Berrien County property record for 3902 Sumner Dr, Watervliet, MI 49098
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.405 acres (17,646 sqft) |
| Owner | 2 Company Names on File |
| Tax Bill | $4,854 (2025) |
| Deeds & Mortgages | Aug 2022 Line of Credit Jun 2021 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 21-9200-0021-00-7 |
| Primary APN | 21-9200-0021-00-7 |
|---|---|
| Alternative APN |
|
| Lot Area | 17,646 sqft (0.405 acres) |
|---|
| Street Address | 3902 SUMNER DR |
|---|---|
| City | WATERVLIET |
| State | MI |
| Zip | 49098-8577 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1A |
| Legal Description | LOT 21 WATERTOWN PLACE |
| Legal Subdivision | WATERTOWN PLACE |
| Legal Lot Number | 21 |
| Legal Unit | 21 |
| Jurisdiction | BERRIEN MI |
| Township / Civil Division | WATERVLIET |
| Census Block Group | 3 |
| Census Block | 3011 |
| Census Tract | 10300 |
3902 Sumner Dr, a single family home, is owned by a company.
Source: Berrien County records, as of September 28, 2026
| Owner of Record | 2 Company Names on File |
|---|---|
| Mailing Address | 2186 E CENTRE AVE, PORTAGE, MI 49002-4420 |
| Owner Type | Company |
| Vesting | Company |
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 |
|---|---|
| Aug 29, 2022 | Deed of Trust, Mortgage · Line of Credit SOUTHERN MICHIGAN BANK & TRUST |
| Jun 11, 2021 | Warranty Deed, Transfer CHICAGO TITLE/MI, CHICAGO TITLE OF MI INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERRIEN MI |
| Property Address | 3902 SUMNER DR, WATERVLIET, MI 49098-8577 |
| Transaction Type | Mortgage |
| Record Updated | Nov 9, 2023 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 003384/854 |
|---|---|
| Date | Aug 29, 2022 |
| Book Page | 3384/854 |
| Instrument | 2022361134 |
| Name | SOUTHERN MICHIGAN BANK & TRUST |
|---|---|
| Type | Bank |
| Address | PORTAGE, MI 49024 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BERRIEN MI |
| Recording Date | Jun 11, 2021 |
| Property Address | 3902 SUMNER DR, WATERVLIET, MI 49098-8577 |
| Document Number | 03331/1393 |
| Book / Page | 3331 / 1393 |
| Map Reference | LB 27 PG 17 |
| Instrument Date | Jun 11, 2021 |
| Transaction Type | Transfer |
| Record Updated | Nov 9, 2023 |
| Title Company | CHICAGO TITLE/MI, CHICAGO TITLE OF MI INC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2663 YORE AVE, SODUS, MI 49126-9716 |
| Name | Verified Name |
|---|---|
| Address | 2186 E CENTRE AVE, PORTAGE, MI 49002-4420 |
The 2025 property tax bill for 3902 Sumner Dr was $4,854.
Source: Berrien County assessment roll, as of September 28, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Berrien County |
| County Subdivision | Watervliet Township |
| Unified School District | Watervliet School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $150,600 | $301,200 | |
| 2025 | $4,854.00 | ||
| 2023 | $135,300 | $270,600 | |
| 2022 | $4,331.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3902 Sumner Dr in Zone X, an area of minimal flood risk.
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 | 5 in force |
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 risk around 3902 Sumner Dr 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.
Source: FCC Broadband Data Collection, based on 304 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
May also be available: Surf Internet, T-Mobile, Verizon.
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