3451 Michael, Saint Joseph, MI 49085 Property Records

Berrien County property record for 3451 Michael, Saint Joseph, MI 49085

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,181 sqft · built 2005
Lot Size	1.13 acres (49,266 sqft)
Owner	Trust Name on File
Last Sale	$395,000 (Jun 2013)
Tax Bill	$5,164 (2025)
Deeds & Mortgages	Mar 2020 Line of Credit Jan 2020 Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`17-7445-0011-00-7`

Property Details

APN / Parcel Number

Primary APN	`17-7445-0011-00-7`
Alternative APN	`11-17-7445-0011-00-7`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,181 sqft Living Area
1st Floor Area	1,122 sqft
Basement Area	1,122 sqft
Unfinished Basement	1,122 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Lot Area	49,266 sqft (1.13 acres)
Lot Depth	472 ft Depth
Garage Area	596 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	3451 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 11 PINE RIDGE
Legal Subdivision	PINE RIDGE
Legal Lot Number	11
Legal Unit	11
Jurisdiction	BERRIEN MI
Township / Civil Division	ROYALTON
Census Block Group	3
Census Block	3001
Census Tract	1800

Owner

3451 Michael is owner-occupied and held in a trust since January 2020.

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

Owner of Record	Trust Name on File
Mailing Address	3451 MICHAEL, SAINT JOSEPH, MI 49085-8646
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
Mar 19, 2020	Deed of Trust, Mortgage · Line of Credit UNITED FCU
Jan 16, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage UNITED FCU
Jan 16, 2020	Intrafamily Transfer, Transfer
Aug 22, 2019	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 3, 2013 · Amount on File
Deed Sale	Jun 3, 2013 · Amount on File
Prior Sale	Mar 14, 2003 · Amount on File
Deed Book / Page	3039 / 147
Last Transfer Date	Jan 10, 2020
Transfer Doc	3262001198
Record Updated	Oct 29, 2026

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	3451 MICHAEL, SAINT JOSEPH, MI 49085-8646
Transaction Type	Mortgage
Record Updated	Nov 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	03268/2756
Date	Mar 19, 2020
Book Page	3268/2756

Lender

Name	UNITED FCU
Type	Credit Union
Address	SAINT JOSEPH, MI 49085

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Mar 25, 2030

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BERRIEN MI
Recording Date	Jan 16, 2020
Property Address	3451 MICHAEL, SAINT JOSEPH, MI 49085-8646
Document Number	03262/1198
Book / Page	3262 / 1198
Map Reference	LB 216 PG 2
Instrument Date	Jan 10, 2020
Transaction Type	Transfer
Record Updated	Nov 9, 2023
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3451 MICHAEL, SAINT JOSEPH, MI 49085-8646

Mortgage

Document Number	0032621199
Date	Jan 16, 2020
Instrument	3262/1199

Lender

Name	UNITED FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Feb 1, 2035

January 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BERRIEN MI
Recording Date	Jan 16, 2020
Property Address	3451 MICHAEL, SAINT JOSEPH, MI 49085-8646
Document Number	03262/1620
Book / Page	3262 / 1620
Map Reference	LB 26 PG 2
Instrument Date	Jan 10, 2020
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

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3451 MICHAEL, SAINT JOSEPH, MI 49085-8646

August 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BERRIEN MI
Recording Date	Aug 22, 2019
Property Address	3451 MICHAEL, SAINT JOSEPH, MI 49085-8646
Document Number	03247/1119
Book / Page	3247 / 1119
Map Reference	LB 26 PG 2
Instrument Date	Aug 16, 2019
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

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3451 MICHAEL, SAINT JOSEPH, MI 49085-8646

Tax Assessment & Valuation

The 2025 property tax bill for 3451 Michael was $5,164 with a homeowner's exemption, up 2.3% 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	Royalton Township
Unified School District	St. Joseph Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$238,600 (+3.83%)	$477,200 (+3.83%)
2025	$5,164.00 (+2.34%) Homeowner's exemption	$229,800	$459,600
2024	$5,046.00
2023		$223,600	$447,200
2022	$4,880.00

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

Flood

FEMA maps place 3451 Michael in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

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 File 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

Wildfire risk around 3451 Michael 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 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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