Berrien County property record for 4 Oak St, Three Oaks, MI 49128
| Property Type | Single Family Home |
|---|---|
| Details | 1.5 ba · 1,816 sqft · built 1890 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $4,554 (2025) |
| Deeds & Mortgages | Oct 2023 Line of Credit Jun 2023 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 47-0340-0010-02-2 |
| Primary APN | 47-0340-0010-02-2 |
|---|---|
| Alternative APN |
|
| Full Baths | 1.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,816 sqft Living Area |
| 1st Floor Area | 1,216 sqft |
| Basement Area | 1,216 sqft |
| Unfinished Basement | 1,216 sqft |
| Year Built | Built 1890 |
|---|---|
| Effective Year Built | Effective 1890 |
| Lot Area | 8,712 sqft (0.2 acres) |
| Lot Dimensions | 132 ft deep x 66 ft wide |
| Garage Area | 1,564 sqft |
| Parking Spaces | 6 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 4 OAK ST |
|---|---|
| City | THREE OAKS |
| State | MI |
| Zip | 49128-1134 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 10 & THE W 42'OF LOT 9 VILLAGE OF THREE OAKS |
| Legal Subdivision | VILLAGE OF THREE OAKS |
| Legal Lot Number | 9-10 |
| Legal Unit | 10,9 |
| Jurisdiction | BERRIEN MI |
| Township / Civil Division | THREE OAKS |
| Census Block Group | 1 |
| Census Block | 1045 |
| Census Tract | 11400 |
4 Oak St is owned and occupied by an individual who acquired it in June 2024.
Source: Berrien County records, as of September 28, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 4 OAK ST, THREE OAKS, MI 49128-1134 |
| 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 |
|---|---|
| Oct 2, 2023 | Deed of Trust, Mortgage · Line of Credit UNITED FCU |
| Jun 1, 2023 | Warranty Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Jun 24, 2024 |
| Transfer Doc | 03428/2996 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERRIEN MI |
| Property Address | 4 OAK ST, THREE OAKS, MI 49128-1134 |
| Transaction Type | Mortgage |
| Record Updated | Nov 9, 2023 |
| Name | Verified Name |
|---|
| Document Number | 003413/723 |
|---|---|
| Date | Oct 2, 2023 |
| Book Page | 3413/723 |
| Instrument | 2023390150 |
| Name | UNITED FCU |
|---|---|
| Type | Credit Union |
| Address | SAINT JOSEPH, MI 49085 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Oct 15, 2038 |
| Index | COF |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BERRIEN MI |
| Recording Date | Jun 1, 2023 |
| Property Address | 4 OAK ST, THREE OAKS, MI 49128-1134 |
| Document Number | 003405/127 |
| Book / Page | 3405 / 127 |
| Instrument Date | May 31, 2023 |
| Instrument | 2023381690 |
| Transaction Type | Transfer |
| Record Updated | Nov 9, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4 OAK ST, THREE OAKS, MI 49128-1134 |
| Name | Verified Name |
|---|---|
| Relationship | Irrevocable Living Trust |
| Address | 4 OAK ST, THREE OAKS, MI 49128-1134 |
The 2025 property tax bill for 4 Oak St was $4,554.
Source: Berrien County assessment roll, as of September 28, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Berrien County |
| County Subdivision | Three Oaks Township |
| Municipality | Three Oaks Village |
| Unified School District | River Valley School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $114,800 | $229,600 | |
| 2025 | $4,554.00 | ||
| 2023 | $104,300 | $208,600 | |
| 2022 | $976.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4 Oak St 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 4 Oak St 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 99.1% of the US · lower than 98.4% 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 | THREE OAKS serves 1,622 people · EPA ID MI0006600 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jan 2025 |
| Lead | 8 ppb (2022–2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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 343 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 |
| Mercury Fiber Fixed Wireless | 150 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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