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2946 Division St, Saint Joseph, MI 49085 Property Records

Berrien County property record for 2946 Division St, Saint Joseph, MI 49085

Property Summary

Property TypeRetail Stores (Personal Services, Photography, Travel)
Details6,353 sqft · built 1985
Lot Size0.84 acres (36,590 sqft)
OwnerCompany Name on File
Tax Bill$13,668 (2025)
Deeds & MortgagesJan 2018 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN76-2700-0009-24-9

Property Details

APN / Parcel Number

Primary APN76-2700-0009-24-9
Alternative APN
  • 11-76-2700-0009-24-9

Interior

Stories1 Story
Building Area6,353 sqft Total Area

Exterior

Year BuiltBuilt 1985
Effective Year BuiltEffective 1985
Fire ResistanceWood or Wood & Steel Frame
Lot Area36,590 sqft (0.84 acres)
Lot Depth296 ft Depth

Utilities, Heating & Cooling

Heating SystemForced Air with A/C

Location & Zoning

Street Address2946 DIVISION ST
CitySAINT JOSEPH
StateMI
Zip49085-2437
Property CategoryCommercial
Property TypeCommercial > Retail > Retail Stores (Personal Services, Photography, Travel)
Local Zoning CodeCO-A
Legal DescriptionPT OF LOT 9 GARDS ADD TO CITY OF ST JOSEPH COM AT INT OF W R/W OF DIVISION ST & N R/W OF ST JOSEPH DR TH S89 DEG40'W 139.48'TH N 0 DEG 08'E 296.51'TH N89DEG34'E 138.8'TH S 296.71'TO POB EXC THE N 35'THEREOF STREET R/W PER 570/328
Legal SubdivisionGARDS ADD
Legal Lot Number9
Legal Unit9
JurisdictionBERRIEN MI
Township / Civil DivisionST. JOSEPH
Census Block Group1
Census Block1022
Census Tract900

Owner

2946 Division St, a commercial property, is owned by a company that acquired it in June 2023.

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

Owner of RecordCompany Name on File
Mailing Address3740 EDISON LAKES PKWY, MISHAWAKA, IN 46545-3448
Owner TypeCompany
VestingCompany

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 13, 2023
Deed SaleJun 13, 2023
Prior SaleJan 31, 2018 · Amount on File
Deed Document Number2023382626
Deed Book / Page3405 / 4115
Record UpdatedOct 29, 2026

January 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBERRIEN MI
Recording DateJan 31, 2018
Property Address2946 DIVISION ST, SAINT JOSEPH, MI 49085-2437
Document Number03196/0828
Book / Page3196 / 0828
Instrument DateJan 29, 2018
Instrument3196-0828
Transaction TypeTransfer
Record UpdatedNov 9, 2023

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$2,167.20
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address2946 DIVISION ST, SAINT JOSEPH, MI 49085-2437

Transferred To (Grantee/Buyer)

NameVerified Name
Address2946 DIVISION ST, SAINT JOSEPH, MI 49085-2437

Mortgage

Document Number0031960838
DateJan 31, 2018
Instrument3196-0838
Lender
Name1ST SOURCE BANK
TypeBank
Agreement
TypeCommercial Mortgage
AmountAmount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 2946 Division St was $13,668.

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$218,000$436,000
2025$13,668.00
2023$203,200$406,400
2022$12,543.00

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

Flood

FEMA maps place 2946 Division 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 2946 Division 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 269 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
AT&T
Fiber · DSL		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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