385 Arbor Rdg, Benton Harbor, MI 49022 Property Records

Berrien County property record for 385 Arbor Rdg, Benton Harbor, MI 49022

Property Summary

Property Type	Condominium
Details	4 bd · 3 ba · 1,478 sqft · built 2004
Lot Size	0.248 acres (10,803 sqft)
Owner	Individual Name on File
Last Sale	$275,000 (Aug 2020)
Tax Bill	$4,574 (2025)
Deeds & Mortgages	Jan 2018 Mortgage Jul 2019 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03-9000-0015-00-6`

Property Details

APN / Parcel Number

Primary APN	`03-9000-0015-00-6`
Alternative APN	`11-03-9000-0015-00-6`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Building Area	1,478 sqft Living Area
1st Floor Area	1,478 sqft
Basement Area	1,478 sqft
Unfinished Basement	1,478 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	Raised Ranch
Lot Area	10,803 sqft (0.248 acres)
Lot Depth	120 ft Depth
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	385 ARBOR RDG
City	BENTON HARBOR
State	MI
Zip	49022-2778
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	A2 SING FA
Legal Description	UNIT 15 WOODRIDGE PLACE CONDOMINIUM LIBER 148 PAGE 1
Legal Subdivision	WOODRIDGE PLACE CONDO
Legal Unit	15
Jurisdiction	BERRIEN MI
Township / Civil Division	BENTON
Census Block Group	2
Census Block	2026
Census Tract	2500

Owner

385 Arbor Rdg, a condominium, is owned and occupied by an individual who bought it in August 2020.

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

Owner of Record	Individual Name on File
Mailing Address	385 ARBOR RDG, BENTON HARBOR, MI 49022-2778
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
Jan 22, 2018	Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD MORTGAGE MICHIGAN LLC
Jul 8, 2019	Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK
Aug 24, 2020	Warranty Deed, Transfer · Conventional Mortgage AMERIFIRST FINANCIAL CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 24, 2020 · Amount on File
Deed Sale	Aug 24, 2020 · Amount on File
Prior Sale	Aug 24, 2020 · Amount on File
Deed Book / Page	3287 / 2763
Prior Transfer Date	Jun 9, 2009
Prior Transfer Doc	02888/2241
Record Updated	Oct 29, 2026

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	385 ARBOR RDG, BENTON HARBOR, MI 49022-2778
Transaction Type	Mortgage
Record Updated	Nov 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	03195/1696
Date	Jan 22, 2018
Book Page	3195/1696
Instrument	3195-1696

Lender

Name	FIFTH THIRD MORTGAGE MICHIGAN LLC
Type	Mortgage Company
Address	GRAND RAPIDS, MI 49546

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2048

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	385 ARBOR RDG, BENTON HARBOR, MI 49022-2778
Transaction Type	Mortgage
Record Updated	Nov 9, 2023
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN ELS

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	03242/2501
Date	Jul 8, 2019
Book Page	3242/2501

Lender

Name	FIFTH THIRD BANK
Type	Bank
Address	GRAND RAPIDS, MI 49546

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BERRIEN MI
Recording Date	Aug 24, 2020
Property Address	385 ARBOR RDG, BENTON HARBOR, MI 49022-2778
Document Number	03287/2763
Book / Page	3287 / 2763
Map Reference	LB 148 PG 1
Instrument Date	Aug 14, 2020
Transaction Type	Transfer
Record Updated	Nov 9, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,365.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	385 ARBOR RDG, BENTON HARBOR, MI 49022-2778

Mortgage

Document Number	0032872681
Date	Aug 24, 2020
Instrument	3287/2681

Lender

Name	AMERIFIRST FINANCIAL CORP
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 385 Arbor Rdg was $4,574 with a homeowner's exemption, up 6.8% 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	Benton Charter Township
Unified School District	Benton Harbor Area Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$156,100 (+5.83%)	$312,200 (+5.83%)
2025	$4,574.00 (+6.82%) Homeowner's exemption	$147,500	$295,000
2024	$4,282.00
2023		$131,000	$262,000
2022	$4,315.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 385 Arbor Rdg in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 1980.

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
Nearby Flood Policies	2 in force
Nearby Flood Claims	6 (1980–2019)
Claims Outside the SFHA	6 of 6
Most Recent Claim	Sep 2019 · other causes

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

Wildfire risk around 385 Arbor Rdg 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	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 116 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

May also be available: AT&T.

Cell Coverage

5G (outdoors only) and 4G LTE

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