3878 E Main St, Benton Harbor, MI 49022 Property Records

Berrien County property record for 3878 E Main St, Benton Harbor, MI 49022

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 988 sqft · built 1928
Lot Size	0.171 acres (7,449 sqft)
Owner	Individual Name on Record
Last Sale	$170,000 (Sep 2023)
Tax Bill	$2,059 (2025)
Deeds & Mortgages	May 2020 Line of Credit May 2020 Line of Credit + 5 more
Flood Zone	Zone X (minimal risk)
APN	`10-6750-0010-00-9`

Property Details

APN / Parcel Number

Primary APN	`10-6750-0010-00-9`
Alternative APN	`11-10-6750-0010-00-9`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Building Area	988 sqft Living Area
1st Floor Area	988 sqft
Basement Area	988 sqft
Unfinished Basement	988 sqft

Exterior

Year Built	Built 1928
Effective Year Built	Effective 1928
Lot Area	7,449 sqft (0.171 acres)
Lot Dimensions	124 ft deep x 60 ft wide

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3878 E MAIN ST
City	BENTON HARBOR
State	MI
Zip	49022-9715
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2 S/F
Legal Description	LOT 10, RIVERSIDE.
Legal Subdivision	RIVERSIDE
Legal Lot Number	10
Legal Unit	10
Jurisdiction	BERRIEN MI
Township / Civil Division	HAGAR
Census Block Group	1
Census Block	1031
Census Tract	10100

Owner

Source: Berrien County records, as of June 5, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	1024 FORTROSE DR, GALLATIN, TN 37066-4564
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 15, 2020	Deed of Trust, Mortgage · Line of Credit UNITED FCU
May 22, 2020	Deed of Trust, Mortgage · Line of Credit 1ST SOURCE BANK
May 11, 2022	Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB
Oct 25, 2022	Deed of Trust, Mortgage · Line of Credit HONOR CU
Sep 18, 2023	Warranty Deed, Transfer · Conventional Mortgage CMG MORTGAGE INC
May 18, 2017	Warranty Deed, Transfer · Conventional Mortgage AMERIFIRST FINANCIAL CORP
Jan 30, 2017	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 18, 2023 · Amount on Record
Deed Sale	Sep 18, 2023 · Amount on Record
Prior Sale	May 18, 2017 · Amount on Record
Deed Document Number	2023389120
Deed Book / Page	3412 / 371
Prior Transfer Date	Feb 8, 2013
Prior Transfer Doc	03161/2746
Record Updated	Sep 20, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	3878 E MAIN ST, BENTON HARBOR, MI 49022-9715
Transaction Type	Mortgage
Record Updated	Nov 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	003275/679
Date	May 15, 2020
Book Page	3275/679

Lender

Name	UNITED FCU
Type	Credit Union
Address	SAINT JOSEPH, MI 49085

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	May 25, 2030

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	3878 E MAIN ST, BENTON HARBOR, MI 49022-9715
Transaction Type	Mortgage
Record Updated	Nov 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	003276/233
Date	May 22, 2020
Book Page	3276/233

Lender

Name	1ST SOURCE BANK
Type	Bank
Address	SAINT JOSEPH, MI 49085

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	205 Months
Due	Jun 12, 2037

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	3878 E MAIN ST, BENTON HARBOR, MI 49022-9715
Transaction Type	Mortgage
Record Updated	Nov 9, 2023
Title Company	NEAR NORTH TITLE GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3878 E MAIN ST, BENTON HARBOR, MI 49022-9715

Mortgage

Document Number	03373/2613
Date	May 11, 2022
Book Page	3373/2613
Instrument	2022352681

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	PORTAGE, MI 49002

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Jun 1, 2042

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	3878 E MAIN ST, BENTON HARBOR, MI 49022-9715
Transaction Type	Mortgage
Record Updated	Nov 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3878 E MAIN ST, BENTON HARBOR, MI 49022-9715

Mortgage

Document Number	03389/2831
Date	Oct 25, 2022
Book Page	3389/2831
Instrument	2022365541

Lender

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

Agreement

Type	Line of Credit

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BERRIEN MI
Recording Date	Sep 18, 2023
Property Address	3878 E MAIN ST, BENTON HARBOR, MI 49022-9715
Document Number	003412/371
Book / Page	3412 / 371
Map Reference	LB 3 PG 53
Instrument Date	Sep 8, 2023
Instrument	2023389120
Transaction Type	Transfer
Record Updated	Nov 9, 2023
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,275.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1024 FORTROSE DR, GALLATIN, TN 37066-4564

Mortgage

Document Number	2023389121
Date	Sep 18, 2023
Instrument	2023389121

Lender

Name	CMG MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2053

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BERRIEN MI
Recording Date	May 18, 2017
Property Address	3878 E MAIN ST, BENTON HARBOR, MI 49022-9715
Document Number	03172/1270
Book / Page	3172 / 1270
Map Reference	LB3 PG53
Instrument Date	May 12, 2017
Transaction Type	Transfer
Record Updated	Nov 9, 2023

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$427.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3878 E MAIN ST, BENTON HARBOR, MI 49022-9715

Mortgage

Document Number	0031721273
Date	May 18, 2017
Instrument	3172/1273

Lender

Name	AMERIFIRST FINANCIAL CORP
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2047

January 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BERRIEN MI
Recording Date	Jan 30, 2017
Property Address	3878 E MAIN ST, BENTON HARBOR, MI 49022-9715
Document Number	03161/2746
Book / Page	3161 / 2746
Instrument Date	Feb 8, 2013
Transaction Type	Transfer
Record Updated	Nov 9, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3878 MAIN ST, RIVERSIDE, MI 49084

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	4725 BEECHNUT DR, SAINT JOSEPH, MI 49085-9321
Investor	Possibly a Property Investor

Tax Assessment & Valuation

Source: Berrien County assessment roll, as of June 5, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Berrien County
County Subdivision	Hagar Township
Elementary School District	Hagar Township School District 6 (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$69,100 (+4.22%)	$138,200 (+4.22%)
2025	$2,059.00 (+3%)	$66,300 (+33.4%)	$132,600 (+33.4%)
2024	$1,999.00 (+160.29%)
2023		$49,700 (+7.58%)	$99,400 (+7.58%)
2022	$768.00 (+3.23%) Homeowner's exemption	$46,200	$92,400
2021	$744.00

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

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	13 (1985–1998)
Claims Outside the SFHA	6 of 13
Most Recent Claim	May 1998 · river or lake flooding

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

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 28 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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