Berrien County property record for 403 State St, Saint Joseph, MI 49085
| Property Type | Retail Stores (Personal Services, Photography, Travel) |
|---|---|
| Details | 8,076 sqft |
| Lot Size | 0.242 acres (10,561 sqft) |
| Owner | Company Name on Record |
| Last Sale | $499,000 (Nov 2009) |
| Tax Bill | $20,038 (2025) |
| Deeds & Mortgages | Sep 2007 Mortgage Jan 2008 Mortgage + 6 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 76-2850-0007-00-1 |
| Primary APN | 76-2850-0007-00-1 |
|---|---|
| Alternative APN |
|
| Units | 6 Units |
|---|---|
| Stories | 1 Story |
| Building Area | 8,076 sqft Total Area |
| Fire Resistance | Masonry Walls, Wood Interior |
|---|---|
| Lot Area | 10,561 sqft (0.242 acres) |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 403 STATE ST, 7 |
|---|---|
| City | SAINT JOSEPH |
| State | MI |
| Zip | 49085-3903 |
| Property Category | Commercial |
| Property Type | Commercial > Retail > Retail Stores (Personal Services, Photography, Travel) |
| Local Zoning Code | D |
| Legal Description | UNIT 7 GREAT LAKES CONDO LIBER 254 PAGE 1 |
| Legal Subdivision | GREAT LAKES CONDOMINIUM |
| Legal Unit | 7 |
| Jurisdiction | BERRIEN MI |
| Township / Civil Division | ST. JOSEPH |
| Census Block Group | 2 |
| Census Block | 2016 |
| Census Tract | 801 |
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 | Company Name on Record |
|---|---|
| Mailing Address | 515 SHIP ST, 205, SAINT JOSEPH, MI 49085-1155 |
| Owner Type | Company |
| Vesting | Company |
| Date | Document |
|---|---|
| Sep 26, 2007 | Deed of Trust, Mortgage · Commercial Mortgage THE BANK OF HOLLAND |
| Jan 17, 2008 | Deed of Trust, Mortgage THE BANK OF HOLLAND |
| Aug 26, 2014 | Deed of Trust, Mortgage · Conventional Mortgage MUTUAL BANK FSB |
| Dec 19, 2005 | Deed of Trust, Mortgage MERCANTILE BANK MORTGAGE COMPANY LLC |
| May 29, 2024 | Warranty Deed, Transfer · Line of Credit HORIZON BANK |
| Sep 12, 2022 | Intrafamily Transfer, Transfer |
| Nov 24, 2009 | Warranty Deed, Transfer CHICAGO TITLE MERIDIAN, CHICAGO TITLE OF MICHIGAN |
| Oct 7, 2009 | Sheriff's Deed, Foreclosure |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 24, 2009 · Amount on Record |
| Deed Sale | Nov 24, 2009 · Amount on Record |
| Prior Sale | Oct 7, 2009 · Amount on Record |
| Deed Book / Page | 2904 / 2177 |
| Last Transfer Date | Sep 8, 2022 |
| Transfer Doc | 03385/2003 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERRIEN MI |
| Property Address | 403 STATE ST # 7, 7, SAINT JOSEPH, MI 49085-3903 |
| Transaction Type | Mortgage |
| Record Updated | Jun 5, 2026 |
| Title Company | CHICAGO TITLE COMPANY, CTIC |
| Name | Verified Name |
|---|
| Document Number | 02811/2094 |
|---|---|
| Date | Sep 26, 2007 |
| Book Page | 2811/2094 |
| Name | THE BANK OF HOLLAND |
|---|---|
| Type | Bank |
| Address | HOLLAND, MI 49422 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERRIEN MI |
| Property Address | 403 STATE ST # 7, 7, SAINT JOSEPH, MI 49085-3903 |
| Transaction Type | Mortgage |
| Record Updated | Jun 5, 2026 |
| Name | Verified Name |
|---|
| Document Number | 02826/0961 |
|---|---|
| Date | Jan 17, 2008 |
| Book Page | 2826/0961 |
| Name | THE BANK OF HOLLAND |
|---|---|
| Type | Bank |
| Address | HOLLAND, MI 49422 |
| Amount | Amount Recorded |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERRIEN MI |
| Property Address | 403 STATE ST # 7, 7, SAINT JOSEPH, MI 49085-3903 |
| Transaction Type | Mortgage |
| Record Updated | Jun 5, 2026 |
| Title Company | MTC |
| Name | Verified Name |
|---|
| Document Number | 03080/1003 |
|---|---|
| Date | Aug 26, 2014 |
| Book Page | 3080/1003 |
| Name | MUTUAL BANK FSB |
|---|---|
| Type | Bank |
| Address | MUNCIE, IN 47305 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Sep 1, 2029 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERRIEN MI |
| Property Address | 403 STATE ST # 7, 7, SAINT JOSEPH, MI 49085-3903 |
| Transaction Type | Mortgage |
| Record Updated | Jun 5, 2026 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 02673/2095 |
|---|---|
| Date | Dec 19, 2005 |
| Book Page | 2673/2095 |
| Name | MERCANTILE BANK MORTGAGE COMPANY LLC |
|---|---|
| Type | Mortgage Company |
| Address | 310 LEONARD ST NW, GRAND RAPIDS, MI 49504 |
| Amount | Amount Recorded |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BERRIEN MI |
| Recording Date | May 29, 2024 |
| Property Address | 403 STATE ST # 7, 7, SAINT JOSEPH, MI 49085-3903 |
| Document Number | 003427/372 |
| Book / Page | 3427 / 372 |
| Map Reference | LB 254 PG 1 |
| Instrument Date | May 16, 2024 |
| Instrument | 2024406735 |
| Transaction Type | Transfer |
| Record Updated | Jun 5, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 515 SHIP ST STE 205, 205, SAINT JOSEPH, MI 49085-1155 |
| Document Number | 2024406736 |
|---|---|
| Date | May 29, 2024 |
| Instrument | 2024406736 |
| Name | HORIZON BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | May 16, 2029 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | BERRIEN MI |
| Recording Date | Sep 12, 2022 |
| Property Address | 403 STATE ST # 7, 7, SAINT JOSEPH, MI 49085-3903 |
| Document Number | 03385/2003 |
| Book / Page | 3385 / 2003 |
| Map Reference | LB 254 PG 1 |
| Instrument Date | Sep 8, 2022 |
| Instrument | 2022362245 |
| Transaction Type | Transfer |
| Record Updated | Jun 5, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4 HARTFORD BLVD, HARTFORD, MI 49057-8756 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BERRIEN MI |
| Recording Date | Nov 24, 2009 |
| Property Address | 403 STATE ST # 7, 7, SAINT JOSEPH, MI 49085-3903 |
| Document Number | 02904/2177 |
| Book / Page | 2904 / 2177 |
| Instrument Date | Nov 20, 2009 |
| Transaction Type | Transfer |
| Record Updated | Jun 5, 2026 |
| Title Company | CHICAGO TITLE MERIDIAN, CHICAGO TITLE OF MICHIGAN |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 10731 BROOKVIEW DR, ZEELAND, MI 49464-8603 |
| Name | Verified Name |
|---|---|
| Address | 4 HARTFORD BLVD, HARTFORD, MI 49057-8756 |
| Document Type | Sheriff's Deed |
|---|---|
| Jurisdiction | BERRIEN MI |
| Recording Date | Oct 7, 2009 |
| Property Address | 403 STATE ST # 7, 7, SAINT JOSEPH, MI 49085-3903 |
| Document Number | 02900/0596 |
| Book / Page | 2900 / 0596 |
| Map Reference | LB254 PG1 |
| Instrument Date | Sep 24, 2009 |
| Transaction Type | Foreclosure |
| Record Updated | Jun 5, 2026 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 150 CENTRAL AVE, HOLLAND, MI 49423-2833 |
Source: Berrien County assessment roll, as of September 28, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Berrien County |
| Municipality | St. Joseph City |
| Unified School District | St. Joseph Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $347,200 (+4.39%) | $694,400 (+4.39%) | |
| 2025 | $20,038.00 (+37.71%) | $332,600 (+26.22%) | $665,200 (+26.22%) |
| 2024 | $14,551.00 (+9.59%) | ||
| 2023 | $263,500 | $527,000 | |
| 2022 | $13,278.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | ST JOSEPH serves 7,930 people · EPA ID MI0006310 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jun 2025 |
| Lead | 4 ppb (2026) 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 702 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless · DSL · Fiber in parts of the area | 100 / 20 |
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