Berrien County property record for 320 Main St, Saint Joseph, MI 49085
| Property Type | Bank, Financial Building |
|---|---|
| Details | 2,531 sqft · built 1928 |
| Lot Size | 0.124 acres (5,401 sqft) |
| Owner | Company Name on File |
| Last Sale | $29,000 (Jan 1976) |
| Tax Bill | $14,920 (2025) |
| Deeds & Mortgages | Jan 2020 Sale Feb 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 76-0340-0199-00-8 |
| Primary APN | 76-0340-0199-00-8 |
|---|---|
| Alternative APN |
|
| Stories | 1 Story |
|---|---|
| Building Area | 2,531 sqft Total Area |
| Year Built | Built 1928 |
|---|---|
| Effective Year Built | Effective 1928 |
| Fire Resistance | Masonry Walls, Wood Interior |
| Lot Area | 5,401 sqft (0.124 acres) |
| Lot Dimensions | 82 ft deep x 66 ft wide |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 320 MAIN ST |
|---|---|
| City | SAINT JOSEPH |
| State | MI |
| Zip | 49085-1233 |
| Property Category | Commercial |
| Property Type | Commercial > Office > Bank, Financial Building |
| Local Zoning Code | D |
| Legal Description | THE SELY 82'OF LOT 199 ORIGINAL PLAT OF CITY OF ST JOSEPH WHOSE NWLY BDY IS PAR TO SELY BDY OF SD LOT 199 |
| Legal Subdivision | VILLAGE OF NEWBERRYPORT |
| Legal Lot Number | 199 |
| Jurisdiction | BERRIEN MI |
| Township / Civil Division | ST. JOSEPH |
| Census Block Group | 2 |
| Census Block | 2017 |
| Census Tract | 801 |
320 Main St, a commercial property, is owned by a company that bought it in January 1976.
Source: Berrien County records, as of September 28, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | PO BOX 600, STURGIS, MI 49091-0600 |
| Owner Type | Company |
| Vesting | Company |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jan 9, 2020 | Warranty Deed, Transfer VAN BUREN CNTY TITLE, VAN BUREN COUNTY TITLE |
| Feb 28, 2019 | Personal Representative Deed, Transfer · Commercial Mortgage UNITED FCU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 1, 1976 · Amount on File |
| Deed Sale | Jan 1, 1976 · Amount on File |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BERRIEN MI |
| Recording Date | Jan 9, 2020 |
| Property Address | 320 MAIN ST, SAINT JOSEPH, MI 49085-1233 |
| Document Number | 03261/3075 |
| Book / Page | 3261 / 3075 |
| Map Reference | LB H PG 564 |
| Instrument Date | Jan 7, 2020 |
| Transaction Type | Transfer |
| Record Updated | Nov 9, 2023 |
| Title Company | VAN BUREN CNTY TITLE, VAN BUREN COUNTY TITLE |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 523 LAKE ST, SAINT JOSEPH, MI 49085-1008 |
| Name | Verified Name |
|---|---|
| Address | 113 E CHICAGO RD # 125, 125, STURGIS, MI 49091-1754 |
| Document Type | Personal Representative Deed |
|---|---|
| Jurisdiction | BERRIEN MI |
| Recording Date | Feb 28, 2019 |
| Property Address | 320 MAIN ST, SAINT JOSEPH, MI 49085-1233 |
| Document Number | 03230/1283 |
| Book / Page | 3230 / 1283 |
| Instrument Date | Feb 20, 2019 |
| Transaction Type | Transfer |
| Record Updated | Nov 9, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 450 W 4TH ST, ROYAL OAK, MI 48067-2557 |
| Document Number | 0032301287 |
|---|---|
| Date | Feb 28, 2019 |
| Instrument | 3230/1287 |
| Name | UNITED FCU |
|---|---|
| Type | Credit Union |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 320 Main St was $14,920.
Source: Berrien County assessment roll, as of September 28, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Berrien County |
| Municipality | St. Joseph City |
| Unified School District | St. Joseph Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $280,500 | $561,000 | |
| 2025 | $14,920.00 | ||
| 2023 | $228,900 | $457,800 | |
| 2022 | $13,801.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 320 Main St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective September 10, 2024
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
The area around 320 Main St has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 702 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless · DSL · Fiber in parts of the area | 100 / 20 |
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