Berrien County property record for 409 Hickory St, Three Oaks, MI 49128
| Property Type | Single Family Home |
|---|---|
| Details | 1.5 ba · 1,826 sqft · built 1909 |
| Lot Size | 0.22 acres (9,583 sqft) |
| Owner | Individual Name on File |
| Last Sale | $60,000 (Feb 1998) |
| Tax Bill | $1,270 (2025) |
| Deeds & Mortgages | Oct 2023 Line of Credit Sep 2017 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 47-3050-0005-00-7 |
| Primary APN | 47-3050-0005-00-7 |
|---|---|
| Alternative APN |
|
| Full Baths | 1.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,826 sqft Living Area |
| 1st Floor Area | 1,658 sqft |
| Basement Area | 848 sqft |
| Unfinished Basement | 848 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1909 |
|---|---|
| Effective Year Built | Effective 1909 |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 9,583 sqft (0.22 acres) |
| Lot Dimensions | 190 ft deep x 50 ft wide |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 409 HICKORY ST |
|---|---|
| City | THREE OAKS |
| State | MI |
| Zip | 49128-1041 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 5 HASTING'S & HEWSON'S ADD TO VILL OF THREE OAKS |
| Legal Subdivision | HASTINGS & HEWSONS ADD |
| Legal Lot Number | 5 |
| Legal Unit | 5 |
| Jurisdiction | BERRIEN MI |
| Township / Civil Division | THREE OAKS |
| Census Block Group | 1 |
| Census Block | 1035 |
| Census Tract | 11400 |
409 Hickory St is owned and occupied by an individual who bought it in February 1998.
Source: Berrien County records, as of September 28, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 409 HICKORY ST, THREE OAKS, MI 49128-1041 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
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 |
|---|---|
| Oct 30, 2023 | Deed of Trust, Mortgage · Line of Credit NOTRE DAME FCU |
| Sep 19, 2017 | Deed of Trust, Mortgage · Line of Credit NOTRE DAME FCU |
| Jan 21, 2021 | Deed of Trust, Mortgage · Conventional Mortgage EDGEWATER BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 6, 1998 · Amount on File |
| Deed Sale | Feb 6, 1998 · Amount on File |
| Prior Sale | Jun 8, 1984 · Amount on File |
| Deed Book / Page | 1862 / 862 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERRIEN MI |
| Property Address | 409 HICKORY ST, THREE OAKS, MI 49128-1041 |
| Transaction Type | Mortgage |
| Record Updated | Nov 17, 2023 |
| Name | Verified Name |
|---|
| Document Number | 03414/3949 |
|---|---|
| Date | Oct 30, 2023 |
| Book Page | 3414/3949 |
| Instrument | 2023391873 |
| Name | NOTRE DAME FCU |
|---|---|
| Type | Credit Union |
| Address | NOTRE DAME, IN 46556 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 15, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERRIEN MI |
| Property Address | 409 HICKORY ST, THREE OAKS, MI 49128-1041 |
| Transaction Type | Mortgage |
| Record Updated | Nov 9, 2023 |
| Name | Verified Name |
|---|
| Document Number | 03183/2863 |
|---|---|
| Date | Sep 19, 2017 |
| Book Page | 3183/2863 |
| Instrument | 3183-2863 |
| Name | NOTRE DAME FCU |
|---|---|
| Type | Credit Union |
| Address | NOTRE DAME, IN 46556 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 84 Months |
| Due | Sep 15, 2024 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERRIEN MI |
| Property Address | 409 HICKORY ST, THREE OAKS, MI 49128-1041 |
| Transaction Type | Mortgage |
| Record Updated | Nov 9, 2023 |
| Name | Verified Name |
|---|
| Document Number | 03309/3044 |
|---|---|
| Date | Jan 21, 2021 |
| Book Page | 3309/3044 |
| Name | EDGEWATER BANK |
|---|---|
| Type | Bank |
| Address | SAINT JOSEPH, MI 49085 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2051 |
The 2025 property tax bill for 409 Hickory St was $1,270 with a homeowner's exemption.
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 | $118,900 | $237,800 | |
| 2025 | $1,270.00 | ||
| 2023 | $107,300 | $214,600 | |
| 2022 | $1,122.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 409 Hickory St in Zone X, an area of minimal flood risk.
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.
The area around 409 Hickory St 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.
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 123 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 |
| Mercury Fiber Fixed Wireless | 150 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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