3439 Michael, Saint Joseph, MI 49085 Property Records

Berrien County property record for 3439 Michael, Saint Joseph, MI 49085

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 3,802 sqft · built 2002
Lot Size	1.07 acres (46,871 sqft)
Owner	2 Individual Names on Record
Last Sale	$775,000 (May 2021)
Tax Bill	$302 (2022)
Deeds & Mortgages	Feb 2017 Line of Credit May 2021 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`17-7445-0009-00-2`

Property Details

APN / Parcel Number

Primary APN	`17-7445-0009-00-2`
Alternative APN	`11-17-7445-0009-00-2`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,802 sqft Living Area
1st Floor Area	2,316 sqft
Basement Area	1,836 sqft
Unfinished Basement	1,836 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Lot Area	46,871 sqft (1.07 acres)
Lot Depth	418 ft Depth
Garage Area	1,590 sqft
Parking Spaces	6 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3439 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 9 PINE RIDGE
Legal Subdivision	PINE RIDGE
Legal Lot Number	9
Legal Unit	9
Jurisdiction	BERRIEN MI
Township / Civil Division	ROYALTON
Census Block Group	3
Census Block	3001
Census Tract	1800

Owner

Source: Berrien County records, as of October 2, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	3439 MICHAEL, SAINT JOSEPH, MI 49085-8646
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 13, 2017	Deed of Trust, Mortgage · Line of Credit US BANK NA
May 26, 2021	Warranty Deed, Transfer · Conventional Mortgage MORTGAGE RESEARCH CENTER LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 26, 2021 · Amount on Record
Deed Sale	May 26, 2021 · Amount on Record
Prior Sale	Feb 16, 2001 · Amount on Record
Deed Book / Page	3329 / 914
Record Updated	Oct 29, 2026

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	3439 MICHAEL, SAINT JOSEPH, MI 49085-8646
Transaction Type	Mortgage
Record Updated	Nov 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	03163/0730
Date	Feb 13, 2017
Book Page	3163/0730

Lender

Name	US BANK NA
Type	Bank
Address	OSHKOSH, WI 54902

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Jan 23, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BERRIEN MI
Recording Date	May 26, 2021
Property Address	3439 MICHAEL, SAINT JOSEPH, MI 49085-8646
Document Number	003329/914
Book / Page	3329 / 914
Map Reference	LB 26 PG 2
Instrument Date	May 24, 2021
Transaction Type	Transfer
Record Updated	Nov 9, 2023
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6,665.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	3439 MICHAEL, SAINT JOSEPH, MI 49085-8646

Mortgage

Document Number	0003329915
Date	May 26, 2021
Instrument	3329/915

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2051

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Michigan
County	Berrien County
County Subdivision	Royalton Township
Unified School District	St. Joseph Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$419,800 (+6.33%)	$839,600 (+6.33%)
2023		$394,800	$789,600
2022	$302.00

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

Flood

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

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
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.

Wildfire

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

Wildfire Risk	Low lower than 95% of the US · lower than 89% of Michigan
Wildfire Likelihood	Under 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.

Internet Providers

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

Cell Coverage

5G (outdoors only) and 4G LTE

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