Berrien County property record for 316 Ridgeway St, Saint Joseph, MI 49085 · Last verified June 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bathrooms | 2.5 Baths |
| Year Built | Built 2017 |
| Square Footage | 2,575 sqft Living Area |
| Lot Size | 57,804 sqft (1.32 acres) |
| Garage | 590 sqft |
| Occupancy | Owner Occupied |
| Last Sale | $480,000 (1994) |
| Tax Bill | $26,903.00 (2025) |
| Primary APN | 76-1900-0085-01-5 |
|---|---|
| Alternative APN |
|
| Full Baths | 2.5 Baths |
|---|---|
| Partial Baths | 1 Partial Baths |
| Building Area | 2,575 sqft Living Area |
| 1st Floor | 2,575 sqft 1st Floor |
| Basement Area | 815 sqft Basement |
| Stories | 2 Stories |
| Year Built | Built 2017 |
|---|---|
| Effective Year Built | Effective 2017 |
| Lot Area | 57,804 sqft (1.32 acres) |
| Depth X Width | 680 ft x 85 ft Depth x Width |
| Parking Spaces | 2 Parking Spaces |
| Garage Area | 590 sqft Garage |
| Cooling System | HVAC Cooling |
|---|---|
| Heating System | Forced Air with Air Conditioning Heating |
| Street Address | 316 RIDGEWAY ST |
|---|---|
| City | SAINT JOSEPH |
| State | MI |
| Zip | 49085-1049 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | LOT 85 EDGEWATER ADD TO CITY OF ST JOSEPH EXC THE NLY 15' THEREOF ALSO PT OF SEC 14 T4S R19W COM AT SW COR LOT 85 TH NELY |
| Legal Range | 19W |
| Legal Township | 04S |
| Legal Section | 14 |
| Legal Subdivision | EDGEWATER |
| Legal Lot Number | 85 |
| Jurisdiction | BERRIEN MI |
| Minor Civil Division | ST. JOSEPH |
| Census Blockgroup | 1 |
| Census Block | 1014 |
| Census Tract | 801 |
Source: Berrien County records · APN 76-1900-0085-01-5
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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 1884 W MARTANA ST, CHICAGO, IL 60614 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Vesting | Life Estate |
| Date | Document |
|---|---|
| May 01, 2023 | Deed of Trust, Mortgage · Conventional Mortgage MORGAN STANLEY PRIVATE BANK NA |
| Feb 04, 2011 | Deed of Trust, Mortgage · Conventional Mortgage MORGAN STANLEY CREDIT CORPORATION |
| Aug 26, 2025 | Deed of Trust, Mortgage · Conventional Mortgage MORGAN STANLEY PRIVATE BANK NA |
| Jul 12, 2007 | Deed of Trust, Mortgage MORGAN STANLEY DEAN WITTER CREDIT CORP |
| Apr 02, 2026 | Deed, Transfer NONE LISTED ON DOCUMENT |
| Apr 02, 2026 | Warranty Deed, Transfer NONE LISTED ON DOCUMENT |
| Apr 11, 2006 | Intrafamily Transfer, Transfer |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jul 08, 1994 · Amount on Record |
| Deed Sale | Jul 08, 1994 · Amount on Record |
| Deed Book / Page | 1648 / 1502 |
| Last Transfer Date | Mar 23, 2026 |
| Transfer Doc | 0000457554 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERRIEN MI |
| Property Address | 316 RIDGEWAY ST, SAINT JOSEPH, MI 49085-1049 |
| Transaction Type | Mortgage |
| Record Updated | May 05, 2026 |
| Title Company | BOSTON NATIONAL TITLE AGENCY |
| Name | Verified Name |
|---|---|
| Address | 316 RIDGEWAY ST, SAINT JOSEPH, MI 49085-1049 |
| Document Number | 003403/793 |
|---|---|
| Date | May 01, 2023 |
| Book Page | 3403/793 |
| Instrument | 2023379792 |
| Name | MORGAN STANLEY PRIVATE BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45245 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 01, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.6% |
| Adjustable | Document includes a rider for adjustable-rate mortgage with a specific rate change date. |
| Type Change Date | May 01, 2033 |
| Change Frequency | Annually |
| Min Rate At Change | 3% |
| Max Rate At Change | 10.6% |
| Index | Other |
| Margin | 3 |
| Max Rate | 10.6% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERRIEN MI |
| Property Address | 316 RIDGEWAY ST, SAINT JOSEPH, MI 49085-1049 |
| Transaction Type | Mortgage |
| Record Updated | May 05, 2026 |
| Name | Verified Name |
|---|
| Document Number | 02947/3028 |
|---|---|
| Date | Feb 04, 2011 |
| Book Page | 2947/3028 |
| Name | MORGAN STANLEY CREDIT CORPORATION |
|---|---|
| Type | Non-Lending Institution |
| Address | VERNON HILLS, IL 60061 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Jan 01, 2041 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERRIEN MI |
| Property Address | 316 RIDGEWAY ST, SAINT JOSEPH, MI 49085-1049 |
| Transaction Type | Mortgage |
| Record Updated | May 05, 2026 |
| Name | Verified Name |
|---|
| Document Number | 03458/2092 |
|---|---|
| Date | Aug 26, 2025 |
| Book Page | 3458/2092 |
| Instrument | 2025440324 |
| Name | MORGAN STANLEY PRIVATE BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45245 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 01, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.7% |
| Adjustable | Document includes a rider for adjustable-rate mortgage with a specific rate change date. |
| Type Change Date | Sep 01, 2032 |
| Change Frequency | 6 Months |
| Min Rate At Change | 3% |
| Max Rate At Change | 10.7% |
| Index | SOFR Average 30-Day |
| Margin | 3 |
| Max Rate | 10.7% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERRIEN MI |
| Property Address | 316 RIDGEWAY ST, SAINT JOSEPH, MI 49085-1049 |
| Transaction Type | Mortgage |
| Record Updated | May 05, 2026 |
| Title Company | FISERV LENDING SOLUTIONS |
| Name | Verified Name |
|---|
| Document Number | 02800/1124 |
|---|---|
| Date | Jul 12, 2007 |
| Book Page | 2800/1124 |
| Name | MORGAN STANLEY DEAN WITTER CREDIT CORP |
|---|---|
| Type | Mortgage Company |
| Address | DEERFIELD, IL 60015 |
| Amount | Amount Recorded |
|---|---|
| Term | 119 Months |
| Due | Jun 26, 2017 |
| Document Type | Deed |
|---|---|
| Jurisdiction | BERRIEN MI |
| Recording Date | Apr 02, 2026 |
| Property Address | 316 RIDGEWAY ST, SAINT JOSEPH, MI 49085-1049 |
| Document Number | 0000457554 |
| Book / Page | 3474 / 377 |
| Instrument Date | Mar 23, 2026 |
| Instrument | 2026457554 |
| Transaction Type | Transfer |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 316 RIDGEWAY ST, SAINT JOSEPH, MI 49085-1049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BERRIEN MI |
| Recording Date | Apr 02, 2026 |
| Property Address | 316 RIDGEWAY ST, SAINT JOSEPH, MI 49085-1049 |
| Document Number | 0000457555 |
| Book / Page | 3474 / 379 |
| Instrument Date | Mar 23, 2026 |
| Instrument | 2026457555 |
| Transaction Type | Transfer |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Life Estate |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | BERRIEN MI |
| Recording Date | Apr 11, 2006 |
| Property Address | 316 RIDGEWAY ST, SAINT JOSEPH, MI 49085-1049 |
| Document Number | 02702/0526 |
| Book / Page | 2702 / 0526 |
| Map Reference | MB4 PG52 |
| Instrument Date | Mar 18, 2006 |
| Transaction Type | Transfer |
| Record Updated | May 05, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 11 WOODLEY RD, WINNETKA, IL 60093-3735 |
| Name | Verified Name |
|---|---|
| Address | 11 WOODLEY RD, WINNETKA, IL 60093-3735 |
Source: Berrien County records · Assessment roll updated June 5, 2026 · Last verified June 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Berrien County |
| Municipality | St. Joseph City |
| Unified School District | St. Joseph Public Schools (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $995,300 (-16.39%) | $1,990,600 (-16.39%) | |
| 2025 | $26,903.00 (+2.45%) Homeowner's exemption | $1,190,400 (+16.59%) | $2,380,800 (+16.59%) |
| 2024 | $26,260.00 (+9.26%) | ||
| 2023 | $1,021,000 | $2,042,000 | |
| 2022 | $24,034.00 |
Source: FEMA National Flood Hazard Layer, Berrien County (26021C), updated September 10, 2024 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
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