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3123 Ravine Dr, Saint Joseph, MI 49085 Property Records

Berrien County property record for 3123 Ravine Dr, Saint Joseph, MI 49085

Property Summary

Property TypeSingle Family Home
Details3 bd · 3 ba · 1,824 sqft · built 1910
Lot Size1.18 acres (51,401 sqft)
OwnerIndividual Name on Record
Last Sale$360,000 (Apr 2025)
Tax Bill$4,762 (2025)
Deeds & MortgagesJul 2026 Mortgage
Aug 2022 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN18-0003-0017-01-9

Property Details

APN / Parcel Number

Primary APN18-0003-0017-01-9
Alternative APN
  • 11-18-0003-0017-01-9

Interior

Bedrooms3 Beds
Full Baths3 Baths
Building Area1,824 sqft Living Area
1st Floor Area1,344 sqft
Basement Area240 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1910
Effective Year BuiltEffective 1910
Architectural StyleRaised Ranch
Lot Area51,401 sqft (1.18 acres)
Lot Dimensions258 ft deep x 200 ft wide
Garage Area992 sqft
Parking Spaces4 Parking Spaces

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C

Location & Zoning

Street Address3123 RAVINE DR
CitySAINT JOSEPH
StateMI
Zip49085-9402
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR2 - SINGL
Legal DescriptionCOM 1306' S OF E QTR POST OF SEC 3 T5S R19W TH S 200' TH W 308' TH NORTH 200' TH E 308' TO POB EXC TH E 50' THEREOF FOR HWY R/W PER 888/83
Legal Range19W
Legal Township05S
Legal Section03
JurisdictionBERRIEN MI
Township / Civil DivisionST. JOSEPH
Census Block Group2
Census Block2000
Census Tract1300

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of RecordIndividual Name on Record
Mailing Address3123 RAVINE DR, SAINT JOSEPH, MI 49085-9402
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jul 7, 2026Deed of Trust, Mortgage · VA Mortgage
SWIFT HOME LOANS INC
Aug 23, 2022Warranty Deed, Transfer · VA Mortgage
GUARANTEED RATE INC

Assessor's Deed Record

Deed NamesName on Deed
Last SaleApr 3, 2025 · Amount on Record
Deed SaleApr 3, 2025 · Amount on Record
Prior SaleAug 23, 2022 · Amount on Record
Deed Document Number2025429601
Deed Book / Page3447 / 2862
Record UpdatedOct 29, 2026

July 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionBERRIEN MI
Recording DateJul 7, 2026
Property Address3123 RAVINE DR, SAINT JOSEPH, MI 49085-9402
Document Number0000465048
Book / Page3481 / 3445
Instrument DateJun 30, 2026
Instrument2026465048
Transaction TypeMortgage
Record UpdatedJul 22, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

NameVerified Name
Address3123 RAVINE DR, SAINT JOSEPH, MI 49085-9402

Mortgage

Document Number0000465048,
DateJul 7, 2026
Book Page3481/3445
Instrument2026465048
Lender
NameSWIFT HOME LOANS INC
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term360 Months
DueAug 1, 2056
Interest
Rate6.48%
Max Rate-1%

August 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBERRIEN MI
Recording DateAug 23, 2022
Property Address3123 RAVINE DR, SAINT JOSEPH, MI 49085-9402
Document Number03383/2913
Book / Page3383 / 2913
Instrument DateAug 15, 2022
Instrument2022360822
Transaction TypeTransfer
Record UpdatedNov 9, 2023
Title CompanyACCOMODATION, ACCOMMODATION

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$2,493.75
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants by the Entirety
Address3123 RAVINE DR, SAINT JOSEPH, MI 49085-9402

Mortgage

Document Number0033832915
DateAug 23, 2022
Instrument3383-2915
Lender
NameGUARANTEED RATE INC
TypeMortgage Company
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term361 Months
DueSep 1, 2052

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateMichigan
CountyBerrien County
County SubdivisionSt. Joseph Charter Township
Unified School DistrictSt. Joseph Public Schools (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$149,400 (+8.18%)$298,800 (+8.18%)
2025$4,762.00 (+32.17%)
2023$138,100$276,200
2022$3,603.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective September 10, 2024

FEMA Flood ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 100 ft
Flood Insurance RequirementNot required
lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

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

Wildfire RiskLow
lower than 96% of the US · lower than 91% of Michigan
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
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 SystemSOUTHWEST MICHIGAN REGIONAL SANITARY SEW
serves 26,780 people · EPA ID MI0003726
Water SourcePurchased surface water from ST JOSEPH
Last State InspectionFeb 2025
Lead1 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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 184 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable		2,000 / 250
Verizon
Fixed Wireless		300 / 20
T-Mobile
Fixed Wireless		100 / 20

May also be available: AT&T, Mercury Fiber.

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