231 Benjamin St, Benton Harbor, MI 49022 Property Records

Berrien County property record for 231 Benjamin St, Benton Harbor, MI 49022

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,120 sqft · built 1962
Lot Size	0.259 acres (11,282 sqft)
Owner	Individual Name on File
Last Sale	$104,000 (Oct 2005)
Tax Bill	$1,648 (2025)
Deeds & Mortgages	Oct 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`18-2720-0006-00-4`

Property Details

APN / Parcel Number

Primary APN	`18-2720-0006-00-4`
Alternative APN	`11-18-2720-0006-00-4`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Building Area	1,120 sqft Living Area
1st Floor Area	1,120 sqft
Basement Area	1,120 sqft
Unfinished Basement	1,120 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1962
Architectural Style	Raised Ranch
Lot Area	11,282 sqft (0.259 acres)
Lot Dimensions	136 ft deep x 83 ft wide
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	231 BENJAMIN ST
City	BENTON HARBOR
State	MI
Zip	49022-6808
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2 - SINGL
Legal Description	LOT 6 GERSONDE SUBDIVISION
Legal Subdivision	GERSONDE SUB
Legal Lot Number	6
Legal Unit	6
Jurisdiction	BERRIEN MI
Township / Civil Division	ST. JOSEPH
Census Block Group	3
Census Block	3042
Census Tract	700

Owner

Source: Berrien County records · APN 18-2720-0006-00-4

Assessment roll updated June 5, 2026 · Last verified June 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	231 BENJAMIN ST, BENTON HARBOR, MI 49022-6808
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Oct 05, 2005 · Amount on Record
Deed Sale	Oct 05, 2005 · Amount on Record
Prior Sale	May 28, 2002 · Amount on Record
Deed Book / Page	2652 / 431
Record Updated	Sep 20, 2026

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	231 BENJAMIN ST, BENTON HARBOR, MI 49022-6808
Transaction Type	Mortgage
Record Updated	Nov 09, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	03220/3070
Date	Oct 26, 2018
Book Page	3220/3070

Lender

Name	UNITED FCU
Type	Credit Union
Address	SAINT JOSEPH, MI 49085

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Oct 25, 2028

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Berrien County records · Assessment roll updated June 5, 2026 · Last verified June 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$86,500 (+49.65%)	$173,000 (+49.65%)
2025	$1,648.00 (+13.26%)
2023		$57,800	$115,600
2022	$1,455.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of September 10, 2024 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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

Wildfire

Wildfire Risk	Not rated no burnable land within ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

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

Based on FCC filings for 438 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	SOUTHWEST MICHIGAN REGIONAL SANITARY SEW serves 26,780 people
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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.