2584 E Napier Ave, Benton Harbor, MI 49022 Property Records

Berrien County property record for 2584 E Napier Ave, Benton Harbor, MI 49022

Property Summary

Property Type	Clubs, Lodges, Professional Associations
Details	8,980 sqft · built 1975
Lot Size	16.3 acres (710,464 sqft)
Owner	Individual Name on File
Tax Bill	$15,285 (2025)
Deeds & Mortgages	Feb 2017 Mortgage Jan 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03-0027-0004-08-2`

Property Details

APN / Parcel Number

Primary APN	`03-0027-0004-08-2`
Alternative APN	`11-03-0027-0004-08-2`

Interior

Stories	1 Story
Building Area	8,980 sqft Total Area

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Lot Area	710,464 sqft (16.3 acres)
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	2584 E NAPIER AVE
City	BENTON HARBOR
State	MI
Zip	49022-1877
Property Category	Commercial
Property Type	Commercial > Retail > Clubs, Lodges, Professional Associations
Local Zoning Code	SPEC US
Legal Description	THAT PT OF E 18 A OF S 28 A OF W 1/2 OF SW1/4 SEC 27 T4S R18W LYING S OF NAPIER AVE EXC COM ON C/L SD NAPIER AVE AT A PT 953.3'N & 839.92'S88DEG55'E OF SW COR SEC 27 TH S1DEG55'E 290.4'TH SELY PAR TO NAPIER AVE C/L 150'TH N1DEG55'W 90.4'TH SELY PAR T
Legal Range	18W
Legal Township	04S
Legal Section	27
Legal Lot Number	150
Jurisdiction	BERRIEN MI
Township / Civil Division	BENTON
Census Block Group	2
Census Block	2047
Census Tract	2400

Owner

2584 E Napier Ave, a commercial property, is owned by an individual who acquired it in January 2023.

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

Owner of Record	Individual Name on File
Mailing Address	615 E MAIN ST, BENTON HARBOR, MI 49022-3321
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
Feb 13, 2017	Deed of Trust, Mortgage · Commercial Mortgage HORIZON BANK NA
Jan 23, 2018	Deed of Trust, Mortgage · Commercial Mortgage HORIZON BANK
Jan 4, 2023	Deed of Trust, Mortgage 2584 EAST NAPIER AVENUE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 4, 2023
Deed Sale	Jan 4, 2023
Prior Sale	Jul 15, 2016
Deed Document Number	2023370501
Deed Book / Page	3396 / 783
Record Updated	Oct 29, 2026

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	2584 E NAPIER AVE, BENTON HARBOR, MI 49022-1877
Transaction Type	Mortgage
Record Updated	Nov 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	03163/0663
Date	Feb 13, 2017
Book Page	3163/0663

Lender

Name	HORIZON BANK NA
Type	Bank
Address	SAINT JOSEPH, MI 49085

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	6 Months
Due	Aug 2, 2017

Interest

Rate Type	Adjustable Rate

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	2584 E NAPIER AVE, BENTON HARBOR, MI 49022-1877
Transaction Type	Mortgage
Record Updated	Nov 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	03195/1989
Date	Jan 23, 2018
Book Page	3195/1989
Instrument	3195-1989

Lender

Name	HORIZON BANK
Type	Bank
Address	MICHIGAN CITY, IN 46360

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	60 Months
Due	Jan 19, 2023

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	2584 E NAPIER AVE, BENTON HARBOR, MI 49022-1877
Transaction Type	Mortgage
Record Updated	Nov 9, 2023
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	615 EAST BENTON, BENTON HARBOR, MI

Mortgage

Document Number	003396/786
Date	Jan 4, 2023
Book Page	3396/786
Instrument	2023370502

Lender

Name	2584 EAST NAPIER AVENUE LLC
Type	Non-Lending Institution

Agreement

Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 2584 E Napier Ave was $15,285.

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

Property Jurisdictions

Type	Name
State	Michigan
County	Berrien County
County Subdivision	Benton Charter Township
Unified School District	Benton Harbor Area Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$339,900	$679,800
2025	$15,285.00
2023		$281,900	$563,800
2022	$7,742.00

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

Flood

FEMA maps place 2584 E Napier Ave in Zone X, an area of minimal flood risk.

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

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 2584 E Napier 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 93% of the US · lower than 83% 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 78 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
AT&T Fixed Wireless	100 / 20

May also be available: Mercury Fiber.

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