224 Vail Ct, Saint Joseph, MI 49085 Property Records

Berrien County property record for 224 Vail Ct, Saint Joseph, MI 49085

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,447 sqft · built 1993
Lot Size	0.281 acres (12,240 sqft)
Owner	Individual Name on File
Last Sale	$270,000 (Oct 2021)
Tax Bill	$8,190 (2025)
Deeds & Mortgages	Sep 2020 Mortgage Oct 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`76-3030-0018-00-3`

Property Details

APN / Parcel Number

Primary APN	`76-3030-0018-00-3`
Alternative APN	`11-76-3030-0018-00-3`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,447 sqft Living Area
1st Floor Area	962 sqft

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Lot Area	12,240 sqft (0.281 acres)
Lot Dimensions	120 ft deep x 102 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	224 VAIL CT
City	SAINT JOSEPH
State	MI
Zip	49085-1857
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1 - C
Legal Description	LOT 18 HERMANS ADD TO CITY OF ST JOSEPH
Legal Subdivision	HERMANS ADD
Legal Lot Number	18
Legal Unit	18
Jurisdiction	BERRIEN MI
Township / Civil Division	ST. JOSEPH
Census Block Group	2
Census Block	2033
Census Tract	801

Owner

224 Vail Ct is owned and occupied by an individual who bought it in October 2021.

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	224 VAIL CT, SAINT JOSEPH, MI 49085-1857
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 3, 2020	Deed of Trust, Mortgage · FHA Mortgage MAGNOLIA BANK
Oct 19, 2021	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 19, 2021 · Amount on File
Deed Sale	Oct 19, 2021 · Amount on File
Prior Sale	Nov 16, 1998
Deed Document Number	2021332142
Deed Book / Page	3349 / 990
Record Updated	Oct 29, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	224 VAIL CT, SAINT JOSEPH, MI 49085-1857
Transaction Type	Mortgage
Record Updated	Nov 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	003289/858
Date	Sep 3, 2020
Book Page	3289/858

Lender

Name	MAGNOLIA BANK
Type	Bank
Address	HODGENVILLE, KY 42748

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2050

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BERRIEN MI
Recording Date	Oct 19, 2021
Property Address	224 VAIL CT, SAINT JOSEPH, MI 49085-1857
Document Number	003349/990
Book / Page	3349 / 990
Map Reference	LB 11 PG 41
Instrument Date	Oct 13, 2021
Transaction Type	Transfer
Record Updated	Nov 9, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,322.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	224 VAI COURT, SAINT JOSEPH, MI 49085-1857

Mortgage

Document Number	0003349991
Date	Oct 19, 2021
Instrument	3349/991

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 224 Vail Ct was $8,190 with a homeowner's exemption.

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		$198,700	$397,400
2025	$8,190.00
2023		$215,300	$430,600
2022	$7,317.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 224 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 224 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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