239 Ward Ave, Saint Joseph, MI 49085 Property Records

Berrien County property record for 239 Ward Ave, Saint Joseph, MI 49085

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 480 sqft · built 1945
Lot Size	0.144 acres (6,273 sqft)
Owner	2 Individual Names on File
Last Sale	$158,000 (Sep 2025)
Tax Bill	$1,648 (2025)
Deeds & Mortgages	Jun 2023 Line of Credit Sep 2025 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`76-1750-0034-00-7`

Property Details

APN / Parcel Number

Primary APN	`76-1750-0034-00-7`
Alternative APN	`11-76-1750-0034-00-7`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	480 sqft Living Area
1st Floor Area	480 sqft

Exterior

Year Built	Built 1945
Effective Year Built	Effective 1945
Lot Area	6,273 sqft (0.144 acres)
Lot Dimensions	118 ft deep x 53 ft wide

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	239 WARD AVE
City	SAINT JOSEPH
State	MI
Zip	49085-2221
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1 - B
Legal Description	LOT 34 DUNHAM ACRES
Legal Subdivision	DUNHAM ACRES
Legal Lot Number	34
Legal Unit	34
Jurisdiction	BERRIEN MI
Township / Civil Division	ST. JOSEPH
Census Block Group	2
Census Block	2038
Census Tract	801

Owner

239 Ward Ave is owned and occupied by two individuals who bought it in September 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	239 WARD AVE, SAINT JOSEPH, MI 49085-2221
Occupancy	Owner Occupied
Owner Type	Individual

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
Jun 14, 2023	Deed of Trust, Mortgage · Line of Credit BLUEOX CU
Sep 17, 2025	Warranty Deed, Transfer · Conventional Mortgage NEIGHBORHOOD LOANS
Mar 15, 2018	Warranty Deed, Transfer · Commercial Mortgage EDGEWATER BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 17, 2025 · Amount on File
Deed Sale	Sep 17, 2025 · Amount on File
Prior Sale	Mar 15, 2018 · Amount on File
Deed Document Number	2025441848
Deed Book / Page	3460 / 316
Prior Transfer Date	Feb 29, 2012
Prior Transfer Doc	02988/1330
Record Updated	Oct 29, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	239 WARD AVE, SAINT JOSEPH, MI 49085-2221
Transaction Type	Mortgage
Record Updated	Oct 15, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	003406/175
Date	Jun 14, 2023
Book Page	3406/175
Instrument	2023382696

Lender

Name	BLUEOX CU
Type	Credit Union
Address	BATTLE CREEK, MI 49015

Agreement

Type	Line of Credit
Amount	Amount on Record

September 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BERRIEN MI
Recording Date	Sep 17, 2025
Property Address	239 WARD AVE, SAINT JOSEPH, MI 49085-2221
Document Number	003460/316
Book / Page	3460 / 316
Map Reference	LB 6 PG 62
Instrument Date	Aug 29, 2025
Instrument	2025441848
Transaction Type	Transfer
Record Updated	Oct 15, 2025
Title Company	CHICAGO TITLE MERIDIAN, CHICAGO TITLE OF MI INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,185.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	568 PINECREST ST, HOLLAND, MI 49424-6528

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	239 WARD AVE, SAINT JOSEPH, MI 49085-2221

Mortgage

Document Number	0003460318
Date	Sep 17, 2025
Instrument	3460/318

Lender

Name	NEIGHBORHOOD LOANS
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2055

March 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BERRIEN MI
Recording Date	Mar 15, 2018
Property Address	239 WARD AVE, SAINT JOSEPH, MI 49085-2221
Document Number	03200/1300
Book / Page	3200 / 1300
Map Reference	LB8 PG62
Instrument Date	Mar 12, 2018
Transaction Type	Transfer
Record Updated	Nov 9, 2023
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$602.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	568 PINECREST ST, HOLLAND, MI 49424-6528

Mortgage

Document Number	0032001301
Date	Mar 15, 2018
Instrument	3200/1301

Lender

Name	EDGEWATER BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	60 Months
Due	Mar 12, 2023

Tax Assessment & Valuation

The 2025 property tax bill for 239 Ward Ave was $1,648, up 2.7% from the year before.

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		$80,500 (+66.32%)	$161,000 (+66.32%)
2025	$1,648.00 (+2.68%)	$48,400	$96,800
2024	$1,605.00
2023		$35,600	$71,200
2022	$1,465.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 239 Ward Ave in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
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 239 Ward 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 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	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 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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