309 Main St, Saint Joseph, MI 49085 Property Records

Berrien County property record for 309 Main St, Saint Joseph, MI 49085

Property Summary

Property Type	Retail Stores (Personal Services, Photography, Travel)
Details	6,831 sqft · built 1910
Lot Size	0.1 acres (4,356 sqft)
Owner	Company Name on Record
Last Sale	$165,000 (Nov 2003)
Tax Bill	$6,835 (2025)
Deeds & Mortgages	Oct 2021 Line of Credit Feb 2023 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`76-0340-0234-00-8`

Property Details

APN / Parcel Number

Primary APN	`76-0340-0234-00-8`
Alternative APN	`11-76-0340-0234-00-8`

Interior

Units	3 Units
Stories	2 Stories
Building Area	6,831 sqft Total Area

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Fire Resistance	Masonry Walls, Wood Interior
Lot Area	4,356 sqft (0.1 acres)
Lot Dimensions	132 ft deep x 33 ft wide
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	309 MAIN ST
City	SAINT JOSEPH
State	MI
Zip	49085-1795
Property Category	Commercial
Property Type	Commercial > Retail > Retail Stores (Personal Services, Photography, Travel)
Local Zoning Code	D
Legal Description	THE NELY 1/2 OF LOT 234 ORIGINAL PLAT OF CITY OF ST JOSEPH WHOSE SWLY BDY IS PAR TO NELY BDY OF SD LOT 234
Legal Subdivision	NEWBERRYPORT
Legal Lot Number	234
Jurisdiction	BERRIEN MI
Township / Civil Division	ST. JOSEPH
Census Block Group	1
Census Block	1019
Census Tract	802

Owner

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	Company Name on Record
Mailing Address	1117 BROAD ST, 2A, SAINT JOSEPH, MI 49085-2188
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Oct 25, 2021	Deed of Trust, Mortgage · Line of Credit STURGIS BANK & TRUST CO
Feb 22, 2023	Deed of Trust, Mortgage · Line of Credit STURGIS BANK & TRUST CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 13, 2003 · Amount on Record
Deed Sale	Nov 13, 2003 · Amount on Record
Prior Sale	Feb 7, 1994 · Amount on Record
Deed Book / Page	2452 / 1121
Last Transfer Date	Mar 7, 2016
Transfer Doc	03129/2513
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	309 MAIN ST, SAINT JOSEPH, MI 49085-1795
Transaction Type	Mortgage
Record Updated	Nov 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0003350/91
Date	Oct 25, 2021
Book Page	3350/91

Lender

Name	STURGIS BANK & TRUST CO
Type	Bank
Address	STURGIS, MI 49091

Agreement

Type	Line of Credit
Amount	Amount Recorded

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	309 MAIN ST, SAINT JOSEPH, MI 49085-1795
Transaction Type	Mortgage
Record Updated	Nov 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	03398/3669
Date	Feb 22, 2023
Book Page	3398/3669
Instrument	2023373333

Lender

Name	STURGIS BANK & TRUST CO
Type	Bank
Address	STURGIS, MI 49091

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	24 Months
Due	Feb 22, 2025

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Berrien County assessment roll, as of September 28, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Berrien County
Municipality	St. Joseph City
Unified School District	St. Joseph Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$275,500 (+46.46%)	$551,000 (+46.46%)
2025	$6,835.00 (+12.45%)
2023		$188,100	$376,200
2022	$6,078.00

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

Flood

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	2 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 98.4% 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	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

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 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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