222 Vail Ct, Saint Joseph, MI 49085 Property Records

Berrien County property record for 222 Vail Ct, Saint Joseph, MI 49085

Property Summary

Property Type	Residential Vacant Land
Lot Size	0.193 acres (8,407 sqft)
Owner	2 Individual Names on File
Last Sale	$75,000 (Jul 2025)
Tax Bill	$1,849 (2025)
Deeds & Mortgages	Nov 2025 Construction Loan Feb 2023 Transfer + 4 more
Flood Zone	Zone X (minimal risk)
APN	`76-3030-0017-00-7`

Property Details

APN / Parcel Number

Primary APN	`76-3030-0017-00-7`
Alternative APN	`11-76-3030-0017-00-7`

Exterior

Lot Area	8,407 sqft (0.193 acres)
Lot Dimensions	120 ft deep x 70 ft wide

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	222 VAIL CT
City	SAINT JOSEPH
State	MI
Zip	49085-1857
Property Category	Residential
Property Type	Vacant Land > Residential
Local Zoning Code	R1 - C
Legal Description	LOT 17 HERMANS ADD TO CITY OF ST JOSEPH
Legal Subdivision	HERMANS ADD
Legal Lot Number	17
Legal Unit	17
Jurisdiction	BERRIEN MI
Township / Civil Division	ST. JOSEPH
Census Block Group	2
Census Block	2033
Census Tract	801

Owner

222 Vail Ct, residential vacant land, is owned by two individuals who bought it in July 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	1620 S LANCASTER LN, LIBERTYVILLE, IL 60048-4845
Owner Type	Individual
Vesting	Tenants by the Entirety

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
Nov 17, 2025	Deed of Trust, Mortgage · Construction Mortgage LAKE MICHIGAN CU
Feb 17, 2023	Intrafamily Transfer, Transfer
Aug 12, 2022	Warranty Deed, Transfer NEAR NORTH TITLE GROUP
May 6, 2021	Warranty Deed, Transfer CHICAGO TITLE/MI, CHICAGO TITLE OF MI INC
May 15, 2017	Warranty Deed, Transfer FIRST AMERICAN TITLE
Mar 1, 2017	Warranty Deed, Transfer E-CHICAGO TITLE, CHICAGO TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 30, 2025 · Amount on File
Deed Sale	Jul 30, 2025 · Amount on File
Prior Sale	Aug 12, 2022 · Amount on File
Deed Document Number	2025438228
Deed Book / Page	3456 / 919
Prior Transfer Date	Jan 2, 2023
Prior Transfer Doc	03398/2574
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	222 VAIL CT, SAINT JOSEPH, MI 49085-1857
Transaction Type	Mortgage
Record Updated	Dec 24, 2025
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	115 LAKE ST, LIBERTYVILLE, IL 60048-1800

Mortgage

Document Number	03464/3741
Date	Nov 17, 2025
Book Page	3464/3741
Instrument	2025446395

Lender

Name	LAKE MICHIGAN CU
Type	Credit Union
Address	GRAND RAPIDS, MI 49546

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	373 Months
Due	Dec 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.36%
Adjustable	Adjustable Rate Rider
Type Change Date	Dec 1, 2033
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	11.3%
Index	1-Year CMT
Max Rate	11.3%

February 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BERRIEN MI
Recording Date	Feb 17, 2023
Property Address	222 VAIL CT, SAINT JOSEPH, MI 49085-1857
Document Number	03398/2574
Book / Page	3398 / 2574
Map Reference	LB 11 PG 41
Instrument Date	Feb 2, 2023
Instrument	2023373083
Transaction Type	Transfer
Record Updated	Nov 9, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	1775 ANTHONY DR, SAINT JOSEPH, MI 49085-9424

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BERRIEN MI
Recording Date	Aug 12, 2022
Property Address	222 VAIL CT, SAINT JOSEPH, MI 49085-1857
Document Number	03382/1908
Book / Page	3382 / 1908
Map Reference	LB 11 PG 41
Instrument Date	Aug 10, 2022
Instrument	2022359872
Transaction Type	Transfer
Record Updated	Nov 9, 2023
Title Company	NEAR NORTH TITLE GROUP

Transaction

Amount	Amount on Record
Tax	$540.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1111 N ROESKE TRL, MICHIGAN CITY, IN 46360-2742

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1775 ANTHONY DR, SAINT JOSEPH, MI 49085-9424

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BERRIEN MI
Recording Date	May 6, 2021
Property Address	222 VAIL CT, SAINT JOSEPH, MI 49085-1857
Document Number	03326/1445
Book / Page	3326 / 1445
Map Reference	LB 11 PG 41
Instrument Date	Apr 29, 2021
Transaction Type	Transfer
Record Updated	Nov 9, 2023
Title Company	CHICAGO TITLE/MI, CHICAGO TITLE OF MI INC

Transaction

Amount	Amount on Record
Tax	$576.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1446 W WOLFRAM ST, CHICAGO, IL 60657-4117

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1111 N ROESKE TRL, MICHIGAN CITY, IN 46360-2742

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BERRIEN MI
Recording Date	May 15, 2017
Property Address	222 VAIL CT, SAINT JOSEPH, MI 49085-1857
Document Number	03172/0027
Book / Page	3172 / 0027
Map Reference	LB11 PG41
Instrument Date	May 12, 2017
Transaction Type	Transfer
Record Updated	Nov 9, 2023
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Tax	$387.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1446 W WOLFRAM ST, CHICAGO, IL 60657-4117

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BERRIEN MI
Recording Date	Mar 1, 2017
Property Address	222 VAIL CT, SAINT JOSEPH, MI 49085-1857
Document Number	03164/2168
Book / Page	3164 / 2168
Instrument Date	Feb 27, 2017
Transaction Type	Transfer
Record Updated	Nov 9, 2023
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Amount	Amount on Record
Tax	$361.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1928 FORRES AVE, SAINT JOSEPH, MI 49085-1605

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2163 MCCORMICK TRL, STEVENSVILLE, MI 49127-8631

Tax Assessment & Valuation

The 2025 property tax bill for 222 Vail Ct was $1,849.

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

Property Jurisdictions

Type	Name
State	Michigan
County	Berrien County
Municipality	St. Joseph City
Unified School District	St. Joseph Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$49,200	$98,400
2025	$1,849.00
2023		$29,300	$58,600
2022	$1,567.00

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 222 Vail Ct in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 10, 2024

FEMA Flood Zone	Zone X minimal risk
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 222 Vail Ct 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 99.1% of the US · lower than 98.4% of Michigan
Wildfire Likelihood	Under 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	ST JOSEPH serves 7,930 people · EPA ID MI0006310
Water Source	Surface water
Last State Inspection	Jun 2025
Lead	4 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
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 241 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless, DSL in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Mercury Fiber.

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