Berrien County property record for 426 Ridgeway St, Saint Joseph, MI 49085
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,528 sqft · built 1920 |
| Lot Size | 0.517 acres (22,521 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $11,221 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 76-1900-0071-00-6 |
| Primary APN | 76-1900-0071-00-6 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 2 Half Baths |
| Stories | 2 Stories |
| Building Area | 2,528 sqft Living Area |
| 1st Floor Area | 1,464 sqft |
| Basement Area | 1,464 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Lot Area | 22,521 sqft (0.517 acres) |
| Lot Dimensions | 500 ft deep x 45 ft wide |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 426 RIDGEWAY ST |
|---|---|
| City | SAINT JOSEPH |
| State | MI |
| Zip | 49085-1053 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 - A |
| Legal Description | THE NELY 45'OF LOT 71 EDGEWATER ADD TO CITY OF ST JOSEPH WHOSE SWLY BOUND IS PAR TO NELY BOUND OF SD LOT 71 ALSO THAT PT OF SEC 14 T4S R19W LYING BET NLY & SLY BOUNDS OF SD PARCEL PRODUCED WLY TO LK MICH BEING OWNED & OCCUPIED AS ONE PARCEL |
| Legal Range | 19W |
| Legal Township | 04S |
| Legal Section | 14 |
| Legal Subdivision | EDGEWATER |
| Legal Lot Number | 71 |
| Legal Unit | 71,71 |
| Jurisdiction | BERRIEN MI |
| Township / Civil Division | ST. JOSEPH |
| Census Block Group | 1 |
| Census Block | 1014 |
| Census Tract | 801 |
426 Ridgeway St is owned and occupied by an individual who acquired it in December 2015.
Source: Berrien County records, as of September 28, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 426 RIDGEWAY ST, SAINT JOSEPH, MI 49085-1053 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Dec 2, 2015 |
| Transfer Doc | 03124/2198 |
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 426 Ridgeway St was $11,221 with a homeowner's exemption, up 2.4% from the year before.
Source: Berrien County assessment roll, as of September 28, 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 | $514,800 (-15.29%) | $1,029,600 (-15.29%) | |
| 2025 | $11,221.00 (+2.45%) Homeowner's exemption | $607,700 | $1,215,400 |
| 2024 | $10,953.00 | ||
| 2023 | $513,000 | $1,026,000 | |
| 2022 | $10,024.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 426 Ridgeway St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone VE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 11 policies |
| Nearby Flood Policies | 11 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 risk around 426 Ridgeway St is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 93% of the US · lower than 83% 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 | BENTON HARBOR serves 9,103 people · EPA ID MI0000600 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jan 2025 |
| Lead | Under 1 ppb (2025) action level 15 ppb |
| Water Quality | Treatment failure resolved · Sep 2021 Failure to filter resolved · May 2021 |
|---|---|
| Treatment and Procedure | Organic carbon removal Apr 2026 Treatment change without state approval Sep 2021 Lead public education Aug 2021 |
| 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 109 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless · DSL | 100 / 20 |
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