401 Gary Ave, Benton Harbor, MI 49022 Property Records

Berrien County property record for 401 Gary Ave, Benton Harbor, MI 49022

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 816 sqft · built 1958
Lot Size	0.228 acres (9,932 sqft)
Owner	2 Individual Names on File
Last Sale	$69,500 (May 1999)
Tax Bill	$1,072 (2025)
Deeds & Mortgages	Jun 2026 Sale Aug 2020 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`18-0920-0008-00-9`

Property Details

APN / Parcel Number

Primary APN	`18-0920-0008-00-9`
Alternative APN	`11-18-0920-0008-00-9`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Building Area	816 sqft Living Area
1st Floor Area	816 sqft
Basement Area	816 sqft
Unfinished Basement	816 sqft

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1958
Architectural Style	Raised Ranch
Lot Area	9,932 sqft (0.228 acres)
Lot Dimensions	133 ft deep x 74.5 ft wide
Garage Area	288 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	401 GARY AVE
City	BENTON HARBOR
State	MI
Zip	49022-7025
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2 - SINGL
Legal Description	LOT 8 BODTKE SUBDIVISION
Legal Subdivision	BODTKE SUBDIVISION
Legal Lot Number	8
Legal Unit	8
Jurisdiction	BERRIEN MI
Township / Civil Division	ST. JOSEPH
Census Block Group	3
Census Block	3036
Census Tract	700

Owner

401 Gary Ave is owned and occupied by two individuals who bought it in May 1999.

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

Owner of Record	2 Individual Names on File
Mailing Address	401 GARY AVE, BENTON HARBOR, MI 49022-7025
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

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

Date	Document
Jun 5, 2026	Warranty Deed, Transfer NONE LISTED ON DOCUMENT
Aug 28, 2020	Deed of Trust, Mortgage · FHA Mortgage VILLAGE CAPITAL & INVESTMENT LLC
May 7, 2019	Deed of Trust, Mortgage · FHA Mortgage VILLAGE CAPITAL & INVESTMENT LLC
Jan 7, 2020	Deed of Trust, Mortgage · FHA Mortgage VILLAGE CAPITAL & INVESTMENT LLC
Jun 21, 2021	Deed of Trust, Mortgage · FHA Mortgage VILLAGE CAPITAL & INVESTMENT LLC
Jun 13, 2019	Intrafamily Transfer, Transfer MILESTONE SETTLEMENT LLC, MILESTONE SETTLEMENT

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 20, 1999 · Amount on File
Deed Sale	May 20, 1999 · Amount on File
Prior Sale	May 25, 1994 · Amount on File
Deed Book / Page	1973 / 1005
Transfer Doc	03240/0837
Record Updated	Oct 29, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BERRIEN MI
Recording Date	Jun 5, 2026
Property Address	401 GARY AVE, BENTON HARBOR, MI 49022-7025
Document Number	0000462681
Book / Page	3479 / 910
Instrument Date	May 29, 2026
Instrument	2026462681
Transaction Type	Transfer
Record Updated	Aug 29, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	401 GARY AVE, BENTON HARBOR, MI 49022-7025

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	401 GARY AVE, BENTON HARBOR, MI 49022-7025
Transaction Type	Mortgage
Record Updated	Nov 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	03288/1798
Date	Aug 28, 2020
Book Page	3288/1798

Lender

Name	VILLAGE CAPITAL & INVESTMENT LLC
Type	Mortgage Company
Address	HENDERSON, NV 89052

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	265 Months
Due	Sep 1, 2042

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	401 GARY AVE, BENTON HARBOR, MI 49022-7025
Transaction Type	Mortgage
Record Updated	Nov 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	03236/2399
Date	May 7, 2019
Book Page	3236/2399

Lender

Name	VILLAGE CAPITAL & INVESTMENT LLC
Type	Mortgage Company
Address	HENDERSON, NV 89052

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	265 Months
Due	Jun 1, 2041

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	401 GARY AVE, BENTON HARBOR, MI 49022-7025
Transaction Type	Mortgage
Record Updated	Nov 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	03261/2174
Date	Jan 7, 2020
Book Page	3261/2174

Lender

Name	VILLAGE CAPITAL & INVESTMENT LLC
Type	Mortgage Company
Address	HENDERSON, NV 89052

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	265 Months
Due	Feb 1, 2042

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	401 GARY AVE, BENTON HARBOR, MI 49022-7025
Transaction Type	Mortgage
Record Updated	Nov 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	03332/2054
Date	Jun 21, 2021
Book Page	3332/2054

Lender

Name	VILLAGE CAPITAL & INVESTMENT LLC
Type	Mortgage Company
Address	HENDERSON, NV 89074

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	257 Months
Due	Nov 1, 2042

June 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BERRIEN MI
Recording Date	Jun 13, 2019
Property Address	401 GARY AVE, BENTON HARBOR, MI 49022-7025
Document Number	03240/0837
Book / Page	3240 / 0837
Map Reference	LB 12 PG 38
Instrument Date	Apr 12, 2019
Transaction Type	Transfer
Record Updated	Nov 9, 2023
Title Company	MILESTONE SETTLEMENT LLC, MILESTONE SETTLEMENT

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	401 GARY AVE, BENTON HARBOR, MI 49022-7025

Tax Assessment & Valuation

The 2025 property tax bill for 401 Gary Ave was $1,072 with a homeowner's exemption, up 2.9% from the year before.

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

Property Jurisdictions

Type	Name
State	Michigan
County	Berrien County
County Subdivision	St. Joseph Charter Township
Unified School District	Benton Harbor Area Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$55,400 (-1.07%)	$110,800 (-1.07%)
2025	$1,072.00 (+2.88%) Homeowner's exemption	$56,000	$112,000
2024	$1,042.00
2023		$35,700	$71,400
2022	$948.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 401 Gary Ave in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2018.

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	1 in force
Nearby Flood Claims	1 (2018)
Most Recent Claim	Feb 2018 · river or lake flooding

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

The area around 401 Gary Ave has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

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 System	SOUTHWEST MICHIGAN REGIONAL SANITARY SEW serves 26,780 people · EPA ID MI0003726
Water Source	Purchased surface water from ST JOSEPH
Last State Inspection	Feb 2025
Lead	1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 438 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

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