Berrien County property record for 320 State St, Saint Joseph, MI 49085
| Property Type | Fast Food Restaurant |
|---|---|
| Details | 7,326 sqft |
| Lot Size | 0.059 acres (2,570 sqft) |
| Owner | Company Name on File |
| Tax Bill | $16,149 (2025) |
| Deeds & Mortgages | May 2017 Line of Credit Sep 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 76-0340-0138-03-3 |
| Primary APN | 76-0340-0138-03-3 |
|---|---|
| Alternative APN |
|
| Stories | 1 Story |
|---|---|
| Building Area | 7,326 sqft Total Area |
| Fire Resistance | Masonry Walls, Wood Interior |
|---|---|
| Lot Area | 2,570 sqft (0.059 acres) |
| Lot Dimensions | 69 ft deep x 37 ft wide |
| Total Buildings | 2 Buildings |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 320 STATE ST |
|---|---|
| City | SAINT JOSEPH |
| State | MI |
| Zip | 49085-1248 |
| Property Category | Commercial |
| Property Type | Commercial > Retail > Fast Food Restaurant |
| Local Zoning Code | D |
| Legal Description | THE SWLY 37' OF LOT 138 & THE SELY 3' OF SWLY 38' OF LOT 139 ORIGINAL PLAT OF CITY OF ST JOSEPH ALL BOUNDARIES BEING PAR WITH LOT LINES |
| Legal Subdivision | NEWBERRYPORT |
| Legal Lot Number | 138-139 |
| Jurisdiction | BERRIEN MI |
| Township / Civil Division | ST. JOSEPH |
| Census Block Group | 2 |
| Census Block | 2008 |
| Census Tract | 801 |
320 State St, a commercial property, is owned by a company that acquired it in July 2013.
Source: Berrien County records, as of September 28, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | PO BOX 1110, MISHAWAKA, IN 46546-1110 |
| 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 |
|---|---|
| May 11, 2017 | Deed of Trust, Mortgage · Line of Credit EDGEWATER BANK |
| Sep 11, 2020 | Warranty Deed, Transfer · Commercial Mortgage EDGEWATER BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 31, 2013 |
| Deed Sale | Jul 31, 2013 |
| Prior Sale | Jan 26, 2011 · Amount on File |
| Deed Book / Page | 3045 / 2028 |
| Prior Transfer Date | Sep 29, 2004 |
| Prior Transfer Doc | 02614/0932 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERRIEN MI |
| Property Address | 320 STATE ST, SAINT JOSEPH, MI 49085-1248 |
| Transaction Type | Mortgage |
| Record Updated | Nov 9, 2023 |
| Name | Verified Name |
|---|
| Document Number | 03171/2647 |
|---|---|
| Date | May 11, 2017 |
| Book Page | 3171/2647 |
| Name | EDGEWATER BANK |
|---|---|
| Type | Bank |
| Address | SAINT JOSEPH, MI 49085 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BERRIEN MI |
| Recording Date | Sep 11, 2020 |
| Property Address | 320 STATE ST, SAINT JOSEPH, MI 49085-1248 |
| Document Number | 03290/1825 |
| Book / Page | 3290 / 1825 |
| Map Reference | VOL E PG 564 |
| Instrument Date | Sep 1, 2020 |
| Transaction Type | Transfer |
| Record Updated | Nov 9, 2023 |
| Title Company | CHICAGO TITLE/MI, CHICAGO TITLE OF MI INC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4443 DREXEL PL, STEVENSVILLE, MI 49127-9329 |
| Name | Verified Name |
|---|---|
| Address | 202 LINCOLNWAY E STE 100, 100, MISHAWAKA, IN 46544-2042 |
| Document Number | 0032901828 |
|---|---|
| Date | Sep 11, 2020 |
| Instrument | 3290/1828 |
| Name | EDGEWATER BANK |
|---|---|
| Type | Bank |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
The 2025 property tax bill for 320 State St was $16,149, up 2.6% from the year before.
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 | $357,100 (+15.83%) | $714,200 (+15.83%) | |
| 2025 | $16,149.00 (+2.62%) | $308,300 | $616,600 |
| 2024 | $15,737.00 | ||
| 2023 | $247,600 | $495,200 | |
| 2022 | $14,688.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 320 State 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 State 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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