Berrien County property record for 297 Benjamin St, Benton Harbor, MI 49022
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3.5 ba · 1,523 sqft · built 1992 |
| Lot Size | 0.248 acres (10,803 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $187,500 (Jun 2019) |
| Tax Bill | $29 (2025) |
| Deeds & Mortgages | May 2017 Mortgage Feb 2021 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 18-2720-0001-00-2 |
| Primary APN | 18-2720-0001-00-2 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 1,523 sqft Living Area |
| 1st Floor Area | 1,523 sqft |
| Basement Area | 1,523 sqft |
| Unfinished Basement | 1,523 sqft |
| Year Built | Built 1992 |
|---|---|
| Effective Year Built | Effective 1992 |
| Architectural Style | Raised Ranch |
| Lot Area | 10,803 sqft (0.248 acres) |
| Lot Dimensions | 135 ft deep x 80 ft wide |
| Garage Area | 484 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 297 BENJAMIN ST |
|---|---|
| City | BENTON HARBOR |
| State | MI |
| Zip | 49022-6808 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 - SINGL |
| Legal Description | LOT 1 GERSONDE SUBDIVISION |
| Legal Subdivision | GERSONDE SUB |
| Legal Lot Number | 1 |
| Legal Unit | 1 |
| Jurisdiction | BERRIEN MI |
| Township / Civil Division | ST. JOSEPH |
| Census Block Group | 3 |
| Census Block | 3042 |
| Census Tract | 700 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 297 BENJAMIN ST, BENTON HARBOR, MI 49022-6808 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 24, 2017 | Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT |
| Feb 3, 2021 | Deed of Trust, Mortgage · VA Mortgage CLEARPATH LENDING |
| Feb 27, 2020 | Deed of Trust, Mortgage · VA Mortgage CLEARPATH LENDING |
| Jun 3, 2019 | Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC |
| Jan 16, 2019 | Sheriff's Deed, Foreclosure |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 3, 2019 · Amount on Record |
| Deed Sale | Jun 3, 2019 · Amount on Record |
| Prior Sale | Jun 3, 2019 · Amount on Record |
| Deed Book / Page | 3239 / 520 |
| Prior Transfer Date | Jan 10, 2019 |
| Prior Transfer Doc | 03227/1514 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERRIEN MI |
| Property Address | 297 BENJAMIN ST, BENTON HARBOR, MI 49022-6808 |
| Transaction Type | Mortgage |
| Record Updated | Nov 9, 2023 |
| Name | Verified Name |
|---|
| Document Number | 03172/3242 |
|---|---|
| Date | May 24, 2017 |
| Book Page | 3172/3242 |
| Name | SECRETARY HOUSING URBAN DEVELOPMENT |
|---|---|
| Type | Government Agency |
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERRIEN MI |
| Property Address | 297 BENJAMIN ST, BENTON HARBOR, MI 49022-6808 |
| Transaction Type | Mortgage |
| Record Updated | Nov 9, 2023 |
| Name | Verified Name |
|---|
| Document Number | 03311/3167 |
|---|---|
| Date | Feb 3, 2021 |
| Book Page | 3311/3167 |
| Name | CLEARPATH LENDING |
|---|---|
| Type | Lending Institution |
| Address | IRVINE, CA 92618 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 358 Months |
| Due | Dec 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERRIEN MI |
| Property Address | 297 BENJAMIN ST, BENTON HARBOR, MI 49022-6808 |
| Transaction Type | Mortgage |
| Record Updated | Nov 9, 2023 |
| Name | Verified Name |
|---|
| Document Number | 03266/1392 |
|---|---|
| Date | Feb 27, 2020 |
| Book Page | 3266/1392 |
| Name | CLEARPATH LENDING |
|---|---|
| Type | Lending Institution |
| Address | IRVINE, CA 92618 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BERRIEN MI |
| Recording Date | Jun 3, 2019 |
| Property Address | 297 BENJAMIN ST, BENTON HARBOR, MI 49022-6808 |
| Document Number | 03239/0520 |
| Book / Page | 3239 / 0520 |
| Map Reference | LB 16 PG 7 |
| Instrument Date | May 28, 2019 |
| Transaction Type | Transfer |
| Record Updated | Nov 9, 2023 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $22,031.25 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 297 BENJAMIN ST, BENTON HARBOR, MI 49022-6808 |
| Document Number | 0003239521 |
|---|---|
| Date | Jun 3, 2019 |
| Instrument | 3239/521 |
| Name | MORTGAGE RESEARCH CENTER LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2049 |
| Document Type | Sheriff's Deed |
|---|---|
| Jurisdiction | BERRIEN MI |
| Recording Date | Jan 16, 2019 |
| Property Address | 297 BENJAMIN ST, BENTON HARBOR, MI 49022-6808 |
| Document Number | 03227/1514 |
| Book / Page | 3227 / 1514 |
| Map Reference | VOL 16 PG 7 |
| Instrument Date | Jan 10, 2019 |
| Transaction Type | Foreclosure |
| Record Updated | Nov 9, 2023 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 4801 FREDERICA ST, OWENSBORO, KY 42301-7441 |
Source: Berrien County assessment roll, as of September 28, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Berrien County |
| County Subdivision | St. Joseph Charter Township |
| Unified School District | Benton Harbor Area Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $129,200 (+49.19%) | $258,400 (+49.19%) | |
| 2025 | $29.00 | ||
| 2023 | $86,600 | $173,200 | |
| 2022 | $29.00 |
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.
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 |
| Nearby Flood Claims | 1 (2018) |
| Most Recent Claim | Feb 2018 · river or lake flooding |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 438 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 |
| AT&T DSL · Fiber in parts of the area | 100 / 20 |
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