3427 Easy St, Saint Joseph, MI 49085 Property Records

Berrien County property record for 3427 Easy St, Saint Joseph, MI 49085

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,249 sqft · built 2003
Lot Size	0.34 acres (14,810 sqft)
Owner	2 Individual Names on File
Last Sale	$385,000 (Jul 2026)
Tax Bill	$5,492 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Mar 2024 Second Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`18-1160-0016-00-5`

Property Details

APN / Parcel Number

Primary APN	`18-1160-0016-00-5`
Alternative APN	`11-18-1160-0016-00-5`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,249 sqft Living Area
1st Floor Area	1,227 sqft
Basement Area	1,227 sqft
Unfinished Basement	1,227 sqft

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Raised Ranch
Lot Area	14,810 sqft (0.34 acres)
Lot Depth	117 ft Depth
Garage Area	804 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3427 EASY ST
City	SAINT JOSEPH
State	MI
Zip	49085-3744
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2 - SINGL
Legal Description	LOT 16 CHARLES TRACE SUBDIVISION
Legal Subdivision	CHARLES TRACE SUBDIVISION
Legal Lot Number	16
Legal Unit	16
Jurisdiction	BERRIEN MI
Township / Civil Division	ST. JOSEPH
Census Block Group	2
Census Block	2007
Census Tract	1100

Owner

3427 Easy St is owned and occupied by two individuals who bought it in July 2026.

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

Owner of Record	2 Individual Names on File
Mailing Address	3427 EASY ST, SAINT JOSEPH, MI 49085-3744
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
Jul 27, 2026	Warranty Deed, Transfer · FHA Mortgage ROCKET MORTGAGE LLC
Mar 5, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage ROCKET MORTGAGE LLC
Sep 27, 2021	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Mar 31, 2020	Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 27, 2026 · Amount on File
Deed Sale	Jul 27, 2026 · Amount on File
Prior Sale	Nov 20, 2024
Deed Document Number	2026466680
Deed Book / Page	3483 / 2009
Record Updated	Oct 29, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BERRIEN MI
Recording Date	Jul 27, 2026
Property Address	3427 EASY ST, SAINT JOSEPH, MI 49085-3744
Document Number	0000466680
Book / Page	3483 / 2009
Instrument Date	Jul 24, 2026
Instrument	2026466680
Transaction Type	Transfer
Record Updated	Sep 21, 2026
Title Company	CHICAGO TITLE W, CHICAGO TITLE OF MICHIGAN

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$291,637.50
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3427 EASY ST, SAINT JOSEPH, MI 49085-3744

Mortgage

Document Number	0000466681,
Date	Jul 27, 2026
Instrument	2026466681

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2056

Interest

Max Rate	-1%

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	3427 EASY ST, SAINT JOSEPH, MI 49085-3744
Transaction Type	Mortgage
Record Updated	Mar 27, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3427 EASY ST, SAINT JOSEPH, MI 49085-3744

Mortgage

Document Number	03421/2918
Date	Mar 5, 2024
Book Page	3421/2918
Instrument	2024399213

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	240 Months
Due	Mar 1, 2044

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	3427 EASY ST, SAINT JOSEPH, MI 49085-3744
Transaction Type	Mortgage
Record Updated	Nov 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3427 EASY ST, SAINT JOSEPH, MI 49085-3744

Mortgage

Document Number	03345/3476
Date	Sep 27, 2021
Book Page	3345/3476

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Oct 1, 2036

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BERRIEN MI
Recording Date	Mar 31, 2020
Property Address	3427 EASY ST, SAINT JOSEPH, MI 49085-3744
Document Number	003270/743
Book / Page	3270 / 743
Map Reference	LB 26 PG 17
Instrument Date	Mar 26, 2020
Transaction Type	Transfer
Record Updated	Nov 9, 2023
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,978.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3427 EASY ST, SAINT JOSEPH, MI 49085-3744

Mortgage

Document Number	0003270744
Date	Mar 31, 2020
Instrument	3270/744

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 3427 Easy St was $5,492 with a homeowner's exemption.

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	St. Joseph Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$174,700	$349,400
2025	$5,492.00
2023		$119,800	$239,600
2022	$3,604.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 3427 Easy 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.

Wildfire

Wildfire risk around 3427 Easy St is low, with less than 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 97% of the US · lower than 93% of Michigan
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Mercury Fiber Fixed Wireless	150 / 20
AT&T DSL	100 / 20

May also be available: Verizon.

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