3560 Terese Path, Saint Joseph, MI 49085 Property Records

Berrien County property record for 3560 Terese Path, Saint Joseph, MI 49085

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 1,603 sqft · built 2019
Lot Size	0.276 acres (12,023 sqft)
Owner	Individual Name on File
Last Sale	$22,000 (Sep 2019)
Tax Bill	$5,575 (2025)
Deeds & Mortgages	Jul 2026 Line of Credit Jun 2026 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`18-8570-0041-00-1`

Property Details

APN / Parcel Number

Primary APN	`18-8570-0041-00-1`
Alternative APN	`11-18-8570-0041-00-1`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Building Area	1,603 sqft Living Area
1st Floor Area	1,603 sqft
Basement Area	1,603 sqft
Unfinished Basement	1,603 sqft

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Architectural Style	Cape Cod
Lot Area	12,023 sqft (0.276 acres)
Lot Dimensions	150 ft deep x 80 ft wide
Garage Area	491 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3560 TERESE PATH
City	SAINT JOSEPH
State	MI
Zip	49085-3747
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2 - SINGL
Legal Description	UNIT 41 WASHINGTON CROSSING FIRST AMENDMENT LIBER 209 PAGE 69
Legal Subdivision	WASHINGTON CONDOMINIUM
Legal Unit	41
Jurisdiction	BERRIEN MI
Township / Civil Division	ST. JOSEPH
Census Block Group	2
Census Block	2024
Census Tract	1100

Owner

3560 Terese Path is owned and occupied by an individual who bought it in September 2019.

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

Owner of Record	Individual Name on File
Mailing Address	3560 TERESE PATH, SAINT JOSEPH, MI 49085-3747
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
Jul 29, 2026	Deed of Trust, Mortgage · Line of Credit UNITED FEDERAL CREDIT UNION
Jun 25, 2026	Deed of Trust, Mortgage · Line of Credit UNITED FEDERAL CREDIT UNION
Apr 20, 2021	Deed of Trust, Mortgage · Conventional Mortgage HONOR CU
Sep 27, 2019	Warranty Deed, Transfer · Construction Mortgage HONOR CU
May 14, 2019	Warranty Deed, Transfer FIRST AMERICAN TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 27, 2019 · Amount on File
Deed Sale	Sep 27, 2019 · Amount on File
Prior Sale	Sep 27, 2019 · Amount on File
Deed Book / Page	3251 / 379
Prior Transfer Date	May 9, 2019
Prior Transfer Doc	03237/0940
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Recording Date	Jul 29, 2026
Property Address	3560 TERESE PATH, SAINT JOSEPH, MI 49085-3747
Document Number	0000466894
Book / Page	3483 / 3050
Instrument Date	Jul 15, 2026
Instrument	2026466894
Transaction Type	Mortgage
Record Updated	Aug 18, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety, 298
Address	3560 TERESE PATH, SAINT JOSEPH, MI 49085-3747

Mortgage

Document Number	0000466894,
Date	Jul 29, 2026
Book Page	3483/3050
Instrument	2026466894

Lender

Name	UNITED FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Jul 25, 2036

Interest

Rate	6.47%
Max Rate	-1%

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Recording Date	Jun 25, 2026
Property Address	3560 TERESE PATH, SAINT JOSEPH, MI 49085-3747
Document Number	0000464108
Book / Page	3480 / 3238
Instrument Date	Jun 18, 2026
Instrument	2026464108
Transaction Type	Mortgage
Record Updated	Jul 14, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety, 298
Address	3560 TERESE PATH, SAINT JOSEPH, MI 49085-3747

Mortgage

Document Number	0000464108,
Date	Jun 25, 2026
Book Page	3480/3238
Instrument	2026464108

Lender

Name	UNITED FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Jun 25, 2036

Interest

Rate	6.51%
Max Rate	-1%

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	3560 TERESE PATH, SAINT JOSEPH, MI 49085-3747
Transaction Type	Mortgage
Record Updated	Nov 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	03323/3032
Date	Apr 20, 2021
Book Page	3323/3032

Lender

Name	HONOR CU
Type	Credit Union
Address	BERRIEN SPRINGS, MI 49103

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	May 1, 2036

Interest

Change Frequency	2 Years

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BERRIEN MI
Recording Date	Sep 27, 2019
Property Address	3560 TERESE PATH, SAINT JOSEPH, MI 49085-3747
Document Number	03251/0379
Book / Page	3251 / 0379
Map Reference	LB 209 PG 1
Instrument Date	Sep 20, 2019
Transaction Type	Transfer
Record Updated	Nov 9, 2023

Transaction

Amount	Amount on Record
Tax	$189.20
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	11159 RED ARROW HWY LOT 106, 106, BRIDGMAN, MI 49106-9788

Mortgage

Document Number	03250/2185
Date	Sep 23, 2019
Book Page	3250/2185

Lender

Name	HONOR CU
Type	Credit Union
Address	BERRIEN SPRINGS, MI 49103

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2049

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BERRIEN MI
Recording Date	May 14, 2019
Property Address	3560 TERESE PATH, SAINT JOSEPH, MI 49085-3747
Document Number	03237/0940
Book / Page	3237 / 0940
Map Reference	LB 209 PG 1
Instrument Date	May 9, 2019
Transaction Type	Transfer
Record Updated	Nov 9, 2023
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Tax	$1,720.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	867 TUCKER DR, SAINT JOSEPH, MI 49085-3349

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4915 ADVANCE WAY, STEVENSVILLE, MI 49127-9544
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 3560 Terese Path was $5,575 with a homeowner's exemption, up 2.8% 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	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		$256,400 (+3.35%)	$512,800 (+3.35%)
2025	$5,575.00 (+2.84%) Homeowner's exemption	$248,100	$496,200
2024	$5,421.00
2023		$169,600 (+6.67%)	$339,200 (+6.67%)
2022	$4,915.00 (+3.45%) Homeowner's exemption	$159,000	$318,000
2021	$4,751.00

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

Flood

FEMA maps place 3560 Terese 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 3560 Terese 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 96% of the US · lower than 91% 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 216 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Mercury Fiber Fixed Wireless	150 / 20
AT&T DSL	100 / 20

May also be available: Verizon.

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