405 E Main St, Centreville, MI 49032 Property Records

St. Joseph County property record for 405 E Main St, Centreville, MI 49032

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 3,334 sqft
Lot Size	0.63 acres (27,443 sqft)
Owner	2 Individual Names on Record
Last Sale	$184,000 (Mar 2018)
Tax Bill	$2,701 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Mar 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`042-040-015-00`

Property Details

APN / Parcel Number

Primary APN	`042-040-015-00`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Building Area	3,334 sqft Building Perimeter
1st Floor Area	2,322 sqft
Basement Area	2,203 sqft
Unfinished Basement	2,203 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Lot Area	27,443 sqft (0.63 acres)
Garage Area	900 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	405 E MAIN ST
City	CENTREVILLE
State	MI
Zip	49032-9626
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 5-6-7 BLK 54 EXC N 140 FT OF LOT 5 ASSESSORS PLAT NO. 1 VIL OF CENTREVILLE.
Legal Subdivision	VIL OF CENTREVILLE
Legal Block	54
Legal Lot Number	5-7
Jurisdiction	ST JOSEPH MI
Township / Civil Division	NOTTAWA
Census Block Group	2
Census Block	2031
Census Tract	41301

Owner

Source: St. Joseph County records, as of July 20, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	405 E MAIN ST, CENTREVILLE, MI 49032-9626
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 18, 2021	Deed of Trust, Mortgage · Conventional Mortgage SOUTHERN MICHIGAN BANK & TRUST
Mar 16, 2018	Warranty Deed, Transfer · Conventional Mortgage ASSOCIATED BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 16, 2018 · Amount on Record
Deed Sale	Mar 16, 2018 · Amount on Record
Prior Sale	Sep 25, 1997
Deed Book / Page	1907 / 399
Record Updated	Sep 20, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH MI
Property Address	405 E MAIN ST, CENTREVILLE, MI 49032-9626
Transaction Type	Mortgage
Record Updated	May 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	405 E MAIN ST, CENTREVILLE, MI 49032-9626

Mortgage

Document Number	2021008299
Date	Aug 18, 2021
Instrument	2021008299

Lender

Name	SOUTHERN MICHIGAN BANK & TRUST
Type	Bank
Address	COLDWATER, MI 49036

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

March 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOSEPH MI
Recording Date	Mar 16, 2018
Property Address	405 E MAIN ST, CENTREVILLE, MI 49032-9626
Document Number	01907/0399
Book / Page	1907 / 0399
Map Reference	LB2 PG60
Instrument Date	Mar 13, 2018
Transaction Type	Transfer
Record Updated	May 3, 2022
Title Company	PATRICK ABSTRACT AND TITLE, PATRICK ABSTRACT & TITLE OF

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,582.40
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 369, CENTREVILLE, MI 49032-0369

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1312 N 10TH ST, WAUSAU, WI 54403-3615

Mortgage

Document Number	0001907400
Date	Mar 16, 2018
Instrument	1907/400

Lender

Name	ASSOCIATED BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2048

Tax Assessment & Valuation

Source: St. Joseph County assessment roll, as of August 11, 2025

Property Jurisdictions

Type	Name
State	Michigan
Municipality	Centreville Village
County	St. Joseph County
County Subdivision	Nottawa Township
Unified School District	Centreville Public Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$143,700	$287,400
2025	$2,701.00 Homeowner's exemption

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

Flood

Source: FEMA National Flood Hazard Layer, effective June 4, 2010 · 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

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

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	Direct burnable vegetation

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	CENTREVILLE serves 1,579 people · EPA ID MI0001310
Water Source	Groundwater
Last State Inspection	Sep 2023
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 64 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Midwest Energy & Communications Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Mercury Fiber Fixed Wireless	150 / 20

May also be available: AT&T, Frontier, T-Mobile.

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