3451 Bridle Path, Saint Joseph, MI 49085 Property Records

Berrien County property record for 3451 Bridle Path, Saint Joseph, MI 49085

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,246 sqft · built 1991
Lot Size	0.299 acres (13,024 sqft)
Owner	2 Individual Names on File
Last Sale	$169,332 (May 2008)
Tax Bill	$3,255 (2025)
Deeds & Mortgages	Jan 2026 Line of Credit Sep 2011 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`18-4900-0021-00-2`

Property Details

APN / Parcel Number

Primary APN	`18-4900-0021-00-2`
Alternative APN	`11-18-4900-0021-00-2`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Building Area	1,246 sqft Living Area
1st Floor Area	1,246 sqft
Basement Area	1,246 sqft
Unfinished Basement	1,246 sqft

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Architectural Style	Raised Ranch
Lot Area	13,024 sqft (0.299 acres)
Lot Dimensions	144 ft deep x 90 ft wide
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3451 BRIDLE PATH
City	SAINT JOSEPH
State	MI
Zip	49085-9487
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2 - SINGL
Legal Description	LOT 21 MEADOW GROVE PLACE
Legal Subdivision	MEADOW GROVE PLACE
Legal Lot Number	21
Legal Unit	21
Jurisdiction	BERRIEN MI
Township / Civil Division	ST. JOSEPH
Census Block Group	2
Census Block	2018
Census Tract	1300

Owner

3451 Bridle Path is owned and occupied by two individuals who bought it in May 2008.

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

Owner of Record	2 Individual Names on File
Mailing Address	3451 BRIDLE PATH, SAINT JOSEPH, MI 49085-9487
Occupancy	Owner Occupied
Owner Type	Individual

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
Jan 26, 2026	Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK WESTERN MICHIGAN
Sep 26, 2011	Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK
Sep 9, 2024	Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK WESTERN MICHIGAN
May 1, 2009	Deed of Trust, Mortgage · FHA Mortgage FIFTH THIRD MORTGAGE MICHIGAN LLC
Sep 20, 2006	Warranty Deed, Transfer · ARM CITIMORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 29, 2008 · Amount on File
Deed Sale	May 29, 2008 · Amount on File
Prior Sale	Sep 20, 2006 · Amount on File
Deed Book / Page	2844 / 2692
Record Updated	Oct 29, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	3451 BRIDLE PATH, SAINT JOSEPH, MI 49085-9487
Transaction Type	Mortgage
Record Updated	Jun 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3451 BRIDLE PATH, SAINT JOSEPH, MI 49085-9487

Mortgage

Document Number	0003469/68
Date	Jan 26, 2026
Book Page	3469/68
Instrument	2026450562

Lender

Name	FIFTH THIRD BANK WESTERN MICHIGAN
Type	Bank
Address	GRAND RAPIDS, MI 49546

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2011: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	3451 BRIDLE PATH, SAINT JOSEPH, MI 49085-9487
Transaction Type	Mortgage
Record Updated	Jun 8, 2026
Title Company	MT PLEASANT ABSTRACT AND TITLE, MT PLEASANT ABSTRACT TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02969/1637
Date	Sep 26, 2011
Book Page	2969/1637

Lender

Name	FIFTH THIRD BANK
Type	Bank
Address	GRAND RAPIDS, MI 49546

Agreement

Type	Line of Credit
Amount	Amount on Record

September 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	3451 BRIDLE PATH, SAINT JOSEPH, MI 49085-9487
Transaction Type	Mortgage
Record Updated	Jun 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3451 BRIDLE PATH A, A, SAINT JOSEPH, MI 49085-9487

Mortgage

Document Number	03433/4374
Date	Sep 9, 2024
Book Page	3433/4374
Instrument	2024413640

Lender

Name	FIFTH THIRD BANK WESTERN MICHIGAN
Type	Bank
Address	GRAND RAPIDS, MI 49546

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2009: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	3451 BRIDLE PATH, SAINT JOSEPH, MI 49085-9487
Transaction Type	Mortgage
Record Updated	Jun 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02882/1933
Date	May 1, 2009
Book Page	2882/1933

Lender

Name	FIFTH THIRD MORTGAGE MICHIGAN LLC
Type	Mortgage Company
Address	GRAND RAPIDS, MI 49546

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2039

September 2006: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BERRIEN MI
Recording Date	Sep 20, 2006
Property Address	3451 BRIDLE PATH, SAINT JOSEPH, MI 49085-9487
Document Number	02744/1989
Book / Page	2744 / 1989
Map Reference	LB24 PG30
Instrument Date	Sep 8, 2006
Transaction Type	Transfer
Record Updated	Jun 8, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,419.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5875 LINCOLN AVE, STEVENSVILLE, MI 49127-9446

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	3451 BRIDLE PATH, SAINT JOSEPH, MI 49085-9487

Mortgage

Document Number	0027441990
Date	Sep 20, 2006
Instrument	2744/1990

Lender

Name	CITIMORTGAGE INC
Type	Mortgage Company

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2036

Interest

Rate Type	Adjustable Rate
Rate	5.5%
Change Frequency	Annually
Index	1-Year T-Bill

Tax Assessment & Valuation

The 2025 property tax bill for 3451 Bridle Path was $3,255 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		$159,900	$319,800
2025	$3,255.00
2023		$107,000	$214,000
2022	$2,859.00

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

Flood

FEMA maps place 3451 Bridle Path 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 3451 Bridle Path 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 324 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
Mercury Fiber Fixed Wireless	150 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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