Berrien County property record for 404 Cedar St, Three Oaks, MI 49128
| Property Type | Single Family Home |
|---|---|
| Details | 1.5 ba · 1,709 sqft · built 1948 |
| Lot Size | 0.22 acres (9,583 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $289,000 (Apr 2024) |
| Tax Bill | $3,611 (2025) |
| Deeds & Mortgages | Apr 2024 Sale & Mortgage Sep 2021 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 47-1200-0009-16-4 |
| Primary APN | 47-1200-0009-16-4 |
|---|---|
| Alternative APN |
|
| Full Baths | 1.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,709 sqft Living Area |
| 1st Floor Area | 1,109 sqft |
| Basement Area | 684 sqft |
| Unfinished Basement | 684 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1948 |
|---|---|
| Effective Year Built | Effective 1948 |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 9,583 sqft (0.22 acres) |
| Lot Dimensions | 105 ft deep x 90 ft wide |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 404 CEDAR ST |
|---|---|
| City | THREE OAKS |
| State | MI |
| Zip | 49128-1207 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PT OF LOT I CHAMBERLAIN'S SUB OF NW1/4 OF NW1/4 OF SEC 11 T8S R20W COM AT NE COR SD LOT I TH S 93' TO POB TH W 105.5' TH S 55' TH W 20' TH S 35' TH E 125.5' TH N 90' TO POB |
| Legal Range | 20W |
| Legal Township | 08S |
| Legal Section | 11 |
| Legal Subdivision | CHAMBERLAINS SUB |
| Legal Lot Number | I |
| Legal Unit | 1,1 |
| Jurisdiction | BERRIEN MI |
| Township / Civil Division | THREE OAKS |
| Census Block Group | 2 |
| Census Block | 2033 |
| Census Tract | 11400 |
Source: Berrien County records, as of September 28, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 404 CEDAR ST, THREE OAKS, MI 49128-1207 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 29, 2024 | Warranty Deed, Transfer · USDA Mortgage AMERICAN FINANCIAL RESOURCES INC |
| Sep 9, 2021 | Deed of Trust, Mortgage · Line of Credit HORIZON BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 29, 2024 · Amount on Record |
| Deed Sale | Apr 29, 2024 · Amount on Record |
| Deed Document Number | 2024404861 |
| Deed Book / Page | 3425 / 1340 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BERRIEN MI |
| Recording Date | Apr 29, 2024 |
| Property Address | 404 CEDAR ST, THREE OAKS, MI 49128-1207 |
| Document Number | 03425/1340 |
| Book / Page | 3425 / 1340 |
| Instrument Date | Apr 18, 2024 |
| Instrument | 2024404861 |
| Transaction Type | Transfer |
| Record Updated | May 22, 2024 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,167.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 164 SALEM CHURCH RD, MORGANFIELD, KY 42437-6842 |
| Name | Verified Name |
|---|---|
| Address | 404 CEDAR ST, THREE OAKS, MI 49128-1207 |
| Document Number | 2024404862 |
|---|---|
| Date | Apr 29, 2024 |
| Instrument | 2024404862 |
| Name | AMERICAN FINANCIAL RESOURCES INC |
|---|---|
| Type | Funding / Finance Company |
| Type | USDA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2054 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERRIEN MI |
| Property Address | 404 CEDAR ST, THREE OAKS, MI 49128-1207 |
| Transaction Type | Mortgage |
| Record Updated | Nov 9, 2023 |
| Name | Verified Name |
|---|---|
| Address | 404 CEDAR ST, THREE OAKS, MI 49128-1207 |
| Document Number | 03343/1429 |
|---|---|
| Date | Sep 9, 2021 |
| Book Page | 3343/1429 |
| Name | HORIZON BANK |
|---|---|
| Type | Bank |
| Address | MICHIGAN CITY, IN 46360 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Sep 23, 2046 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
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 | $167,300 (+11.24%) | $334,600 (+11.24%) | |
| 2025 | $3,611.00 (+149.55%) | ||
| 2023 | $150,400 | $300,800 | |
| 2022 | $1,447.00 |
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 | 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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