296 Seneca Rd, Benton Harbor, MI 49022 Property Records

Berrien County property record for 296 Seneca Rd, Benton Harbor, MI 49022

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,197 sqft · built 1962
Lot Size	0.449 acres (19,558 sqft)
Owner	Trust Name on File
Last Sale	$82,000 (Jan 2011)
Tax Bill	$2,896 (2025)
Deeds & Mortgages	Feb 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`18-5450-0002-00-8`

Property Details

APN / Parcel Number

Primary APN	`18-5450-0002-00-8`
Alternative APN	`11-18-5450-0002-00-8`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	2,197 sqft Living Area
1st Floor Area	2,180 sqft
Basement Area	2,018 sqft
Unfinished Basement	2,018 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1962
Architectural Style	Raised Ranch
Lot Area	19,558 sqft (0.449 acres)
Lot Dimensions	178 ft deep x 110 ft wide
Garage Area	540 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	296 SENECA RD
City	BENTON HARBOR
State	MI
Zip	49022-5637
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2 - SINGL
Legal Description	LOT 2 NOWLEN'S ADDITION TO INDIAN HILLS
Legal Subdivision	INDIAN HILLS
Legal Lot Number	2
Legal Unit	2
Jurisdiction	BERRIEN MI
Township / Civil Division	ST. JOSEPH
Census Block Group	1
Census Block	1010
Census Tract	700

Owner

296 Seneca Rd is owner-occupied and held in a trust since February 2018.

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

Owner of Record	Trust Name on File
Mailing Address	296 SENECA RD, BENTON HARBOR, MI 49022-5637
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

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 Names	Name on Deed
Last Sale	Jan 26, 2011 · Amount on File
Deed Sale	Jan 26, 2011 · Amount on File
Prior Sale	Mar 9, 2010 · Amount on File
Deed Book / Page	2946 / 3137
Last Transfer Date	Feb 9, 2018
Transfer Doc	03197/1561
Record Updated	Oct 29, 2026

February 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BERRIEN MI
Recording Date	Feb 15, 2018
Property Address	296 SENECA RD, BENTON HARBOR, MI 49022-5637
Document Number	03197/1561
Book / Page	3197 / 1561
Map Reference	LB17 PG42
Instrument Date	Feb 9, 2018
Transaction Type	Transfer
Record Updated	Nov 9, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	296 SENECA RD, BENTON HARBOR, MI 49022-5637

Mortgage

Document Number	0031971564
Date	Feb 15, 2018
Instrument	3197/1564

Lender

Name	MAIN STREET BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 296 Seneca Rd was $2,896 with a homeowner's exemption, up 3.6% 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		$158,900 (+4.82%)	$317,800 (+4.82%)
2025	$2,896.00 (+3.61%) Homeowner's exemption	$151,600	$303,200
2024	$2,795.00
2023		$91,900	$183,800
2022	$2,537.00

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

Flood

FEMA maps place 296 Seneca Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	9 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 296 Seneca Rd 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 96% of the US · lower than 91% of Michigan
Wildfire Likelihood	Under 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.

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

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Xfinity Cable	2,000 / 250
Starlink Satellite	280 / 30

May also be available: Verizon.

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