Berrien County property record for 3432 Michael, Saint Joseph, MI 49085
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,893 sqft · built 2003 |
| Lot Size | 0.454 acres (19,776 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $450,000 (Jun 2021) |
| Tax Bill | $4,914 (2025) |
| Deeds & Mortgages | Oct 2017 Mortgage Jun 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 17-7445-0008-00-6 |
| Primary APN | 17-7445-0008-00-6 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 2 Half Baths |
| Stories | 2 Stories |
| Building Area | 1,893 sqft Living Area |
| 1st Floor Area | 928 sqft |
| Basement Area | 928 sqft |
| Unfinished Basement | 928 sqft |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| Lot Area | 19,776 sqft (0.454 acres) |
| Lot Depth | 167 ft Depth |
| Garage Area | 704 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 3432 MICHAEL |
|---|---|
| City | SAINT JOSEPH |
| State | MI |
| Zip | 49085-8646 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 - LD |
| Legal Description | LOT 8 PINE RIDGE |
| Legal Subdivision | PINE RDG |
| Legal Lot Number | 8 |
| Legal Unit | 8 |
| Jurisdiction | BERRIEN MI |
| Township / Civil Division | ROYALTON |
| Census Block Group | 3 |
| Census Block | 3001 |
| Census Tract | 1800 |
Source: Berrien County records, as of September 28, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 3432 MICHAEL, SAINT JOSEPH, MI 49085-8646 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 31, 2017 | Deed of Trust, Mortgage · Conventional Mortgage UNITED FCU |
| Jun 25, 2021 | Warranty Deed, Transfer · Conventional Mortgage FLAGSTAR BANK FSB |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 25, 2021 · Amount on Record |
| Deed Sale | Jun 25, 2021 · Amount on Record |
| Prior Sale | Sep 3, 2002 · Amount on Record |
| Deed Book / Page | 3333 / 1217 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERRIEN MI |
| Property Address | 3432 MICHAEL, SAINT JOSEPH, MI 49085-8646 |
| Transaction Type | Mortgage |
| Record Updated | Nov 9, 2023 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|
| Document Number | 03188/0769 |
|---|---|
| Date | Oct 31, 2017 |
| Book Page | 3188/0769 |
| Instrument | 3188-0769 |
| Name | UNITED FCU |
|---|---|
| Type | Credit Union |
| Address | SAINT JOSEPH, MI 49085 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Nov 1, 2037 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BERRIEN MI |
| Recording Date | Jun 25, 2021 |
| Property Address | 3432 MICHAEL, SAINT JOSEPH, MI 49085-8646 |
| Document Number | 03333/1217 |
| Book / Page | 3333 / 1217 |
| Map Reference | LB 26 PG 02 |
| Instrument Date | Jun 18, 2021 |
| Transaction Type | Transfer |
| Record Updated | Nov 9, 2023 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN T ITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,870.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3432 MICHAEL, SAINT JOSEPH, MI 49085-8646 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 3432 MICHAEL, SAINT JOSEPH, MI 49085-8646 |
| Document Number | 0033331219 |
|---|---|
| Date | Jun 25, 2021 |
| Instrument | 3333/1219 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2051 |
Source: Berrien County assessment roll, as of September 28, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Berrien County |
| County Subdivision | Royalton Township |
| Unified School District | St. Joseph Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $207,200 | $414,400 | |
| 2025 | $4,914.00 |
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.
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 AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 17 policies |
| Nearby Flood Policies | 17 in force |
| Nearby Flood Claims | 43 (1978–2018) |
| Claims Outside the SFHA | 11 of 43 |
| Most Recent Claim | Mar 2018 · river or lake flooding |
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.
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.
Source: FCC Broadband Data Collection, based on 74 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| Mercury Fiber Fixed Wireless | 150 / 20 |
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