2187 Fairplain Ave, Benton Harbor, MI 49022 Property Records

Berrien County property record for 2187 Fairplain Ave, Benton Harbor, MI 49022

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,225 sqft · built 1950
Lot Size	0.51 acres (22,216 sqft)
Owner	Individual Name on File
Last Sale	$160,000 (Jun 2020)
Tax Bill	$2,282 (2025)
Deeds & Mortgages	Aug 2026 Line of Credit Jun 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`18-7150-0026-00-6`

Property Details

APN / Parcel Number

Primary APN	`18-7150-0026-00-6`
Alternative APN	`11-18-7150-0026-00-6`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Building Area	1,225 sqft Living Area
1st Floor Area	1,225 sqft
Basement Area	1,225 sqft
Unfinished Basement	1,225 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Architectural Style	Raised Ranch
Lot Area	22,216 sqft (0.51 acres)
Lot Dimensions	150 ft deep x 148 ft wide
Garage Area	506 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2187 FAIRPLAIN AVE
City	BENTON HARBOR
State	MI
Zip	49022-6849
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2 - SINGL
Legal Description	LOT 26 SCHNEIDER'S SUBDIVISION
Legal Subdivision	SCHNEIDERS SUBDIVISION
Legal Lot Number	26
Legal Unit	26
Jurisdiction	BERRIEN MI
Township / Civil Division	ST. JOSEPH
Census Block Group	3
Census Block	3013
Census Tract	700

Owner

2187 Fairplain Ave is owned and occupied by an individual who acquired it in July 2026.

Source: Berrien County records, as of September 28, 2026

Owner of Record	Individual Name on File
Mailing Address	2187 FAIRPLAIN AVE, BENTON HARBOR, MI 49022-6849
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Woman, Separate Property

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Aug 7, 2026	Quit Claim Deed, Transfer · Line of Credit TRUST COMPANY
Jun 12, 2020	Warranty Deed, Transfer · ARM OAK MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 12, 2020 · Amount on File
Deed Sale	Jun 12, 2020 · Amount on File
Prior Sale	Jun 12, 2020 · Amount on File
Deed Book / Page	3278 / 1125
Last Transfer Date	Jul 31, 2026
Transfer Doc	0000467625
Record Updated	Oct 29, 2026

August 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BERRIEN MI
Recording Date	Aug 7, 2026
Property Address	2187 FAIRPLAIN AVE, BENTON HARBOR, MI 49022-6849
Document Number	0000467625
Book / Page	3484 / 2391
Instrument Date	Jul 31, 2026
Instrument	2026467625
Transaction Type	Transfer
Record Updated	Aug 31, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2187 FAIRPLAIN AVE, BENTON HARBOR, MI 49022-6849

Mortgage

Document Number	0000467626,
Date	Aug 7, 2026
Instrument	2026467626

Lender

Name	TRUST COMPANY

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Aug 2, 2036

Interest

Rate Type	Adjustable Rate
Rate	4.74%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BERRIEN MI
Recording Date	Jun 12, 2020
Property Address	2187 FAIRPLAIN AVE, BENTON HARBOR, MI 49022-6849
Document Number	03278/1125
Book / Page	3278 / 1125
Map Reference	LB 12 PG 58
Instrument Date	Jun 9, 2020
Transaction Type	Transfer
Record Updated	Nov 9, 2023
Title Company	PATRICK ABSTRACT AND TITLE OFFICE INC, PATRICK ABSTRACT & TTL OFFIC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,376.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3091 COBB PKWY NW APT 1337, 1337, KENNESAW, GA 30152-8000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1338 S AURILLA DR, SAINT JOSEPH, MI 49085-3401

Mortgage

Document Number	0032781127
Date	Jun 12, 2020
Instrument	3278/1127

Lender

Name	OAK MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	3%
Adjustable	Adjustable Rate Rider
Change Frequency	Annually
Min Rate At Change	3.75%
Max Rate At Change	5%
Index	1-Year CMT
Max Rate	5%

Tax Assessment & Valuation

The 2025 property tax bill for 2187 Fairplain Ave was $2,282 with a homeowner's exemption.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$111,900	$223,800
2025	$2,282.00
2023		$72,100	$144,200
2022	$2,013.00

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 2187 Fairplain Ave in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2018.

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.

Wildfire

Wildfire risk around 2187 Fairplain Ave is low, with less than 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 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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.

Nearby Properties on Fairplain Ave

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