Berrien County property record for 414 Wayne St, Saint Joseph, MI 49085
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 2 ba · 1,839 sqft · built 1915 |
| Lot Size | 0.1 acres (4,356 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $2,770 (2025) |
| Deeds & Mortgages | Dec 2018 Mortgage Mar 2019 Second Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 76-0340-0417-00-5 |
| Primary APN | 76-0340-0417-00-5 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 1,839 sqft Living Area |
| 1st Floor Area | 960 sqft |
| Basement Area | 960 sqft |
| Year Built | Built 1915 |
|---|---|
| Effective Year Built | Effective 1915 |
| Lot Area | 4,356 sqft (0.1 acres) |
| Lot Dimensions | 132 ft deep x 33 ft wide |
| Heating System | Hot Water |
|---|
| Street Address | 414 WAYNE ST |
|---|---|
| City | SAINT JOSEPH |
| State | MI |
| Zip | 49085-1254 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-2 |
| Legal Description | THE NELY 1/2 OF LOT 417 ORIGINAL PLAT OF CITY OF ST JOSEPH WHOSE SWLY BDY IS PAR TO NELY BDY OF SD LOT 417 |
| Legal Subdivision | ORIGINAL OF CITY OF ST JOSEPH |
| Legal Lot Number | 417 |
| Jurisdiction | BERRIEN MI |
| Township / Civil Division | ST. JOSEPH |
| Census Block Group | 1 |
| Census Block | 1023 |
| Census Tract | 802 |
Source: Berrien County assessment roll, as of June 5, 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 File |
|---|---|
| Mailing Address | 414 WAYNE ST, SAINT JOSEPH, MI 49085-1254 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 27, 2018 | Deed of Trust, Mortgage · Conventional Mortgage CMG MORTGAGE INC |
| Mar 18, 2019 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage HONOR CU |
| May 24, 2021 | Deed of Trust, Mortgage · Conventional Mortgage HONOR CU |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jul 16, 2003 |
| Deed Sale | Jul 16, 2003 |
| Prior Sale | May 22, 2002 · Amount on Record |
| Deed Book / Page | 2406 / 1870 |
| Prior Transfer Date | Jun 25, 2003 |
| Prior Transfer Doc | 2406001870 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERRIEN MI |
| Property Address | 414 WAYNE ST, SAINT JOSEPH, MI 49085-1254 |
| Transaction Type | Mortgage |
| Record Updated | Nov 9, 2023 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|
| Document Number | 03226/0085 |
|---|---|
| Date | Dec 27, 2018 |
| Book Page | 3226/0085 |
| Name | CMG MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | 09483 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Jan 1, 2039 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERRIEN MI |
| Property Address | 414 WAYNE ST, SAINT JOSEPH, MI 49085-1254 |
| Transaction Type | Mortgage |
| Record Updated | Nov 9, 2023 |
| Name | Verified Name |
|---|
| Document Number | 03232/1166 |
|---|---|
| Date | Mar 18, 2019 |
| Book Page | 3232/1166 |
| Name | HONOR CU |
|---|---|
| Type | Credit Union |
| Address | BERRIEN SPRINGS, MI 49103 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Mar 8, 2034 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERRIEN MI |
| Property Address | 414 WAYNE ST, SAINT JOSEPH, MI 49085-1254 |
| Transaction Type | Mortgage |
| Record Updated | Nov 9, 2023 |
| Name | Verified Name |
|---|
| Document Number | 03328/2205 |
|---|---|
| Date | May 24, 2021 |
| Book Page | 3328/2205 |
| Name | HONOR CU |
|---|---|
| Type | Credit Union |
| Address | BERRIEN SPRINGS, MI 49103 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Jun 1, 2036 |
Source: Berrien County assessment roll, as of June 5, 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 | $128,800 (+17.73%) | $257,600 (+17.73%) | |
| 2025 | $2,770.00 (+11.96%) | ||
| 2023 | $109,400 | $218,800 | |
| 2022 | $2,474.00 |
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 · 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 | 2 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
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 USA Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless · DSL · Fiber in parts of the area | 100 / 20 |
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