2440 Lora Dr, Benton Harbor, MI 49022 Property Records

Berrien County property record for 2440 Lora Dr, Benton Harbor, MI 49022

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,584 sqft · built 1974
Lot Size	0.384 acres (16,727 sqft)
Owner	Company Name on File
Tax Bill	$2,251 (2025)
Deeds & Mortgages	Nov 2025 Mortgage Aug 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`18-1150-0005-01-4`

Property Details

APN / Parcel Number

Primary APN	`18-1150-0005-01-4`
Alternative APN	`11-18-1150-0005-01-4`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Building Area	1,584 sqft Living Area
1st Floor Area	1,584 sqft
Basement Area	1,470 sqft
Unfinished Basement	1,470 sqft

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Architectural Style	Raised Ranch
Lot Area	16,727 sqft (0.384 acres)
Lot Dimensions	127 ft deep x 131 ft wide
Garage Area	684 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2440 LORA DR
City	BENTON HARBOR
State	MI
Zip	49022-6912
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2 - SINGL
Legal Description	LOT 5 CARRONDE HEIGHTS EXC COM AT NW COR LOT 5 TH ON A 187.5'RAD CUR LT A CHORD DIS OF 13'TH S8DEG20'30''W 65.19 FT TO W LN LOT 5 TH N 73.42' TO POB
Legal Subdivision	CARRONDE HEIGHTS
Legal Lot Number	5
Legal Unit	5,5,5
Jurisdiction	BERRIEN MI
Township / Civil Division	ST. JOSEPH
Census Block Group	3
Census Block	3016
Census Tract	700

Owner

2440 Lora Dr is owned by a company that acquired it in April 2013 and is owner-occupied.

Source: Berrien County records, as of October 8, 2026

Owner of Record	Company Name on File
Mailing Address	2440 LORA DR, BENTON HARBOR, MI 49022-6912
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Life Estate

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 3, 2025	Deed of Trust, Mortgage · Commercial Mortgage POINT DIGITAL FINANCE INC
Aug 25, 2022	Deed of Trust, Mortgage · VA Mortgage NEWREZ LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 12, 2004
Deed Sale	Feb 12, 2004
Prior Sale	Feb 22, 2000 · Amount on File
Deed Book / Page	2480 / 1103
Last Transfer Date	Apr 22, 2013
Transfer Doc	03034/0439
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	2440 LORA DR, BENTON HARBOR, MI 49022-6912
Transaction Type	Mortgage
Record Updated	Nov 21, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2440 LORA DR, BENTON HARBOR, MI 49022-6912

Mortgage

Document Number	03463/2763
Date	Nov 3, 2025
Book Page	3463/2763
Instrument	2025445291

Lender

Name	POINT DIGITAL FINANCE INC
Type	Mortgage Company
Address	PALO ALTO, CA 94302

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	359 Months
Due	Oct 17, 2055

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	2440 LORA DR, BENTON HARBOR, MI 49022-6912
Transaction Type	Mortgage
Record Updated	Nov 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2440 LORA DR, BENTON HARBOR, MI 49022-6912

Mortgage

Document Number	003384/314
Date	Aug 25, 2022
Book Page	3384/314
Instrument	2022361002

Lender

Name	NEWREZ LLC
Type	Mortgage Company
Address	FORT WASHINGTON, PA 19034

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	356 Months
Due	Apr 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 2440 Lora Dr was $2,251 with a homeowner's exemption, up 2.9% from the year before.

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$123,000 (+3.45%)	$246,000 (+3.45%)
2025	$2,251.00 (+2.93%) Homeowner's exemption	$118,900	$237,800
2024	$2,187.00
2023		$81,300	$162,600
2022	$1,986.00

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

Flood

FEMA maps place 2440 Lora Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2018.

Source: FEMA National Flood Hazard Layer, effective September 10, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

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

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.

Wildfire

Wildfire risk around 2440 Lora Dr 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 94% of the US · lower than 85% of Michigan
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 158 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20

May also be available: AT&T, Mercury Fiber.

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