4245 Echo Rd, Benton Harbor, MI 49022 Property Records

Berrien County property record for 4245 Echo Rd, Benton Harbor, MI 49022 · Last verified July 2026

Property Summary

Property Type	Manufactured or Modular Home
Details	4 bd · 2 ba · 2,128 sqft · built 1998
Lot Size	0.501 acres (21,824 sqft)
Owner	Individual Name on File
Last Sale	$3,500 (Feb 1998)
Tax Bill	$2,460 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Feb 2024 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03-2490-0003-00-1`

Property Details

APN / Parcel Number

Primary APN	`03-2490-0003-00-1`
Alternative APN	`11-03-2490-0003-00-1`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Building Area	2,128 sqft Living Area
1st Floor Area	2,128 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	Modular
Lot Area	21,824 sqft (0.501 acres)
Lot Dimensions	151 ft deep x 144 ft wide
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	4245 ECHO RD
City	BENTON HARBOR
State	MI
Zip	49022-8401
Property Category	Residential
Property Type	Residential > Prefabricated > Manufactured or Modular Home
Legal Description	LOT 3 FOREST POINT SUB
Legal Subdivision	FOREST POINT SUB
Legal Lot Number	3
Legal Unit	3
Jurisdiction	BERRIEN MI
Township / Civil Division	BENTON
Census Block Group	1
Census Block	1024
Census Tract	2400

Owner

Source: Berrien County records · APN 03-2490-0003-00-1

Assessment roll updated June 5, 2026 · Last verified July 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	4245 ECHO RD, BENTON HARBOR, MI 49022-8401
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 21, 2026	Warranty Deed, Transfer · FHA Mortgage EVERETT FINANCIAL INC
Feb 15, 2024	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC
Dec 10, 2021	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Feb 11, 1998 · Amount on Record
Deed Sale	Feb 11, 1998 · Amount on Record
Prior Sale	Dec 23, 1997 · Amount on Record
Deed Book / Page	1867 / 910
Last Transfer Date	Dec 04, 2021
Transfer Doc	03356/1199
Record Updated	Sep 20, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BERRIEN MI
Recording Date	Jul 21, 2026
Property Address	4245 ECHO RD, BENTON HARBOR, MI 49022-8401
Document Number	0000466210
Book / Page	3482 / 4203
Instrument Date	Jun 30, 2026
Instrument	2026466210
Transaction Type	Transfer
Record Updated	Aug 05, 2026
Title Company	CHICAGO TITLE W, CHICAGO TITLE OF MICHIGAN

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$162,862.50
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	4245 ECHO RD, BENTON HARBOR, MI 49022-8401

Mortgage

Document Number	0000466211,
Date	Jul 21, 2026
Instrument	2026466211

Lender

Name	EVERETT FINANCIAL INC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 01, 2056

Interest

Rate	6.48%
Max Rate	-1%

Mortgage

Document Number	0000466212,
Date	Jul 21, 2026
Book Page	3482/4225
Instrument	2026466212

Lender

Name	EVERETT FINANCIAL INC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	10 Months
Due	Jul 01, 2036

Interest

Rate	6.48%
Max Rate	-1%

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	4245 ECHO RD, BENTON HARBOR, MI 49022-8401
Transaction Type	Mortgage
Record Updated	Mar 06, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4245 ECHO RD, BENTON HARBOR, MI 49022-8401

Mortgage

Document Number	03420/3015
Date	Feb 15, 2024
Book Page	3420/3015
Instrument	2024398127

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Mar 01, 2044

December 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BERRIEN MI
Recording Date	Dec 10, 2021
Property Address	4245 ECHO RD, BENTON HARBOR, MI 49022-8401
Document Number	03356/1199
Book / Page	3356 / 1199
Instrument Date	Dec 04, 2021
Instrument	3356-1199
Transaction Type	Transfer
Record Updated	Nov 09, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4245 ECHO RD, BENTON HARBOR, MI 49022-8401

Tax Assessment & Valuation

Source: Berrien County records · Assessment roll updated June 5, 2026 · Last verified July 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Berrien County
County Subdivision	Benton Charter Township
Unified School District	Benton Harbor Area Schools (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$119,700 (+14.22%)	$239,400 (+14.22%)
2025	$2,460.00 (+3.1%) Homeowner's exemption	$104,800 (+13.17%)	$209,600 (+13.17%)
2024	$2,386.00 (+10.26%)
2023		$92,600	$185,200
2022	$2,164.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Berrien County (26021C), updated September 10, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 260210024001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearby Flood Claims	1 (1983)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Apr 1983, rainfall accumulation

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 27 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Xfinity	Cable	1,200 / 35
T-Mobile USA	Fixed Wireless	100 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: Verizon, Mercury Broadband, Midwest Energy Cooperative. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G (outdoors only) and 4G LTE

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