307 E Ann St, Centreville, MI 49032 Property Records

St. Joseph County property record for 307 E Ann St, Centreville, MI 49032

Property Summary

Property Type	Single Family Home
Details	3,412 sqft · built 1989
Lot Size	0.53 acres (23,087 sqft)
Owner	2 Individual Names on File
Last Sale	$160,000 (Dec 2025)
Tax Bill	$1,631 (2025)
Deeds & Mortgages	Dec 2025 Sale & Line of Credit Jan 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`042-040-021-00`

Property Details

APN / Parcel Number

Primary APN	`042-040-021-00`

Interior

Building Area	3,412 sqft Building Perimeter

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Lot Area	23,087 sqft (0.53 acres)

Location & Zoning

Street Address	307 E ANN ST
City	CENTREVILLE
State	MI
Zip	49032
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 2 BLK 55. ASSESSORS PLAT #1 VIL OF CENTREVILLE.
Legal Subdivision	VIL OF CENTREVILLE
Legal Block	55
Legal Lot Number	2
Jurisdiction	ST JOSEPH MI
Township / Civil Division	NOTTAWA
Census Block Group	2
Census Block	2033
Census Tract	41301

Owner

307 E Ann St is owned and occupied by two individuals who bought it in December 2025.

Source: St. Joseph County records, as of July 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	307 E ANN ST, CENTREVILLE, MI 49032
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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

Date	Document
Dec 22, 2025	Warranty Deed, Transfer · Line of Credit CENTURY BANK & TRUST
Jan 25, 2018	Warranty Deed, Transfer · Conventional Mortgage OAK MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 22, 2025 · Amount on File
Deed Sale	Dec 22, 2025 · Amount on File
Prior Sale	Jan 25, 2018 · Amount on File
Deed Document Number	20259972
Record Updated	Sep 20, 2026

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOSEPH MI
Recording Date	Dec 22, 2025
Property Address	307 E ANN ST, CENTREVILLE, MI 49032
Document Number	2025009972
Map Reference	LB 2 PG 60
Instrument Date	Dec 19, 2025
Instrument	2025009972
Transaction Type	Transfer
Record Updated	Jan 7, 2026
Title Company	PATRICK ABSTRACT AND TITLE OFFICE INC, PATRICK ABSTRACT & TTL OFFIC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,200.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5830 N 175 W, HOWE, IN 46746-9404

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	307 E ANN ST, CENTREVILLE, MI 49032

Mortgage

Document Number	2025009973
Date	Dec 22, 2025
Instrument	2025009973

Lender

Name	CENTURY BANK & TRUST
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

January 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOSEPH MI
Recording Date	Jan 25, 2018
Property Address	307 E ANN ST, CENTREVILLE, MI 49032
Document Number	1901/0573
Book / Page	1901 / 0573
Map Reference	LB2 PG60
Instrument Date	Jan 23, 2018
Instrument	1901-0573
Transaction Type	Transfer
Record Updated	Jul 22, 2021
Title Company	PATRICK ABSTRACT AND TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,204.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 592, PAW PAW, MI 49079

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5830 N 175 W, HOWE, IN 46746-9404

Mortgage

Document Number	19010575
Date	Jan 25, 2018
Instrument	1901-0575

Lender

Name	OAK MORTGAGE LLC
Type	Mortgage Company

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 307 E Ann St was $1,631, down 48.7% from the year before.

Source: St. Joseph County assessment roll, as of August 11, 2025

Property Jurisdictions

Type	Name
State	Michigan
Municipality	Centreville Village
County	St. Joseph County
County Subdivision	Nottawa Township
Unified School District	Centreville Public Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$88,000 (+4.76%)	$176,000 (+4.76%)
2025	$1,631.00 (-48.66%)	$84,000 Land $6,600 Building $77,400	$168,000 Land $13,200 Building $154,800
2024	$3,177.00

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

Flood

FEMA maps place 307 E Ann St in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective June 4, 2010 · 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 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 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 307 E Ann St 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 95% of the US · lower than 89% of Michigan
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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	CENTREVILLE serves 1,579 people · EPA ID MI0001310
Water Source	Groundwater
Last State Inspection	Sep 2023
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 238 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20
Mercury Fiber Fixed Wireless	150 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Midwest Energy & Communications.

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