3100 E Main St, Benton Harbor, MI 49022 Property Records

Berrien County property record for 3100 E Main St, Benton Harbor, MI 49022 · Last verified June 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,404 sqft · built 1999
Lot Size	4.99 acres (217,364 sqft)
Owner	Individual Name on File
Last Sale	$160,500 (Jun 2018)
Deeds & Mortgages	Apr 2009 Mortgage Dec 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`03-0015-0035-10-3`

Property Details

APN / Parcel Number

Primary APN	`03-0015-0035-10-3`
Alternative APN	`11-03-0015-0035-10-3`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	1,404 sqft Living Area
1st Floor Area	1,404 sqft

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Raised Ranch
Lot Area	217,364 sqft (4.99 acres)
Garage Area	1,680 sqft
Parking Spaces	6 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3100 E MAIN ST
City	BENTON HARBOR
State	MI
Zip	49022-9757
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COM AT THE SE COR SEC 15 T4S R18W TH N89DEG52'22W 651.30' TH N 668.80' TO POB TH N89DEG52'22"W 361.54' TH N00DEG00'26"W
Legal Range	18W
Legal Township	04S
Legal Section	15
Jurisdiction	BERRIEN MI
Township / Civil Division	BENTON
Census Block Group	1
Census Block	1038
Census Tract	2400

Owner

Source: Berrien County records · APN 03-0015-0035-10-3

Assessment roll updated June 5, 2026 · Last verified June 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 File
Mailing Address	3100 E MAIN ST, BENTON HARBOR, MI 49022-9757
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 27, 2009	Deed of Trust, Mortgage · FHA Mortgage CHEMICAL BANK
Dec 16, 2020	Deed of Trust, Mortgage · Conventional Mortgage HONOR CU
Dec 03, 2012	Deed of Trust, Mortgage CHEMICAL BANK
Jun 19, 2018	Warranty Deed, Transfer · Conventional Mortgage HONOR CU
Oct 04, 2007	Warranty Deed, Transfer · ARM CHEMICAL BANK

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jun 19, 2018 · Amount on Record
Deed Sale	Jun 19, 2018 · Amount on Record
Prior Sale	Jun 19, 2018 · Amount on Record
Deed Book / Page	3209 / 104
Record Updated	Sep 20, 2026

April 2009: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	3100 E MAIN ST, BENTON HARBOR, MI 49022-9757
Transaction Type	Mortgage
Record Updated	Jun 08, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02881/2993
Date	Apr 27, 2009
Book Page	2881/2993

Lender

Name	CHEMICAL BANK
Type	Bank
Address	CALEDONIA, MI 49316

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	181 Months
Due	May 01, 2024

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	3100 E MAIN ST, BENTON HARBOR, MI 49022-9757
Transaction Type	Mortgage
Record Updated	Jun 08, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	03304/3274
Date	Dec 16, 2020
Book Page	3304/3274

Lender

Name	HONOR CU
Type	Credit Union
Address	BERRIEN SPRINGS, MI 49103

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 01, 2051

December 2012: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	3100 E MAIN ST, BENTON HARBOR, MI 49022-9757
Transaction Type	Mortgage
Record Updated	Jun 08, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	03017/3334
Date	Dec 03, 2012
Book Page	3017/3334

Lender

Name	CHEMICAL BANK
Type	Bank
Address	MIDLAND, MI 48640

Agreement

Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BERRIEN MI
Recording Date	Jun 19, 2018
Property Address	3100 E MAIN ST, BENTON HARBOR, MI 49022-9745
Document Number	03209/0104
Book / Page	3209 / 0104
Instrument Date	Jun 12, 2018
Transaction Type	Transfer
Record Updated	Nov 09, 2023
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,380.30
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	3100 E MAIN ST, BENTON HARBOR, MI 49022-9745

Mortgage

Document Number	0003209106
Date	Jun 19, 2018
Instrument	3209/106

Lender

Name	HONOR CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 01, 2048

October 2007: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BERRIEN MI
Recording Date	Oct 04, 2007
Property Address	3100 E MAIN ST, BENTON HARBOR, MI 49022-9757
Document Number	02812/2396
Book / Page	2812 / 2396
Instrument Date	Sep 26, 2007
Transaction Type	Transfer
Record Updated	Jun 08, 2026
Title Company	CHICAGO TITLE MERIDIAN, CHICAGO TITLE OF MICHIGAN

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,161.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3100 E MAIN ST, BENTON HARBOR, MI 49022-9757

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3100 E MAIN ST, BENTON HARBOR, MI 49022-9757

Mortgage

Document Number	0028122398
Date	Oct 04, 2007
Instrument	2812/2398

Lender

Name	CHEMICAL BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Oct 01, 2037

Interest

Rate Type	Adjustable Rate
Rate	7%
Adjustable	Adjustable Rate Rider
Change Frequency	Annually
Min Rate At Change	5%
Max Rate At Change	9%
Index	1-Year T-Bill
Max Rate	13%

Tax Assessment & Valuation

Source: Berrien County records · Assessment roll updated June 5, 2026 · Last verified June 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Berrien County
County Subdivision	Benton Charter Township
Unified School District	Benton Harbor Area Schools (PK - 12)

Tax Bill & Assessment History

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

Year	Assessed Value	Assessed Market Value
2026	$110,700 (+19.81%)	$221,400 (+19.81%)
2023	$92,400	$184,800

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Berrien County (26021C), updated September 10, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 260210024001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearby Flood Claims	1 (1983)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Apr 1983, rainfall accumulation

Wildfire

Wildfire Risk	Low above 5% of the US · above 11% of Michigan
Wildfire Likelihood	Less than 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 21 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Verizon	Fixed Wireless	300 / 20
T-Mobile USA	Fixed Wireless	100 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: Xfinity, AT&T. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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