Berrien County property record for 3689 Symphony Ln, Saint Joseph, MI 49085
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3.5 ba · 1,278 sqft · built 1989 |
| Lot Size | 0.303 acres (13,199 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $129,900 (Mar 1992) |
| Tax Bill | $3,417 (2025) |
| Deeds & Mortgages | Jan 2020 Mortgage Dec 2018 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 18-5800-0001-00-1 |
| Primary APN | 18-5800-0001-00-1 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 1,278 sqft Living Area |
| 1st Floor Area | 1,278 sqft |
| Basement Area | 1,278 sqft |
| Unfinished Basement | 1,278 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 1989 |
| Architectural Style | Raised Ranch |
| Lot Area | 13,199 sqft (0.303 acres) |
| Lot Dimensions | 131 ft deep x 100 ft wide |
| Garage Area | 484 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 3689 SYMPHONY LN |
|---|---|
| City | SAINT JOSEPH |
| State | MI |
| Zip | 49085-9565 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R4 - TWO F |
| Legal Description | LOT 1 PARK PLACE SUBDIVISION |
| Legal Subdivision | PARK PLACE SUBDIVISION |
| Legal Lot Number | 1 |
| Legal Unit | 1 |
| Jurisdiction | BERRIEN MI |
| Township / Civil Division | ST. JOSEPH |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 1100 |
3689 Symphony Ln is owned and occupied by two individuals who bought it in March 1992.
Source: Berrien County records, as of September 28, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3689 SYMPHONY LN, SAINT JOSEPH, MI 49085-9565 |
| 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 |
|---|---|
| Jan 6, 2020 | Deed of Trust, Mortgage · Conventional Mortgage UNITED FCU |
| Dec 11, 2018 | Deed of Trust, Mortgage · Line of Credit UNITED FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 20, 1992 · Amount on File |
| Deed Sale | Mar 20, 1992 · Amount on File |
| Deed Book / Page | 1504 / 1425 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERRIEN MI |
| Property Address | 3689 SYMPHONY LN, SAINT JOSEPH, MI 49085-9565 |
| Transaction Type | Mortgage |
| Record Updated | Nov 9, 2023 |
| Name | Verified Name |
|---|
| Document Number | 03261/1797 |
|---|---|
| Date | Jan 6, 2020 |
| Book Page | 3261/1797 |
| Name | UNITED FCU |
|---|---|
| Type | Credit Union |
| Address | SAINT JOSEPH, MI 49085 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Jan 1, 2035 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERRIEN MI |
| Property Address | 3689 SYMPHONY LN, SAINT JOSEPH, MI 49085-9565 |
| Transaction Type | Mortgage |
| Record Updated | Nov 9, 2023 |
| Name | Verified Name |
|---|
| Document Number | 03224/2789 |
|---|---|
| Date | Dec 11, 2018 |
| Book Page | 3224/2789 |
| Name | UNITED FCU |
|---|---|
| Type | Credit Union |
| Address | SAINT JOSEPH, MI 49085 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Dec 25, 2028 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 3689 Symphony Ln was $3,417 with a homeowner's exemption.
Source: Berrien County assessment roll, as of September 28, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Berrien County |
| County Subdivision | St. Joseph Charter Township |
| Unified School District | St. Joseph Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $155,700 | $311,400 | |
| 2025 | $3,417.00 | ||
| 2023 | $107,300 | $214,600 | |
| 2022 | $3,016.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3689 Symphony Ln 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 risk around 3689 Symphony Ln 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.
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 |
| 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.
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 |
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