Berrien County property record for 2195 Riverside Pointe Dr, Saint Joseph, MI 49085
| Property Type | Condominium |
|---|---|
| Details | 3 bd · 4.5 ba · 5,039 sqft · built 1997 |
| Lot Size | 0.282 acres (12,294 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $270,000 (Apr 2012) |
| Tax Bill | $22,241 (2025) |
| Deeds & Mortgages | Nov 2025 Mortgage Aug 2023 Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 18-6890-0006-01-1 |
| Primary APN | 18-6890-0006-01-1 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 4.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 5,039 sqft Living Area |
| 1st Floor Area | 2,771 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1997 |
|---|---|
| Effective Year Built | Effective 1997 |
| Architectural Style | Condo/Apartment |
| Lot Area | 12,294 sqft (0.282 acres) |
| Garage Area | 815 sqft |
| Parking Spaces | 3 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 2195 RIVERSIDE POINTE DR |
|---|---|
| City | SAINT JOSEPH |
| State | MI |
| Zip | 49085-2394 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Condominium |
| Local Zoning Code | B4 |
| Legal Description | UNIT 6A RIVERSIDE POINTE CONDOMINIUM FIFTH AMENDMENT LIBER 90 PAGE 149 SIXTH AMENDMENT LIBER 90 PAGE 176 |
| Legal Subdivision | RIVERSIDE |
| Legal Unit | 6 |
| Jurisdiction | BERRIEN MI |
| Township / Civil Division | ST. JOSEPH |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 1100 |
2195 Riverside Pointe Dr, a condominium, is owner-occupied and held in a trust since April 2012.
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 | 2 Trust Names on File |
|---|---|
| Mailing Address | 2195 RIVERSIDE POINTE DR, SAINT JOSEPH, MI 49085-2394 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
| Date | Document |
|---|---|
| Nov 26, 2025 | Deed of Trust, Mortgage · Conventional Mortgage CME LENDING GROUP LLC |
| Aug 7, 2023 | Warranty Deed, Transfer · Conventional Mortgage PROPER RATE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 13, 2012 · Amount on File |
| Deed Sale | Apr 13, 2012 · Amount on File |
| Prior Sale | Oct 13, 2010 · Amount on File |
| Deed Book / Page | 2991 / 169 |
| Prior Transfer Date | Sep 30, 2010 |
| Prior Transfer Doc | 02935/0901 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERRIEN MI |
| Property Address | 2195 RIVERSIDE POINTE DR, SAINT JOSEPH, MI 49085-2394 |
| Transaction Type | Mortgage |
| Record Updated | Dec 25, 2025 |
| Name | Verified Name |
|---|---|
| Address | 233 E WACKER DR, CHICAGO, IL 60601-5104 |
| Document Number | 03465/2503 |
|---|---|
| Date | Nov 26, 2025 |
| Book Page | 3465/2503 |
| Instrument | 2025447108 |
| Name | CME LENDING GROUP LLC |
|---|---|
| Type | Mortgage Company |
| Address | CHESTERTON, IN 46304 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BERRIEN MI |
| Recording Date | Aug 7, 2023 |
| Property Address | 2195 RIVERSIDE POINTE DR, SAINT JOSEPH, MI 49085-2394 |
| Document Number | 03409/2104 |
| Book / Page | 3409 / 2104 |
| Map Reference | LB 90 PG 1 |
| Instrument Date | Jul 28, 2023 |
| Instrument | 2023386279 |
| Transaction Type | Transfer |
| Record Updated | Nov 9, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 1629 S PRAIRIE AVE UNIT 1101, 1101, CHICAGO, IL 60616-5059 |
| Document Number | 2023386280 |
|---|---|
| Date | Aug 7, 2023 |
| Instrument | 2023386280 |
| Name | PROPER RATE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 1, 2053 |
The 2025 property tax bill for 2195 Riverside Pointe Dr was $22,241, up 3% from the year before.
Source: Berrien County assessment roll, as of September 28, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Berrien County |
| County Subdivision | St. Joseph Charter Township |
| Unified School District | St. Joseph Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $473,900 (+3.02%) | $947,800 (+3.02%) | |
| 2025 | $22,241.00 (+3.01%) | $460,000 | $920,000 |
| 2024 | $21,591.00 | ||
| 2023 | $373,600 (+8.57%) | $747,200 (+8.57%) | |
| 2022 | $8,999.00 (+3.34%) Homeowner's exemption | $344,100 | $688,200 |
| 2021 | $8,708.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2195 Riverside Pointe Dr in Zone AE, a high-risk flood area within the regulatory floodway; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective September 10, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | Yes |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| Nearby Flood Policies | 8 in force |
| Nearby Flood Claims | 5 (2009–2020) |
| Claims Outside the SFHA | 4 of 5 |
| Most Recent Claim | May 2020 · 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.
The area around 2195 Riverside Pointe Dr has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within 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 | 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 92 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: AT&T, Mercury Fiber.
5G (outdoors only) and 4G LTE
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