Berrien County property record for 355 Ridgeway St, Saint Joseph, MI 49085
| Property Type | Single Family Home |
|---|---|
| Details | 1 bd · 2 ba · 1,449 sqft · built 1945 |
| Lot Size | 0.248 acres (10,803 sqft) |
| Owner | Individual Name on File |
| Last Sale | $107,500 (Dec 2013) |
| Tax Bill | $5,576 (2025) |
| Deeds & Mortgages | Aug 2021 Mortgage May 2008 Line of Credit + 5 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 76-1950-0003-01-5 |
| Primary APN | 76-1950-0003-01-5 |
|---|---|
| Alternative APN |
|
| Bedrooms | 1 Bed |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,449 sqft Living Area |
| 1st Floor Area | 1,449 sqft |
| Basement Area | 547 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1945 |
|---|---|
| Effective Year Built | Effective 1945 |
| Lot Area | 10,803 sqft (0.248 acres) |
| Lot Dimensions | 108 ft deep x 100 ft wide |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 355 RIDGEWAY ST, 3 |
|---|---|
| City | SAINT JOSEPH |
| State | MI |
| Zip | 49085-1061 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 - B |
| Legal Description | UNIT 3 EDGEWATER OF ST JOSEPH LIBER 14 PAGE 1 SECOND AMENDMENT LIBER 14 PAGE 53 |
| Legal Subdivision | EDGEWATER |
| Legal Unit | 3 |
| Jurisdiction | BERRIEN MI |
| Township / Civil Division | ST. JOSEPH |
| Census Block Group | 1 |
| Census Block | 1014 |
| Census Tract | 801 |
355 Ridgeway St is owned and occupied by an individual who bought it in December 2013.
Source: Berrien County records, as of September 28, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 355 RIDGEWAY ST, 3, SAINT JOSEPH, MI 49085-1061 |
| 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.
| Date | Document |
|---|---|
| Aug 18, 2021 | Deed of Trust, Mortgage · Conventional Mortgage RUOFF MORTGAGE COMPANY INC |
| May 22, 2008 | Deed of Trust, Mortgage · Line of Credit HORIZON BANK NA |
| Nov 15, 2006 | Deed of Trust, Mortgage FIFTH THIRD MORTGAGE MICHIGAN LLC |
| Feb 20, 2015 | Deed of Trust, Mortgage · Conventional Mortgage NORTHPOINTE BANK |
| Dec 22, 2006 | Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK WESTERN MICHIGAN |
| Dec 4, 2013 | Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA |
| Apr 3, 2012 | Sheriff's Deed, Foreclosure |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 4, 2013 · Amount on File |
| Deed Sale | Dec 4, 2013 · Amount on File |
| Prior Sale | Apr 3, 2012 · Amount on File |
| Deed Book / Page | 3058 / 1677 |
| Prior Transfer Date | Mar 22, 2012 |
| Prior Transfer Doc | 02989/0762 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERRIEN MI |
| Property Address | 355 RIDGEWAY ST APT 3, 3, SAINT JOSEPH, MI 49085-1061 |
| Transaction Type | Mortgage |
| Record Updated | Jun 5, 2026 |
| Name | Verified Name |
|---|---|
| Address | 355 RIDGEWAY ST 3, 3, SAINT JOSEPH, MI 49085-1061 |
| Document Number | 03340/2353 |
|---|---|
| Date | Aug 18, 2021 |
| Book Page | 3340/2353 |
| Name | RUOFF MORTGAGE COMPANY INC |
|---|---|
| Type | Mortgage Company |
| Address | FORT WAYNE, IN 46804 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Sep 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERRIEN MI |
| Property Address | 355 RIDGEWAY ST APT 3, 3, SAINT JOSEPH, MI 49085-1061 |
| Transaction Type | Mortgage |
| Record Updated | Jun 5, 2026 |
| Name | Verified Name |
|---|
| Document Number | 02844/0778 |
|---|---|
| Date | May 22, 2008 |
| Book Page | 2844/0778 |
| Name | HORIZON BANK NA |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERRIEN MI |
| Property Address | 355 RIDGEWAY ST APT 3, 3, SAINT JOSEPH, MI 49085-1061 |
| Transaction Type | Mortgage |
| Record Updated | Jun 5, 2026 |
| Title Company | CAPITAL TITLE AGENCY INC, CTI |
| Name | Verified Name |
|---|
| Document Number | 02759/0579 |
|---|---|
| Date | Nov 15, 2006 |
| Book Page | 2759/0579 |
| Name | FIFTH THIRD MORTGAGE MICHIGAN LLC |
|---|---|
| Type | Mortgage Company |
| Address | GRAND RAPIDS, MI 49546 |
| Amount | Amount on Record |
|---|---|
| Term | 361 Months |
| Due | Dec 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERRIEN MI |
| Property Address | 355 RIDGEWAY ST APT 3, 3, SAINT JOSEPH, MI 49085-1061 |
| Transaction Type | Mortgage |
| Record Updated | Jun 5, 2026 |
| Title Company | CAPITAL TITLE AGENCY INC, CTI |
| Name | Verified Name |
|---|
| Document Number | 03094/3428 |
|---|---|
| Date | Feb 20, 2015 |
| Book Page | 3094/3428 |
| Name | NORTHPOINTE BANK |
|---|---|
| Type | Bank |
| Address | GRAND RAPIDS, MI 49546 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Mar 1, 2030 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERRIEN MI |
| Property Address | 355 RIDGEWAY ST APT 3, 3, SAINT JOSEPH, MI 49085-1061 |
| Transaction Type | Mortgage |
| Record Updated | Jun 5, 2026 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 02767/1170 |
|---|---|
| Date | Dec 22, 2006 |
| Book Page | 2767/1170 |
| Name | FIFTH THIRD BANK WESTERN MICHIGAN |
|---|---|
| Type | Bank |
| Address | GRAND RAPIDS, MI 49546 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Change Frequency | Monthly |
|---|
| Document Type | Deed |
|---|---|
| Jurisdiction | BERRIEN MI |
| Recording Date | Dec 4, 2013 |
| Property Address | 355 RIDGEWAY ST APT 3, 3, SAINT JOSEPH, MI 49085-1061 |
| Document Number | 03058/1677 |
| Book / Page | 3058 / 1677 |
| Instrument Date | Nov 25, 2013 |
| Transaction Type | Transfer |
| Record Updated | Jun 5, 2026 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 8200 JONES BRANCH DR, MCLEAN, VA 22102-3107 |
| Name | Verified Name |
|---|---|
| Address | 271 BLACK RIVER ST APT C, C, SOUTH HAVEN, MI 49090-2313 |
| Document Number | 03058/1679 |
|---|---|
| Date | Dec 4, 2013 |
| Book Page | 3058/1679 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 1, 2043 |
| Document Type | Sheriff's Deed |
|---|---|
| Jurisdiction | BERRIEN MI |
| Recording Date | Apr 3, 2012 |
| Property Address | 355 RIDGEWAY ST APT 3, 3, SAINT JOSEPH, MI 49085-1061 |
| Document Number | 02989/0762 |
| Book / Page | 2989 / 0762 |
| Instrument Date | Mar 22, 2012 |
| Transaction Type | Foreclosure |
| Record Updated | Jun 5, 2026 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|---|
| Address | 529 LINDEN CT, GENEVA, IL 60134-7517 |
| Name | Verified Name |
|---|
The 2025 property tax bill for 355 Ridgeway St was $5,576 with a homeowner's exemption.
Source: Berrien County assessment roll, as of September 28, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Berrien County |
| Municipality | St. Joseph City |
| Unified School District | St. Joseph Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $210,700 | $421,400 | |
| 2025 | $5,576.00 | ||
| 2023 | $134,600 | $269,200 | |
| 2022 | $4,981.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 355 Ridgeway St in Zone X, an area of minimal flood risk.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 11 policies |
| Nearby Flood Policies | 11 in force |
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 risk around 355 Ridgeway St is low, with 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 80% of the US · above 51% of Michigan |
|---|---|
| Wildfire Likelihood | 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | ST JOSEPH serves 7,930 people · EPA ID MI0006310 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jun 2025 |
| Also Mapped Here | BENTON HARBOR |
| Lead | 4 ppb (2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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.
Source: FCC Broadband Data Collection, based on 109 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless · DSL | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures