2181 Territorial Rd, Benton Harbor, MI 49022 Property Records

Berrien County property record for 2181 Territorial Rd, Benton Harbor, MI 49022

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,188 sqft · built 1950
Lot Size	0.48 acres (20,909 sqft)
Owner	Individual Name on File
Last Sale	$125,000 (Aug 2022)
Tax Bill	$1,897 (2025)
Deeds & Mortgages	Aug 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-0016-0044-02-0`

Property Details

APN / Parcel Number

Primary APN	`03-0016-0044-02-0`
Alternative APN	`11-03-0016-0044-02-0`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Building Area	1,188 sqft Living Area
1st Floor Area	792 sqft
Basement Area	792 sqft
Unfinished Basement	792 sqft

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Architectural Style	Cape Cod
Lot Area	20,909 sqft (0.48 acres)
Lot Width	118 ft Width

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	2181 TERRITORIAL RD
City	BENTON HARBOR
State	MI
Zip	49022-8050
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A2 SING FA
Legal Description	COM 847.68'S & 543.5'S89DEG38'E OF NW COR OF SW1/4 OF NE1/4 SEC 16 T4S R18W TH S89DEG38'E 147.3'TH S0DEG26'E 291.4'TH S85DEG44'W 147.92'TH N0DEG21'W 303.6'TO POB EXC COM 482.08'N & 543.5'S89DEG21' E OF CEN SEC 16 TH S0DEG16'E 152.5'TH S89DEG21'E 147.
Legal Range	18W
Legal Township	04S
Legal Section	16
Jurisdiction	BERRIEN MI
Township / Civil Division	BENTON
Census Block Group	2
Census Block	2025
Census Tract	2300

Owner

2181 Territorial Rd is owned and occupied by an individual who bought it in August 2022.

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 File
Mailing Address	2181 TERRITORIAL RD, BENTON HARBOR, MI 49022-8050
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 4, 2022 · Amount on File
Deed Sale	Aug 4, 2022 · Amount on File
Prior Sale	Jun 2, 2005 · Amount on File
Deed Document Number	2022359348
Deed Book / Page	3381 / 3069
Prior Transfer Date	May 23, 2011
Prior Transfer Doc	02958/2523
Record Updated	Oct 29, 2026

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BERRIEN MI
Recording Date	Aug 4, 2022
Property Address	2181 TERRITORIAL RD, BENTON HARBOR, MI 49022-8050
Document Number	03381/3069
Book / Page	3381 / 3069
Instrument Date	Jul 25, 2022
Instrument	2022359348
Transaction Type	Transfer
Record Updated	Nov 9, 2023
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$937.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2181 TERRITORIAL RD, BENTON HARBOR, MI 49022-8050

Mortgage

Document Number	0033813071
Date	Aug 4, 2022
Instrument	3381-3071

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 2181 Territorial Rd was $1,897 with a homeowner's exemption, up 3% from the year before.

Source: Berrien County assessment roll, as of September 28, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Berrien County
County Subdivision	Benton Charter Township
Unified School District	Benton Harbor Area Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$61,200 (+0.33%)	$122,400 (+0.33%)
2025	$1,897.00 (+3.04%) Homeowner's exemption	$61,000	$122,000
2024	$1,841.00
2023		$55,500	$111,000
2022	$1,392.00

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.

Flood

FEMA maps place 2181 Territorial Rd 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

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 2181 Territorial Rd 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	Indirect within ember reach
Adjoins Burnable Land	Yes

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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 81 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35