Berrien County property record for 3907 Sutherland Ave, Watervliet, MI 49098
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · built 1956 |
| Lot Size | 0.28 acres (12,214 sqft) |
| Owner | Individual Name on File |
| Last Sale | $190,500 (Jul 2022) |
| Tax Bill | $1,937 (2025) |
| Deeds & Mortgages | Jul 2022 Sale & Mortgage Nov 2019 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 21-0440-0013-00-7 |
| Primary APN | 21-0440-0013-00-7 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1956 |
|---|---|
| Effective Year Built | Effective 1956 |
| Lot Area | 12,214 sqft (0.28 acres) |
| Parking Spaces | 1 Parking Space |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 3907 SUTHERLAND AVE |
|---|---|
| City | WATERVLIET |
| State | MI |
| Zip | 49098-9359 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1B |
| Legal Description | LOT 13 & THE SLY 1/2 OF LOT 12 ASPENGREN'S SUB |
| Legal Subdivision | ASPENGRENS SUB |
| Legal Lot Number | 12-13 |
| Legal Unit | 13,12 |
| Jurisdiction | BERRIEN MI |
| Township / Civil Division | WATERVLIET |
| Census Block Group | 3 |
| Census Block | 3031 |
| Census Tract | 10300 |
3907 Sutherland Ave is owned and occupied by an individual who bought it in July 2022.
Source: Berrien County records, as of September 28, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3907 SUTHERLAND AVE, WATERVLIET, MI 49098-9359 |
| 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 |
|---|---|
| Jul 19, 2022 | Warranty Deed, Transfer · Conventional Mortgage AMERIFIRST FINANCIAL CORP |
| Nov 21, 2019 | Intrafamily Transfer, Transfer · Line of Credit HONOR CU |
| Apr 7, 2017 | Warranty Deed, Transfer · VA Mortgage AMERIFIRST FINANCIAL CORP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 19, 2022 · Amount on File |
| Deed Sale | Jul 19, 2022 · Amount on File |
| Prior Sale | Apr 7, 2017 · Amount on File |
| Deed Document Number | 2022358203 |
| Deed Book / Page | 3380 / 1714 |
| Prior Transfer Date | Nov 11, 2019 |
| Prior Transfer Doc | 03257/0229 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BERRIEN MI |
| Recording Date | Jul 19, 2022 |
| Property Address | 3907 SUTHERLAND AVE, WATERVLIET, MI 49098-9359 |
| Document Number | 03380/1714 |
| Book / Page | 3380 / 1714 |
| Map Reference | LB 14 PG 21 |
| Instrument Date | Jul 15, 2022 |
| Instrument | 2022358203 |
| Transaction Type | Transfer |
| Record Updated | Nov 9, 2023 |
| Title Company | CHICAGO TITLE/MI, CHICAGO TITLE OF MI INC |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,428.75 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3907 SUTHERLAND AVE, WATERVLIET, MI 49098-9359 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 517 WHITTLESEY AVE, SAINT JOSEPH, MI 49085-1831 |
| Document Number | 0033801716 |
|---|---|
| Date | Jul 19, 2022 |
| Instrument | 3380-1716 |
| Name | AMERIFIRST FINANCIAL CORP |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2052 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | BERRIEN MI |
| Recording Date | Nov 21, 2019 |
| Property Address | 3907 SUTHERLAND AVE, WATERVLIET, MI 49098-9359 |
| Document Number | 03257/0229 |
| Book / Page | 3257 / 0229 |
| Map Reference | LB 14 PG 21 |
| Instrument Date | Nov 11, 2019 |
| Transaction Type | Transfer |
| Record Updated | Nov 9, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3907 SUTHERLAND AVE, WATERVLIET, MI 49098-9359 |
| Document Number | 0003257231 |
|---|---|
| Date | Nov 21, 2019 |
| Instrument | 3257/231 |
| Name | HONOR CU |
|---|---|
| Type | Credit Union |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 239 Months |
| Due | Oct 28, 2039 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BERRIEN MI |
| Recording Date | Apr 7, 2017 |
| Property Address | 3907 SUTHERLAND AVE, WATERVLIET, MI 49098-9359 |
| Document Number | 03168/2021 |
| Book / Page | 3168 / 2021 |
| Map Reference | LB14 PG21 |
| Instrument Date | Mar 29, 2017 |
| Transaction Type | Transfer |
| Record Updated | Nov 9, 2023 |
| Title Company | CHICAGO TITLE/MI, CHICAGO TITLE OF MI INC |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $877.20 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3907 SUTHERLAND AVE, WATERVLIET, MI 49098-9359 |
| Name | Verified Name |
|---|---|
| Address | 3907 SUTHERLAND AVE, WATERVLIET, MI 49098-9359 |
| Document Number | 0031682023 |
|---|---|
| Date | Apr 7, 2017 |
| Instrument | 3168/2023 |
| Name | AMERIFIRST FINANCIAL CORP |
|---|---|
| Type | Funding / Finance Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 1, 2047 |
The 2025 property tax bill for 3907 Sutherland Ave was $1,937 with a homeowner's exemption, up 2.9% from the year before.
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 | $67,900 (+1.49%) | $135,800 (+1.49%) | |
| 2025 | $1,937.00 (+2.87%) Homeowner's exemption | $66,900 | $133,800 |
| 2024 | $1,883.00 | ||
| 2023 | $53,800 | $107,600 | |
| 2022 | $1,498.00 |
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.
FEMA maps place 3907 Sutherland Ave in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.
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 A, within 100 ft |
| 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 3907 Sutherland Ave 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: EPA Safe Drinking Water Information System, as of September 2026
| Water System | WATERVLIET serves 2,735 people · EPA ID MI0006930 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Mar 2025 |
| Lead | Under 1 ppb (2022–2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | No certified operator Oct 2020 |
| Monitoring and Reporting | 2 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 195 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Surf Internet Fiber | 8,000 / 8,000 |
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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