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400 N Bluff St, Berrien Springs, MI 49103 Property Records

Berrien County property record for 400 N Bluff St, Berrien Springs, MI 49103

Property Summary

Property TypeSingle Family Home
Details2 bd · 2 ba · 1,092 sqft · built 1940
Lot Size0.38 acres (16,553 sqft)
OwnerIndividual Name on File
Last Sale$176,000 (Jun 2023)
Tax Bill$2,550 (2025)
Deeds & MortgagesDec 2023 Line of Credit
Jun 2023 Sale
Flood ZoneZone X (minimal risk)
APN32-0118-0064-00-3

Property Details

APN / Parcel Number

Primary APN32-0118-0064-00-3
Alternative APN
  • 11-32-0118-0064-00-3

Interior

Bedrooms2 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,092 sqft Living Area
1st Floor Area1,092 sqft
Basement Area1,092 sqft
Unfinished Basement1,092 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1940
Effective Year BuiltEffective 1940
Architectural StyleBungalow
Lot Area16,553 sqft (0.38 acres)
Lot Dimensions150 ft deep x 222 ft wide
Garage Area660 sqft
Parking Spaces2 Parking Spaces

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C

Location & Zoning

Street Address400 N BLUFF ST
CityBERRIEN SPRINGS
StateMI
Zip49103-1059
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR-1A
Legal DescriptionCOM 50' S40DEG E OF SW COR OF LOT 23 ASSESSOR'S PLAT OF GRAHAM MC OMBER ADD TO VILLAGE OF BERRIEN SPRINGS TH N50DEG10'E 62.5' TH N86DEG59'E 93.3' TO WLY LN OF SHAKER FARM ROAD TH S2DEG37'E 118.9' TH S2DEG08'W 97.1' TH N40DEG W 222.6' TO BEG
Legal SubdivisionASSESSORS PLAT OF GRAHAM MC OMBER ADD
Legal Lot Number23
Legal Unit23
JurisdictionBERRIEN MI
Township / Civil DivisionORONOKO
Census Block Group1
Census Block1016
Census Tract21300

Owner

400 N Bluff St is owned and occupied by an individual who bought it in June 2023.

Source: Berrien County records, as of September 28, 2026

Owner of RecordIndividual Name on File
Mailing Address400 N BLUFF ST, BERRIEN SPRINGS, MI 49103-1059
OccupancyOwner Occupied
Owner TypeIndividual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

DateDocument
Dec 5, 2023Deed of Trust, Mortgage · Line of Credit
STURGIS BANK & TRUST CO
Jun 1, 2023Warranty Deed, Transfer
ACCOMODATION, ACCOMMODATION

Assessor's Deed Record

Deed NamesName on Deed
Last SaleJun 1, 2023 · Amount on File
Deed SaleJun 1, 2023 · Amount on File
Deed Document Number2023381654
Deed Book / Page3404 / 4412
Record UpdatedOct 29, 2026

December 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionBERRIEN MI
Property Address400 N BLUFF ST, BERRIEN SPRINGS, MI 49103-1059
Transaction TypeMortgage
Record UpdatedDec 26, 2023

Transferred To (Grantee/Buyer)

NameVerified Name
Address400 N BLUFF ST, BERRIEN SPRINGS, MI 49103-1059

Mortgage

Document Number03416/4150
DateDec 5, 2023
Book Page3416/4150
Instrument2023394061
Lender
NameSTURGIS BANK & TRUST CO
TypeBank
AddressSTURGIS, MI 49091
Agreement
TypeLine of Credit
AmountAmount on Record
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

June 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBERRIEN MI
Recording DateJun 1, 2023
Property Address400 N BLUFF ST, BERRIEN SPRINGS, MI 49103-1059
Document Number03404/4412
Book / Page3404 / 4412
Instrument DateMay 18, 2023
Instrument2023381654
Transaction TypeTransfer
Record UpdatedNov 9, 2023
Title CompanyACCOMODATION, ACCOMMODATION

Transaction

AmountAmount on Record
Tax$1,320.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants by the Entirety
Address400 N BLUFF ST, BERRIEN SPRINGS, MI 49103-1059

Tax Assessment & Valuation

The 2025 property tax bill for 400 N Bluff St was $2,550 with a homeowner's exemption.

Source: Berrien County assessment roll, as of September 28, 2026

Property Jurisdictions

TypeName
StateMichigan
CountyBerrien County
County SubdivisionOronoko Charter Township
MunicipalityBerrien Springs Village
Unified School DistrictBerrien Springs Public Schools (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$102,500$205,000
2025$2,550.00
2023$78,600$157,200
2022$1,490.00

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

FEMA maps place 400 N Bluff St 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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone A, within 100 ft
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies4 in force
Nearby Flood Claims4 (1982–2026)
Claims Outside the SFHA2 of 4
Most Recent ClaimApr 2026 · rainfall accumulation

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

Wildfire risk around 400 N Bluff 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 RiskLow
lower than 93% of the US · lower than 83% of Michigan
Wildfire LikelihoodUnder 0.01% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water SystemBERRIEN SPRINGS
serves 1,910 people · EPA ID MI0000650
Water SourceGroundwater
Last State InspectionFeb 2026
Lead2 ppb (2021–2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureLead service line inventory
Oct 2024
Monitoring and Reporting5
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 278 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable		2,000 / 250
Mercury Fiber
Fixed Wireless		150 / 20

May also be available: Midwest Energy & Communications.

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