1, 2027 |
| Change Frequency | Annually |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 8.62% |
| Index | 1-Year CMT |
| Max Rate | 8.62% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERRIEN MI |
| Property Address | 210 RIDGEWAY ST, SAINT JOSEPH, MI 49085-1000 |
| Transaction Type | Mortgage |
| Record Updated | Nov 9, 2023 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|
| Document Number | 03361/2812 |
|---|---|
| Date | Jan 26, 2022 |
| Book Page | 3361/2812 |
| Instrument | 2022341611 |
| Name | HORIZON BANK |
|---|---|
| Type | Bank |
| Address | MICHIGAN CITY, IN 46360 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2052 |
The 2025 property tax bill for 210 Ridgeway St was $171, up 2.4% from the year before.
Source: Berrien County assessment roll, as of September 28, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Berrien County |
| Municipality | St. Joseph City |
| Unified School District | St. Joseph Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $30,200 (+128.79%) | $60,400 (+128.79%) | |
| 2025 | $171.00 (+2.4%) | $13,200 | $26,400 |
| 2024 | $167.00 | ||
| 2023 | $10,800 | $21,600 | |
| 2022 | $153.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 210 Ridgeway St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
| Flood Insurance Cost | Premium on File median of 11 policies |
| Nearby Flood Policies | 11 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 risk around 210 Ridgeway St is low, with a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · above 51% of Michigan |
|---|---|
| Wildfire Likelihood | 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | BENTON HARBOR serves 9,103 people · EPA ID MI0000600 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jan 2025 |
| Lead | Under 1 ppb (2025) action level 15 ppb |
| Water Quality | Treatment failure resolved · Sep 2021 Failure to filter resolved · May 2021 |
|---|---|
| Treatment and Procedure | Organic carbon removal Apr 2026 Treatment change without state approval Sep 2021 Lead public education Aug 2021 |
| 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.
Source: FCC Broadband Data Collection, based on 109 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless · DSL | 100 / 20 |
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