Berrien County property record for 400 Cedar St, Three Oaks, MI 49128
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 4.5 ba · 3,688 sqft · built 1920 |
| Lot Size | 4.9 acres (213,444 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $373,000 (Nov 1999) |
| Tax Bill | $6,405 (2025) |
| Deeds & Mortgages | Oct 2018 Mortgage Jul 2023 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 47-1200-0008-02-8 |
| Primary APN | 47-1200-0008-02-8 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 4.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 3,688 sqft Living Area |
| 1st Floor Area | 1,844 sqft |
| Basement Area | 1,544 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 213,444 sqft (4.9 acres) |
| Garage Area | 1,740 sqft |
| Parking Spaces | 6 Parking Spaces |
| Total Buildings | 4 Buildings |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 400 CEDAR ST |
|---|---|
| City | THREE OAKS |
| State | MI |
| Zip | 49128-1207 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | THE S 165'OF THE E 241.54'OF LOT G CHAMBERLAINS PLAT OF SUB OF NW1/4 OF NW1/4 SEC 11 T8S R20W ALSO LOT H SD PLAT EXC THE S 135'OF E 135' OF SD LOT H ALSO A STRIP OF LAND BOUNDED ON THE W BY E LN SD PLAT & ON THE S BY N LN OF PAW PAW ST & ON THE E BY |
| Legal Range | 20W |
| Legal Township | 08S |
| Legal Section | 11 |
| Legal Subdivision | CHAMBERLAINS PLAT OF SUB |
| Legal Lot Number | G,H |
| Legal Unit | G,H,H |
| Jurisdiction | BERRIEN MI |
| Township / Civil Division | THREE OAKS |
| Census Block Group | 2 |
| Census Block | 2008 |
| Census Tract | 11400 |
400 Cedar St is owned and occupied by two individuals who bought it in November 1999.
Source: Berrien County records, as of September 28, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 400 CEDAR ST, THREE OAKS, MI 49128-1207 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 12, 2018 | Deed of Trust, Mortgage · Commercial Mortgage HORIZON BANK |
| Jul 12, 2023 | Deed of Trust, Mortgage · Conventional Mortgage INDEPENDENT BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 29, 1999 · Amount on File |
| Deed Sale | Nov 29, 1999 · Amount on File |
| Deed Book / Page | 2025 / 127 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERRIEN MI |
| Property Address | 400 CEDAR ST, THREE OAKS, MI 49128-1207 |
| Transaction Type | Mortgage |
| Record Updated | Nov 9, 2023 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 03219/2433 |
|---|---|
| Date | Oct 12, 2018 |
| Book Page | 3219/2433 |
| Name | HORIZON BANK |
|---|---|
| Type | Bank |
| Address | MICHIGAN CITY, IN 46360 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Oct 3, 2043 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERRIEN MI |
| Property Address | 400 CEDAR ST, THREE OAKS, MI 49128-1207 |
| Transaction Type | Mortgage |
| Record Updated | Nov 9, 2023 |
| Title Company | DIVERSIFIED NATIONAL TITLE |
| Name | Verified Name |
|---|---|
| Address | 400 CEDAR ST, THREE OAKS, MI 49128-1207 |
| Document Number | 03407/3547 |
|---|---|
| Date | Jul 12, 2023 |
| Book Page | 3407/3547 |
| Instrument | 2023384541 |
| Name | INDEPENDENT BANK |
|---|---|
| Type | Bank |
| Address | GRAND RAPIDS, MI 49525 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2053 |
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 | $518,200 (+14.07%) | $1,036,400 (+14.07%) | |
| 2025 | $6,405.00 (+13.4%) | ||
| 2023 | $454,300 | $908,600 | |
| 2022 | $5,648.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 400 Cedar 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 400 Cedar 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 96% of the US · lower than 91% of Michigan |
|---|---|
| Wildfire Likelihood | Under 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.
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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