314 E Main St, Centreville, MI 49032 Property Records

St. Joseph County property record for 314 E Main St, Centreville, MI 49032

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,830 sqft
Lot Size	0.38 acres (16,553 sqft)
Owner	2 Individual Names on Record
Last Sale	$58,000 (May 2000)
Tax Bill	$951 (2025)
Deeds & Mortgages	Sep 2026 Line of Credit Apr 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`042-130-203-00`

Property Details

APN / Parcel Number

Primary APN	`042-130-203-00`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Building Area	1,830 sqft Building Perimeter
1st Floor Area	1,108 sqft
Basement Area	772 sqft
Unfinished Basement	772 sqft

Exterior

Lot Area	16,553 sqft (0.38 acres)
Garage Area	480 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	314 E MAIN ST
City	CENTREVILLE
State	MI
Zip	49032-9618
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	W 1/2 OF LOT 3 & LOT 4 BLK 63. TALBOTS ADD. VIL OF CENTREVILLE.
Legal Subdivision	VIL OF CENTREVILLE
Legal Block	63
Legal Lot Number	3-4
Jurisdiction	ST JOSEPH MI
Township / Civil Division	NOTTAWA
Census Block Group	2
Census Block	2068
Census Tract	41301

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	314 E MAIN ST, CENTREVILLE, MI 49032-9618
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 8, 2026	Deed of Trust, Mortgage · Line of Credit MICHIGAN STATE HSNG DEV AUTH
Apr 4, 2019	Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB
Mar 15, 2019	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 16, 2000 · Amount on Record
Deed Sale	May 16, 2000 · Amount on Record
Prior Sale	Feb 19, 2000
Deed Book / Page	936 / 839
Last Transfer Date	Mar 15, 2019
Transfer Doc	1950/0925
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH MI
Recording Date	Sep 8, 2026
Property Address	314 E MAIN ST, CENTREVILLE, MI 49032-9618
Document Number	0000007254
Instrument Date	Aug 31, 2026
Instrument	20267254
Transaction Type	Mortgage
Record Updated	Sep 16, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	314 E MAIN ST, CENTREVILLE, MI 49032-9618

Mortgage

Document Number	0000007254,
Date	Sep 8, 2026
Instrument	20267254

Lender

Name	MICHIGAN STATE HSNG DEV AUTH

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Max Rate	-1%

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH MI
Property Address	314 E MAIN ST, CENTREVILLE, MI 49032-9618
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1953/0425
Date	Apr 4, 2019
Book Page	1953/0425

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2049

March 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST JOSEPH MI
Recording Date	Mar 15, 2019
Property Address	314 E MAIN ST, CENTREVILLE, MI 49032-9618
Document Number	1950/0925
Book / Page	1950 / 0925
Instrument Date	Mar 15, 2019
Transaction Type	Transfer
Record Updated	Jul 22, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	314 E MAIN ST, 314, CENTREVILLE, MI 49032-9618

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	314 E MAIN ST, CENTREVILLE, MI 49032-9618

Tax Assessment & Valuation

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		$70,600 (-11.53%)	$141,200 (-11.53%)
2025	$951.00 Homeowner's exemption	$79,800 Building $79,800	$159,600 Building $159,600

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 June 4, 2010 · 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	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

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	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 64 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Midwest Energy & Communications Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Mercury Fiber Fixed Wireless	150 / 20

May also be available: AT&T, Frontier, T-Mobile.

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