Berrien County property record for 403 Hoover Ave, Benton Harbor, MI 49022
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,080 sqft · built 1946 |
| Lot Size | 0.234 acres (10,193 sqft) |
| Owner | Individual Name on File |
| Last Sale | $225,000 (Sep 2025) |
| Tax Bill | $1,490 (2025) |
| Deeds & Mortgages | Jan 2023 Line of Credit Sep 2025 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 18-2310-0025-00-6 |
| Primary APN | 18-2310-0025-00-6 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Building Area | 1,080 sqft Living Area |
| 1st Floor Area | 864 sqft |
| Basement Area | 864 sqft |
| Unfinished Basement | 864 sqft |
| Year Built | Built 1946 |
|---|---|
| Effective Year Built | Effective 1946 |
| Architectural Style | Bungalow |
| Lot Area | 10,193 sqft (0.234 acres) |
| Lot Dimensions | 136 ft deep x 75 ft wide |
| Garage Area | 308 sqft |
| Parking Spaces | 1 Parking Space |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 403 HOOVER AVE |
|---|---|
| City | BENTON HARBOR |
| State | MI |
| Zip | 49022-7031 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 - SINGL |
| Legal Description | LOT 25 FIELDVIEW ALSO THE E HAF OF LOT 24 FIELDVIEW |
| Legal Subdivision | FIELDVIEW |
| Legal Lot Number | 24-25 |
| Legal Unit | 25,24 |
| Jurisdiction | BERRIEN MI |
| Township / Civil Division | ST. JOSEPH |
| Census Block Group | 3 |
| Census Block | 3003 |
| Census Tract | 700 |
403 Hoover Ave is owned and occupied by an individual who bought it in September 2025.
Source: Berrien County records, as of September 28, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 403 HOOVER AVE, BENTON HARBOR, MI 49022-7031 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Unmarried Man |
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 |
|---|---|
| Jan 3, 2023 | Deed of Trust, Mortgage · Line of Credit HORIZON BANK |
| Sep 18, 2025 | Warranty Deed, Transfer · Conventional Mortgage CHURCHILL MORTGAGE CORP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 18, 2025 · Amount on File |
| Deed Sale | Sep 18, 2025 · Amount on File |
| Prior Sale | Sep 22, 2014 · Amount on File |
| Deed Document Number | 2025441888 |
| Deed Book / Page | 3460 / 521 |
| Prior Transfer Date | Sep 19, 2013 |
| Prior Transfer Doc | 03052/0104 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERRIEN MI |
| Property Address | 403 HOOVER AVE, BENTON HARBOR, MI 49022-7031 |
| Transaction Type | Mortgage |
| Record Updated | Oct 15, 2025 |
| Name | Verified Name |
|---|---|
| Address | 403 HOOVER AVE, BENTON HARBOR, MI 49022-7031 |
| Document Number | 003396/366 |
|---|---|
| Date | Jan 3, 2023 |
| Book Page | 3396/366 |
| Instrument | 2023370372 |
| Name | HORIZON BANK |
|---|---|
| Type | Bank |
| Address | MICHIGAN CITY, IN 46360 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Jan 22, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BERRIEN MI |
| Recording Date | Sep 18, 2025 |
| Property Address | 403 HOOVER AVE, BENTON HARBOR, MI 49022-7031 |
| Document Number | 003460/521 |
| Book / Page | 3460 / 521 |
| Map Reference | LB 8 PG 70 |
| Instrument Date | Sep 11, 2025 |
| Instrument | 2025441888 |
| Transaction Type | Transfer |
| Record Updated | Oct 15, 2025 |
| Title Company | CHICAGO TITLE MERIDIAN, CHICAGO TITLE OF MI INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,687.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 403 HOOVER AVE, BENTON HARBOR, MI 49022-7031 |
| Name | Verified Name |
|---|---|
| Address | 403 HOOVER AVE, BENTON HARBOR, MI 49022-7031 |
| Document Number | 0003460524 |
|---|---|
| Date | Sep 18, 2025 |
| Instrument | 3460/524 |
| Name | CHURCHILL MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2055 |
The 2025 property tax bill for 403 Hoover Ave was $1,490 with a homeowner's exemption, up 3% from the year before.
Source: Berrien County assessment roll, as of September 28, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Berrien County |
| County Subdivision | St. Joseph Charter Township |
| Unified School District | Benton Harbor Area Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $71,800 (+0.28%) | $143,600 (+0.28%) | |
| 2025 | $1,490.00 (+3.04%) Homeowner's exemption | $71,600 | $143,200 |
| 2024 | $1,446.00 | ||
| 2023 | $47,400 | $94,800 | |
| 2022 | $1,314.00 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 403 Hoover 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 risk around 403 Hoover 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 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 | 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 |
| 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.
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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