Berrien County property record for 409 Oak St, Three Oaks, MI 49128
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 1,266 sqft · built 1900 |
| Lot Size | 0.18 acres (7,841 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $425,000 (Jul 2026) |
| Tax Bill | $807 (2025) |
| Deeds & Mortgages | Jul 2026 Sale & Mortgage Mar 2026 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 47-1200-0009-04-1 |
| Primary APN | 47-1200-0009-04-1 |
|---|---|
| Alternative APN |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 1,266 sqft Living Area |
| 1st Floor Area | 968 sqft |
| Basement Area | 154 sqft |
| Unfinished Basement | 154 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 7,841 sqft (0.18 acres) |
| Lot Dimensions | 132 ft deep x 60 ft wide |
| Garage Area | 280 sqft |
| Parking Spaces | 1 Parking Space |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 409 OAK ST |
|---|---|
| City | THREE OAKS |
| State | MI |
| Zip | 49128-1250 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | COM 243' S OF NW COR OF LOT I CHAMBERLAIN'S PLAT OF SUB OF NW1/4 OF NW1/4 SEC 11 T8S R20W TH S 60' TH E 132' TH N 60' TH W 132' TO BEG |
| Legal Range | 20W |
| Legal Township | 08S |
| Legal Section | 11 |
| Legal Subdivision | CHAMBERLAINS PLAT OF SUB |
| Legal Lot Number | I |
| Legal Unit | 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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 1500 PARK WEST CIR, MUNSTER, IN 46321-3972 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Jul 22, 2026 | Warranty Deed, Transfer · Conventional Mortgage PEOPLES BANK |
| Mar 18, 2026 | Warranty Deed, Transfer E-CHICAGO TITLE, CHICAGO TITLE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 22, 2026 · Amount on Record |
| Deed Sale | Jul 22, 2026 · Amount on Record |
| Deed Document Number | 2026466372 |
| Deed Book / Page | 3483 / 509 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BERRIEN MI |
| Recording Date | Jul 22, 2026 |
| Property Address | 409 OAK ST, THREE OAKS, MI 49128-1250 |
| Document Number | 0000466372 |
| Book / Page | 3483 / 509 |
| Instrument Date | Jul 20, 2026 |
| Instrument | 2026466372 |
| Transaction Type | Transfer |
| Record Updated | Sep 21, 2026 |
| Title Company | MERIDIAN TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $321,937.50 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1500 PARK WEST CIR, MUNSTER, IN 46321-3972 |
| Document Number | 0000466373, |
|---|---|
| Date | Jul 22, 2026 |
| Instrument | 2026466373 |
| Name | PEOPLES BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.38% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BERRIEN MI |
| Recording Date | Mar 18, 2026 |
| Property Address | 409 OAK ST, THREE OAKS, MI 49128-1250 |
| Document Number | 03472/4496 |
| Book / Page | 3472 / 4496 |
| Instrument Date | Feb 27, 2026 |
| Instrument | 2026456323 |
| Transaction Type | Transfer |
| Record Updated | Apr 15, 2026 |
| Title Company | E-CHICAGO TITLE, CHICAGO TITLE |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 465 OAK KNOLL RD, BARRINGTON, IL 60010-2619 |
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 | $73,400 (+3.53%) | $146,800 (+3.53%) | |
| 2025 | $807.00 (+2.54%) Homeowner's exemption | $70,900 (+9.58%) | $141,800 (+9.58%) |
| 2024 | $787.00 (+10.07%) | ||
| 2023 | $64,700 | $129,400 | |
| 2022 | $715.00 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 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 | 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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