325 Seneca Rd, Benton Harbor, MI 49022 Property Records

Berrien County property record for 325 Seneca Rd, Benton Harbor, MI 49022

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,819 sqft · built 1900
Lot Size	10.3 acres (452,153 sqft)
Owner	Trust Name on File
Tax Bill	$3,496 (2025)
Deeds & Mortgages	Apr 2026 Line of Credit Apr 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`18-0125-0013-02-0`

Property Details

APN / Parcel Number

Primary APN	`18-0125-0013-02-0`
Alternative APN	`11-18-0125-0013-02-0`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	1,819 sqft Living Area
1st Floor Area	1,084 sqft
Basement Area	932 sqft
Unfinished Basement	932 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Cape Cod
Lot Area	452,153 sqft (10.3 acres)
Garage Area	720 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	325 SENECA RD
City	BENTON HARBOR
State	MI
Zip	49022-5638
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2 - SINGL
Legal Description	SPLIT/COMBINED ON 01/03/2019 FROM 18-0125-0013-01-1, 18-0125-0012-00-6, 18-0125-0043-00-9; COM 1529' W & 675.5'S OF SE COR OF NE QTR OF NE QTR OF SEC 25 T4S R19W TH W 245.3' TH N30 DEG 45'W TO W'LY LINE OF MIAMI ROAD IN PLAT OF INDIAN HILLS TH SW'LY
Legal Range	19W
Legal Township	04S
Legal Section	25
Legal Subdivision	INDIAN HILLS
Legal Lot Number	39
Legal Unit	39
Jurisdiction	BERRIEN MI
Township / Civil Division	ST. JOSEPH
Census Block Group	1
Census Block	1010
Census Tract	700

Owner

325 Seneca Rd is owner-occupied and held in a trust since August 2018.

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

Owner of Record	Trust Name on File
Mailing Address	325 SENECA RD, BENTON HARBOR, MI 49022-5638
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

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

Deeds, Mortgages & Sale History

Date	Document
Apr 10, 2026	Deed of Trust, Mortgage · Line of Credit ARBOR FINANCIAL CREDIT UNION
Apr 11, 2022	Deed of Trust, Mortgage · Conventional Mortgage ARBOR FINANCIAL CU
Sep 13, 2018	Intrafamily Transfer, Transfer
Sep 13, 2018	Intrafamily Transfer, Transfer · Line of Credit ARBOR FINANCIAL CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Aug 31, 2018
Transfer Doc	03216/3491
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Recording Date	Apr 10, 2026
Property Address	325 SENECA RD, BENTON HARBOR, MI 49022-5638
Document Number	0000458117
Book / Page	3474 / 3007
Instrument Date	Apr 3, 2026
Instrument	2026458117
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust, 165
Address	325 SENECA RD, BENTON HARBOR, MI 49022-5638

Mortgage

Document Number	0000458117,
Date	Apr 10, 2026
Book Page	3474/3007
Instrument	2026458117

Lender

Name	ARBOR FINANCIAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Apr 25, 2046

Interest

Rate	6%
Max Rate	-1%

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	325 SENECA RD, BENTON HARBOR, MI 49022-5638
Transaction Type	Mortgage
Record Updated	Nov 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	325 SENECA RD, BENTON HARBOR, MI 49022-5638

Mortgage

Document Number	03370/1875
Date	Apr 11, 2022
Book Page	3370/1875
Instrument	2022350034

Lender

Name	ARBOR FINANCIAL CU
Type	Credit Union
Address	KALAMAZOO, MI 49009

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	May 1, 2042

September 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BERRIEN MI
Recording Date	Sep 13, 2018
Property Address	325 SENECA RD, BENTON HARBOR, MI 49022-5638
Document Number	03217/0008
Book / Page	3217 / 0008
Instrument Date	Aug 31, 2018
Transaction Type	Transfer
Record Updated	Nov 9, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	325 SENECA RD, BENTON HARBOR, MI 49022-5638

September 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BERRIEN MI
Recording Date	Sep 13, 2018
Property Address	325 SENECA RD, BENTON HARBOR, MI 49022-5638
Document Number	03216/3491
Book / Page	3216 / 3491
Instrument Date	Aug 31, 2018
Transaction Type	Transfer
Record Updated	Nov 9, 2023
Title Company	CHICAGO TITLE MERIDIAN, CHICAGO TITLE OF MICHIGAN IN

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	325 SENECA RD, BENTON HARBOR, MI 49022-5638

Mortgage

Document Number	0000032171
Date	Sep 13, 2018
Instrument	3217/1

Lender

Name	ARBOR FINANCIAL CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Sep 25, 2038

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 325 Seneca Rd was $3,496 with a homeowner's exemption, up 18.4% from the year before.

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

Property Jurisdictions

Type	Name
State	Michigan
County	Berrien County
County Subdivision	St. Joseph Charter Township
Unified School District	Benton Harbor Area Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$141,300 (+3.9%)	$282,600 (+3.9%)
2025	$3,496.00 (+18.39%) Homeowner's exemption	$136,000	$272,000
2024	$2,953.00
2023		$98,500	$197,000
2022	$2,681.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 325 Seneca Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective September 10, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	9 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

Wildfire risk around 325 Seneca Rd is low, with a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · above 51% of Michigan
Wildfire Likelihood	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	SOUTHWEST MICHIGAN REGIONAL SANITARY SEW serves 26,780 people · EPA ID MI0003726
Water Source	Purchased surface water from ST JOSEPH
Last State Inspection	Feb 2025
Lead	1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 122 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Starlink Satellite	280 / 30

May also be available: AT&T.

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