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2804 S State St, Saint Joseph, MI 49085 Property Records

Berrien County property record for 2804 S State St, Saint Joseph, MI 49085

Property Summary

Property TypeSingle Family Home
Details2 bd · 2 ba · 1,548 sqft · built 1987
Lot Size0.226 acres (9,845 sqft)
OwnerIndividual Name on File
Last Sale$255,000 (Jun 2021)
Tax Bill$4,873 (2025)
Deeds & MortgagesJun 2021 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN76-5080-0014-00-5

Property Details

APN / Parcel Number

Primary APN76-5080-0014-00-5
Alternative APN
  • 11-76-5080-0014-00-5

Interior

Bedrooms2 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,548 sqft Living Area
1st Floor Area1,548 sqft
Basement Area1,548 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1987
Effective Year BuiltEffective 1987
Lot Area9,845 sqft (0.226 acres)
Lot Dimensions120 ft deep x 82 ft wide
Garage Area612 sqft
Parking Spaces2 Parking Spaces

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C

Location & Zoning

Street Address2804 S STATE ST
CitySAINT JOSEPH
StateMI
Zip49085-2447
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR1 - A
Legal DescriptionLOT 14 REPLAT OF MORSE'S SUB OF N1/2 OF LOT 7 GARDS ADD TO CITY OF ST JOSEPH
Legal SubdivisionGARDS ADD
Legal Lot Number7,14
Legal Unit14,7
JurisdictionBERRIEN MI
Township / Civil DivisionST. JOSEPH
Census Block Group1
Census Block1009
Census Tract900

Owner

2804 S State St is owned and occupied by an individual who bought it in June 2021.

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

Owner of RecordIndividual Name on File
Mailing Address2804 S STATE ST, SAINT JOSEPH, MI 49085-2447
OccupancyOwner Occupied
Owner TypeIndividual

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

Assessor's Deed Record

Deed NamesName on Deed
Last SaleJun 8, 2021 · Amount on File
Deed SaleJun 8, 2021 · Amount on File
Prior SaleMay 8, 2014 · Amount on File
Deed Book / Page3330 / 2434
Record UpdatedOct 29, 2026

June 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBERRIEN MI
Recording DateJun 8, 2021
Property Address2804 S STATE ST, SAINT JOSEPH, MI 49085-2447
Document Number03330/2434
Book / Page3330 / 2434
Map ReferenceLB 14 PG 40
Instrument DateJun 4, 2021
Transaction TypeTransfer
Record UpdatedNov 9, 2023
Title CompanyOAK TITLE

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$2,193.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address5450 S ROOSEVELT RD, STEVENSVILLE, MI 49127-9574

Mortgage

Document Number0033302435
DateJun 8, 2021
Instrument3330/2435
Lender
NameHORIZON BANK
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueJul 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 2804 S State St was $4,873 with a homeowner's exemption.

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

Property Jurisdictions

TypeName
StateMichigan
CountyBerrien County
MunicipalitySt. Joseph City
Unified School DistrictSt. Joseph Public Schools (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$166,700$333,400
2025$4,873.00
2023$120,200$240,400
2022$6,418.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 2804 S State St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1991.

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

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies2 in force
Nearby Flood Claims2 (1991–2007)
Claims Outside the SFHA2 of 2
Most Recent ClaimAug 2007 · rainfall accumulation

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

The area around 2804 S State St has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskNot rated
no burnable land within 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 SystemSOUTHWEST MICHIGAN REGIONAL SANITARY SEW
serves 26,780 people · EPA ID MI0003726
Water SourcePurchased surface water from ST JOSEPH
Last State InspectionFeb 2025
Lead1 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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

ProviderMax 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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