Berrien County property record for 304 State St, Saint Joseph, MI 49085
| Property Type | Retail Stores (Personal Services, Photography, Travel) |
|---|---|
| Details | 17,424 sqft |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | Company Name on File |
| Last Sale | $100 (Jan 1999) |
| Tax Bill | $21,487 (2025) |
| Deeds & Mortgages | Dec 2017 Mortgage Oct 2022 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 76-0340-0136-00-6 |
| Primary APN | 76-0340-0136-00-6 |
|---|---|
| Alternative APN |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 17,424 sqft Total Area |
| Fire Resistance | Masonry Walls, Wood Interior |
|---|---|
| Lot Area | 8,712 sqft (0.2 acres) |
| Lot Dimensions | 132 ft deep x 66 ft wide |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 304 STATE ST |
|---|---|
| City | SAINT JOSEPH |
| State | MI |
| Zip | 49085-1248 |
| Property Category | Commercial |
| Property Type | Commercial > Retail > Retail Stores (Personal Services, Photography, Travel) |
| Local Zoning Code | D |
| Legal Description | LOT 136 ORIGINAL PLAT OF CITY OF ST JOSEPH |
| Legal Subdivision | NEWBERRYPORT |
| Legal Lot Number | 136 |
| Legal Unit | 136 |
| Jurisdiction | BERRIEN MI |
| Township / Civil Division | ST. JOSEPH |
| Census Block Group | 2 |
| Census Block | 2008 |
| Census Tract | 801 |
304 State St, a commercial property, is owned by a company that acquired it in February 2003.
Source: Berrien County records, as of September 28, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 814 PORT ST, SAINT JOSEPH, MI 49085-1181 |
| Owner Type | Company |
| Vesting | Company |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Dec 20, 2017 | Deed of Trust, Mortgage · Commercial Mortgage CHEMICAL BANK |
| Oct 31, 2022 | Deed of Trust, Mortgage · Line of Credit STURGIS BANK & TRUST CO |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 15, 1999 · Amount on File |
| Deed Sale | Jan 15, 1999 · Amount on File |
| Prior Sale | Aug 6, 1997 |
| Deed Book / Page | 1945 / 266 |
| Last Transfer Date | Feb 24, 2003 |
| Transfer Doc | 2351002330 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERRIEN MI |
| Property Address | 304 STATE ST, SAINT JOSEPH, MI 49085-1248 |
| Transaction Type | Mortgage |
| Record Updated | Nov 9, 2023 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|
| Document Number | 03192/3092 |
|---|---|
| Date | Dec 20, 2017 |
| Book Page | 3192/3092 |
| Instrument | 3192-3092 |
| Name | CHEMICAL BANK |
|---|---|
| Type | Bank |
| Address | MIDLAND, MI 48640 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERRIEN MI |
| Property Address | 304 STATE ST, SAINT JOSEPH, MI 49085-1248 |
| Transaction Type | Mortgage |
| Record Updated | Nov 9, 2023 |
| Name | Verified Name |
|---|
| Document Number | 03390/1672 |
|---|---|
| Date | Oct 31, 2022 |
| Book Page | 3390/1672 |
| Instrument | 2022366015 |
| Name | STURGIS BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | STURGIS, MI 49091 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
The 2025 property tax bill for 304 State St was $21,487.
Source: Berrien County assessment roll, as of September 28, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Berrien County |
| Municipality | St. Joseph City |
| Unified School District | St. Joseph Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $579,800 | $1,159,600 | |
| 2025 | $21,487.00 | ||
| 2023 | $455,600 | $911,200 | |
| 2022 | $19,107.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 304 State St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective September 10, 2024
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
The area around 304 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 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 | ST JOSEPH serves 7,930 people · EPA ID MI0006310 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jun 2025 |
| Lead | 4 ppb (2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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 77 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless · Fiber in parts of the area | 100 / 20 |
May also be available: T-Mobile.
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