Berrien County property record for 2181 Commonwealth Rd, Benton Harbor, MI 49022
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,552 sqft · built 1956 |
| Lot Size | 0.284 acres (12,371 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $125,000 (Mar 2015) |
| Tax Bill | $2,240 (2025) |
| Deeds & Mortgages | Jun 2026 Mortgage Jun 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 18-7150-0007-00-1 |
| Primary APN | 18-7150-0007-00-1 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 1,552 sqft Living Area |
| 1st Floor Area | 1,552 sqft |
| Basement Area | 1,552 sqft |
| Unfinished Basement | 1,552 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1956 |
|---|---|
| Effective Year Built | Effective 1956 |
| Architectural Style | Raised Ranch |
| Lot Area | 12,371 sqft (0.284 acres) |
| Lot Dimensions | 83 ft deep x 149 ft wide |
| Garage Area | 484 sqft |
| Parking Spaces | 2 Parking Spaces |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 2181 COMMONWEALTH RD |
|---|---|
| City | BENTON HARBOR |
| State | MI |
| Zip | 49022-6846 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 - SINGL |
| Legal Description | LOT 7 SCHNEIDER'S SUBDIVISION |
| Legal Subdivision | SCHNEIDERS SUBDIVISION |
| Legal Lot Number | 7 |
| Legal Unit | 7 |
| Jurisdiction | BERRIEN MI |
| Township / Civil Division | ST. JOSEPH |
| Census Block Group | 3 |
| Census Block | 3040 |
| Census Tract | 700 |
Source: Berrien County records, as of July 17, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 2181 COMMONWEALTH RD, BENTON HARBOR, MI 49022-6846 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 30, 2026 | Deed of Trust, Mortgage · Conventional Mortgage HONOR CREDIT UNION |
| Jun 2, 2021 | Deed of Trust, Mortgage · FHA Mortgage OCEANSIDE MORTGAGE CO |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 27, 2015 · Amount on Record |
| Deed Sale | Mar 27, 2015 · Amount on Record |
| Prior Sale | Nov 10, 1987 · Amount on Record |
| Deed Book / Page | 3098 / 2055 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERRIEN MI |
| Recording Date | Jun 30, 2026 |
| Property Address | 2181 COMMONWEALTH RD, BENTON HARBOR, MI 49022-6846 |
| Document Number | 0000464432 |
| Book / Page | 3481 / 436 |
| Instrument Date | Jun 18, 2026 |
| Instrument | 2026464432 |
| Transaction Type | Mortgage |
| Record Updated | Jul 17, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety, 298 |
| Address | 2181 COMMONWEALTH RD, BENTON HARBOR, MI 49022-6846 |
| Document Number | 0000464432, |
|---|---|
| Date | Jun 30, 2026 |
| Book Page | 3481/436 |
| Instrument | 2026464432 |
| Name | HONOR CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Jul 1, 2036 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.51% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERRIEN MI |
| Property Address | 2181 COMMONWEALTH RD, BENTON HARBOR, MI 49022-6846 |
| Transaction Type | Mortgage |
| Record Updated | Nov 9, 2023 |
| Name | Verified Name |
|---|
| Document Number | 03329/2897 |
|---|---|
| Date | Jun 2, 2021 |
| Book Page | 3329/2897 |
| Name | OCEANSIDE MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Address | TOMS RIVER, NJ 08753 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2051 |
Source: Berrien County assessment roll, as of June 5, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Berrien County |
| County Subdivision | St. Joseph Charter Township |
| Unified School District | Benton Harbor Area Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $114,000 (+53.64%) | $228,000 (+53.64%) | |
| 2025 | $2,240.00 (+13.36%) | ||
| 2023 | $74,200 | $148,400 | |
| 2022 | $1,976.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 1 (2018) |
| Most Recent Claim | Feb 2018 · river or lake flooding |
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: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 95% of the US · lower than 89% of Michigan |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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 | SOUTHWEST MICHIGAN REGIONAL SANITARY SEW serves 26,780 people · EPA ID MI0003726 |
|---|---|
| Water Source | Purchased surface water from ST JOSEPH |
| Last State Inspection | Feb 2025 |
| Lead | 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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 158 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 |
May also be available: AT&T, Mercury Fiber.
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