3075 McLin Rd, Saint Joseph, MI 49085 Property Records

Berrien County property record for 3075 McLin Rd, Saint Joseph, MI 49085

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,361 sqft · built 1997
Lot Size	0.677 acres (29,490 sqft)
Owner	2 Individual Names on File
Last Sale	$400,100 (Jul 2021)
Tax Bill	$6,823 (2025)
Deeds & Mortgages	Apr 2009 Mortgage Jul 2006 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`18-8781-0029-00-9`

Property Details

APN / Parcel Number

Primary APN	`18-8781-0029-00-9`
Alternative APN	`11-18-8781-0029-00-9`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,361 sqft Living Area
1st Floor Area	1,134 sqft
Basement Area	1,134 sqft
Unfinished Basement	1,134 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Lot Area	29,490 sqft (0.677 acres)
Lot Dimensions	250 ft deep x 118 ft wide
Garage Area	456 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3075 MCLIN RD
City	SAINT JOSEPH
State	MI
Zip	49085-3547
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2 - SINGL
Legal Description	LOT 29 WESTWOOD HEIGHTS NO 2
Legal Subdivision	WESTWOOD HEIGHTS #2
Legal Lot Number	29
Legal Unit	29
Jurisdiction	BERRIEN MI
Township / Civil Division	ST. JOSEPH
Census Block Group	1
Census Block	1042
Census Tract	1100

Owner

3075 McLin Rd is owned by two individuals who bought it in July 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	3302 KINGSLEY AVE, ST JOSEPH, MI 49085
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
Apr 24, 2009	Deed of Trust, Mortgage WELLS FARGO BANK NA
Jul 27, 2006	Deed of Trust, Mortgage WELLS FARGO BANK NA
Jan 21, 2026	Warranty Deed, Transfer · Conventional Mortgage UNITED FCU
Jul 1, 2021	Warranty Deed, Transfer · Conventional Mortgage HORIZON BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 1, 2021 · Amount on File
Deed Sale	Jul 1, 2021 · Amount on File
Prior Sale	Jul 21, 2009 · Amount on File
Deed Book / Page	3334 / 1132
Prior Transfer Date	Aug 12, 2003
Prior Transfer Doc	2422001947
Record Updated	Oct 29, 2026

April 2009: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	3075 MCLIN RD, SAINT JOSEPH, MI 49085-3547
Transaction Type	Mortgage
Record Updated	Feb 11, 2026
Title Company	LSI

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02881/2162
Date	Apr 24, 2009
Book Page	2881/2162

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	MINNEAPOLIS, MN 55435

Agreement

Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2039

July 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	3075 MCLIN RD, SAINT JOSEPH, MI 49085-3547
Transaction Type	Mortgage
Record Updated	Feb 11, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	02729/1185
Date	Jul 27, 2006
Book Page	2729/1185

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	101 N PHILLIPS AVE, SIOUX FALLS, SD 57104

Agreement

Amount	Amount on Record
Term	60 Months
Due	Jul 20, 2011

January 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BERRIEN MI
Recording Date	Jan 21, 2026
Property Address	3075 MCLIN RD, SAINT JOSEPH, MI 49085-3547
Document Number	03468/3544
Book / Page	3468 / 3544
Map Reference	LB 25 PG 19
Instrument Date	Jan 16, 2026
Instrument	2026450349
Transaction Type	Transfer
Record Updated	Feb 11, 2026
Title Company	CHICAGO TITLE MERIDIAN, CHICAGO TITLE OF MI INC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3302 KINGSLEY AVE, ST JOSEPH, MI 49085

Mortgage

Document Number	0034683547
Date	Jan 21, 2026
Instrument	3468/3547

Lender

Name	UNITED FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2056

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BERRIEN MI
Recording Date	Jul 1, 2021
Property Address	3075 MCLIN RD, SAINT JOSEPH, MI 49085-3547
Document Number	03334/1132
Book / Page	3334 / 1132
Map Reference	LB 25 PG 19
Instrument Date	Jun 18, 2021
Transaction Type	Transfer
Record Updated	Nov 9, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,444.30
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	3075 MCLIN RD, SAINT JOSEPH, MI 49085-3547

Mortgage

Document Number	0003334820
Date	Jul 1, 2021
Instrument	3334/820

Lender

Name	HORIZON BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 3075 McLin Rd was $6,823, up 3.2% 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	St. Joseph Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$274,500 (+1.74%)	$549,000 (+1.74%)
2025	$6,823.00 (+3.16%) Homeowner's exemption	$269,800	$539,600
2024	$6,614.00
2023		$231,200	$462,400
2022	$6,004.00

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

Flood

FEMA maps place 3075 McLin Rd in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 2009.

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	8 in force
Nearby Flood Claims	5 (2009–2020)
Claims Outside the SFHA	4 of 5
Most Recent Claim	May 2020 · 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.

Wildfire

Wildfire risk around 3075 McLin 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 98% of the US · lower than 95% 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 224 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Mercury Fiber Fixed Wireless	150 / 20

May also be available: AT&T, Verizon.

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