3581 Arbor St, Saint Joseph, MI 49085 Property Records

Berrien County property record for 3581 Arbor St, Saint Joseph, MI 49085

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,092 sqft · built 1964
Lot Size	0.25 acres (10,890 sqft)
Owner	2 Individual Names on File
Last Sale	$109,900 (Aug 2001)
Tax Bill	$2,110 (2025)
Deeds & Mortgages	Aug 2026 Sale
Flood Zone	Zone X (minimal risk)
APN	`18-6000-0043-00-0`

Property Details

APN / Parcel Number

Primary APN	`18-6000-0043-00-0`
Alternative APN	`11-18-6000-0043-00-0`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Building Area	1,092 sqft Living Area
1st Floor Area	1,092 sqft
Basement Area	1,092 sqft
Unfinished Basement	1,092 sqft

Exterior

Year Built	Built 1964
Effective Year Built	Effective 1964
Architectural Style	Raised Ranch
Lot Area	10,890 sqft (0.25 acres)
Lot Dimensions	132 ft deep x 82.5 ft wide
Garage Area	552 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3581 ARBOR ST
City	SAINT JOSEPH
State	MI
Zip	49085-3801
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2 - SINGL
Legal Description	LOT 43 PINEBROOK
Legal Subdivision	PINEBROOK SUB
Legal Lot Number	43
Legal Unit	43
Jurisdiction	BERRIEN MI
Township / Civil Division	ST. JOSEPH
Census Block Group	2
Census Block	2001
Census Tract	1100

Owner

3581 Arbor St is owned and occupied by two individuals who acquired it in August 2026.

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

Owner of Record	2 Individual Names on File
Mailing Address	3581 ARBOR ST, SAINT JOSEPH, MI 49085-3801
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 1, 2001 · Amount on File
Deed Sale	Aug 1, 2001 · Amount on File
Deed Book / Page	2167 / 307
Last Transfer Date	Aug 11, 2026
Transfer Doc	0000468489
Record Updated	Oct 29, 2026

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BERRIEN MI
Recording Date	Aug 19, 2026
Property Address	3581 ARBOR ST, SAINT JOSEPH, MI 49085-3801
Document Number	0000468489
Book / Page	3485 / 1998
Instrument Date	Aug 11, 2026
Instrument	2026468489
Transaction Type	Transfer
Record Updated	Sep 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	3581 ARBOR ST, SAINT JOSEPH, MI 49085-3801

Tax Assessment & Valuation

The 2025 property tax bill for 3581 Arbor St was $2,110 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		$85,600	$171,200
2025	$2,110.00
2023		$65,400	$130,800
2022	$1,862.00

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

Flood

FEMA maps place 3581 Arbor St 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 3581 Arbor St 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 98% of the US · lower than 95% 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 139 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
AT&T Fixed Wireless	100 / 20