2820 Villa Ln, Benton Harbor, MI 49022 Property Records

Berrien County property record for 2820 Villa Ln, Benton Harbor, MI 49022

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,647 sqft · built 2008
Owner	2 Individual Names on Record
Last Sale	$454,000 (May 2025)
Tax Bill	$3,379 (2025)
Deeds & Mortgages	Apr 2011 Line of Credit May 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`19-8300-0053-00-0`

Property Details

APN / Parcel Number

Primary APN	`19-8300-0053-00-0`
Alternative APN	`11-19-8300-0053-00-0`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,647 sqft Living Area
1st Floor Area	1,647 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Architectural Style	Ranch
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2820 VILLA LN
City	BENTON HARBOR
State	MI
Zip	49022-2476
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-A RE
Legal Description	UNIT 53 VILLAS AT THE RIVER FIRST AMENDMENT LIBER 234 PAGE 64 BLDG 15 #
Legal Subdivision	THE VILLAS AT THE RIVER
Legal Unit	53
Jurisdiction	BERRIEN MI
Township / Civil Division	SODUS
Census Block Group	1
Census Block	1015
Census Tract	1900

Owner

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	2820 VILLA LN, BENTON HARBOR, MI 49022-2476
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Apr 25, 2011	Deed of Trust, Mortgage · Line of Credit HORIZON BANK NA
May 27, 2025	Warranty Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 27, 2025 · Amount on Record
Deed Sale	May 27, 2025 · Amount on Record
Prior Sale	Jun 28, 2011 · Amount on Record
Deed Document Number	2025433353
Deed Book / Page	3451 / 2146
Prior Transfer Date	Mar 21, 2012
Prior Transfer Doc	02988/0199
Record Updated	Oct 29, 2026

April 2011: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	2820 VILLA LN, BENTON HARBOR, MI 49022-2476
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02956/0209
Date	Apr 25, 2011
Book Page	2956/0209

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Apr 15, 2021

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BERRIEN MI
Recording Date	May 27, 2025
Property Address	2820 VILLA LN, BENTON HARBOR, MI 49022-2476
Document Number	03451/2146
Book / Page	3451 / 2146
Map Reference	LB 234 PG 87
Instrument Date	May 27, 2025
Instrument	2025433353
Transaction Type	Transfer
Record Updated	Apr 3, 2026
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,405.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	2820 VILLA LN, BENTON HARBOR, MI 49022-2476

Mortgage

Document Number	0034512149
Date	May 27, 2025
Instrument	3451/2149

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2055

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$179,900 (+0.45%)	$359,800 (+0.45%)
2025	$3,379.00 (+2.12%) Homeowner's exemption	$179,100 (+12.36%)	$358,200 (+12.36%)
2024	$3,309.00 (+15.58%)
2023		$159,400	$318,800
2022	$2,863.00

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

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
Flood Insurance Cost	Premium on Record median of 15 individual policies
Nearby Flood Policies	43 units insured incl. 28 condo units

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

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

Wildfire Risk	Low lower than 80% of the US · above 51% of Michigan
Wildfire Likelihood	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 54 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

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

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