3605 Terese Path, Saint Joseph, MI 49085 Property Records

Berrien County property record for 3605 Terese Path, Saint Joseph, MI 49085

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,556 sqft · built 2021
Lot Size	0.427 acres (18,600 sqft)
Owner	Individual Name on File
Last Sale	$20,000 (Jan 2021)
Tax Bill	$4,693 (2025)
Deeds & Mortgages	Apr 2020 Construction Loan Nov 2022 Construction Loan + 3 more
Flood Zone	Zone X (minimal risk)
APN	`18-8570-0018-00-9`

Property Details

APN / Parcel Number

Primary APN	`18-8570-0018-00-9`
Alternative APN	`11-18-8570-0018-00-9`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,556 sqft Living Area
1st Floor Area	694 sqft
Basement Area	694 sqft
Unfinished Basement	694 sqft

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Architectural Style	Condo/Apartment
Lot Area	18,600 sqft (0.427 acres)
Lot Dimensions	145 ft deep x 127 ft wide
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3605 TERESE PATH
City	SAINT JOSEPH
State	MI
Zip	49085-3748
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2 - SINGL
Legal Description	UNIT 18 WASHINGTON CROSSING LIBER 209 PAGE 1
Legal Subdivision	WASHINGTON CONDOMINIUM
Legal Unit	18
Jurisdiction	BERRIEN MI
Township / Civil Division	ST. JOSEPH
Census Block Group	2
Census Block	2024
Census Tract	1100

Owner

3605 Terese Path is owned and occupied by an individual who bought it in January 2021.

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

Owner of Record	Individual Name on File
Mailing Address	3605 TERESE PATH, SAINT JOSEPH, MI 49085-3748
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
Apr 22, 2020	Deed of Trust, Mortgage · Construction Mortgage STURGIS BANK & TRUST CO
Nov 8, 2022	Deed of Trust, Mortgage · Construction Mortgage OAK MORTGAGE LLC
Jan 27, 2021	Quit Claim Deed, Transfer CHICAGO TITLE/MI, CHICAGO TITLE OF MI INC
Jan 27, 2021	Warranty Deed, Subdivision Related Transfer · Line of Credit OAK MORTGAGE LLC
May 14, 2019	Warranty Deed, Transfer FIRST AMERICAN TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 27, 2021 · Amount on File
Deed Sale	Jan 27, 2021 · Amount on File
Prior Sale	May 14, 2019 · Amount on File
Deed Book / Page	3310 / 2359
Prior Transfer Date	Jan 15, 2021
Prior Transfer Doc	03310/2356
Record Updated	Oct 29, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	3605 TERESE PATH, SAINT JOSEPH, MI 49085-3748
Transaction Type	Mortgage
Record Updated	Nov 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	03272/1440
Date	Apr 22, 2020
Book Page	3272/1440

Lender

Name	STURGIS BANK & TRUST CO
Type	Bank
Address	STURGIS, MI 49091

Agreement

Type	Construction Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	3605 TERESE PATH, SAINT JOSEPH, MI 49085-3748
Transaction Type	Mortgage
Record Updated	Nov 9, 2023
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2521 BRISTOL TER, SAINT JOSEPH, MI 49085-2711

Mortgage

Document Number	03391/1604
Date	Nov 8, 2022
Book Page	3391/1604
Instrument	2022366699

Lender

Name	OAK MORTGAGE LLC
Type	Mortgage Company
Address	STURGIS, MI 49091

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	3%
Adjustable	Adjustable Rate Rider
Type Change Date	Nov 1, 2033
Change Frequency	Annually
Min Rate At Change	3.75%
Max Rate At Change	5%
Index	1-Year CMT
Max Rate	9%

January 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BERRIEN MI
Recording Date	Jan 27, 2021
Property Address	3605 TERESE PATH, SAINT JOSEPH, MI 49085-3748
Document Number	03310/2356
Book / Page	3310 / 2356
Map Reference	LB 209 PG 1
Instrument Date	Jan 15, 2021
Transaction Type	Transfer
Record Updated	Nov 9, 2023
Title Company	CHICAGO TITLE/MI, CHICAGO TITLE OF MI INC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4915 ADVANCE WAY, STEVENSVILLE, MI 49127-9544

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1901 NILES AVE, SAINT JOSEPH, MI 49085-1615

January 2021: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	BERRIEN MI
Recording Date	Jan 27, 2021
Property Address	3605 TERESE PATH, SAINT JOSEPH, MI 49085-3748
Document Number	03310/2359
Book / Page	3310 / 2359
Map Reference	LB 209 PG 1
Instrument Date	Jan 15, 2021
Transaction Type	Subdivision Related Transfer
Record Updated	Nov 9, 2023
Title Company	CHICAGO TITLE/MI, CHICAGO TITLE OF MI INC

Transaction

Amount	Amount on Record
Tax	$172.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1901 NILES AVE, SAINT JOSEPH, MI 49085-1615

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2521 BRISTOL TER, SAINT JOSEPH, MI 49085-2711

Mortgage

Document Number	0033102363
Date	Jan 27, 2021
Instrument	3310/2363

Lender

Name	OAK MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	373 Months
Due	Feb 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	3%
Adjustable	Adjustable Rate Rider
Type Change Date	Feb 1, 2032
Change Frequency	Annually
Min Rate At Change	3.75%
Max Rate At Change	5%
Index	1-Year CMT
Max Rate	9%

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BERRIEN MI
Recording Date	May 14, 2019
Property Address	3605 TERESE PATH, SAINT JOSEPH, MI 49085-3748
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 3605 Terese Path was $4,693 with a homeowner's exemption, up 1.8% 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		$173,100 (+1.7%)	$346,200 (+1.7%)
2025	$4,693.00 (+1.76%) Homeowner's exemption	$170,200	$340,400
2024	$4,612.00
2023		$58,800 (+9.5%)	$117,600 (+9.5%)
2022	$2,708.00 (+322.46%)	$53,700	$107,400
2021	$641.00

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

Flood

FEMA maps place 3605 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 3605 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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