Berrien County property record for 428 Ridgeway St, Saint Joseph, MI 49085
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 5.5 ba · 4,628 sqft · built 2016 |
| Lot Size | 2.74 acres (119,354 sqft) |
| Owner | Company Name on Record |
| Tax Bill | $81,813 (2025) |
| Deeds & Mortgages | Feb 2017 Mortgage Feb 2022 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 76-1900-0070-06-0 |
| Primary APN | 76-1900-0070-06-0 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 5.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 4,628 sqft Living Area |
| 1st Floor Area | 3,147 sqft |
| Basement Area | 3,147 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2016 |
|---|---|
| Effective Year Built | Effective 2016 |
| Lot Area | 119,354 sqft (2.74 acres) |
| Lot Dimensions | 770 ft deep x 155 ft wide |
| Garage Area | 1,005 sqft |
| Parking Spaces | 4 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 428 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 | SPLIT/COMBINED ON 02/04/2014 FROM 76-1900-0068-01-3, 76-1900-0069-01-0, 76-1900-0069-02-8, 76-1900-0070-05-0; PART OF LOTS 69 & 70 EDGEWATER ADD TO THE CITY OF ST JOSEPH DESC AS BEG AT SW COR SD LOT 70 TH N52DEG23'36W 632.37' TO MEANDER LN TH N37DEGE |
| Legal Subdivision | EDGEWATER |
| Legal Lot Number | 69-70 |
| Legal Unit | 6,70 |
| Jurisdiction | BERRIEN MI |
| Township / Civil Division | ST. JOSEPH |
| Census Block Group | 1 |
| Census Block | 1014 |
| Census Tract | 801 |
Source: Berrien County records, as of September 28, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Company Name on Record |
|---|---|
| Mailing Address | 428 RIDGEWAY ST, SAINT JOSEPH, MI 49085-1053 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
| Date | Document |
|---|---|
| Feb 2, 2017 | Deed of Trust, Mortgage · Conventional Mortgage MORGAN STANLEY PRIVATE BANK NA |
| Feb 16, 2022 | Intrafamily Transfer, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 12, 2012 |
| Deed Sale | Jul 12, 2012 |
| Deed Book / Page | 3000 / 1404 |
| Last Transfer Date | Jan 31, 2022 |
| Transfer Doc | 003364/135 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERRIEN MI |
| Property Address | 428 RIDGEWAY ST, SAINT JOSEPH, MI 49085-1053 |
| Transaction Type | Mortgage |
| Record Updated | Nov 9, 2023 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 03162/1084 |
|---|---|
| Date | Feb 2, 2017 |
| Book Page | 3162/1084 |
| Name | MORGAN STANLEY PRIVATE BANK NA |
|---|---|
| Type | Bank |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 1, 2047 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | BERRIEN MI |
| Recording Date | Feb 16, 2022 |
| Property Address | 428 RIDGEWAY ST, SAINT JOSEPH, MI 49085-1053 |
| Document Number | 003364/135 |
| Book / Page | 3364 / 135 |
| Instrument Date | Jan 31, 2022 |
| Instrument | 2022343437 |
| Transaction Type | Transfer |
| Record Updated | Nov 9, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Family Trust |
| Address | 428 RIDGEWAY ST, SAINT JOSEPH, MI 49085-1053 |
| Investor | Possibly a Property Investor |
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 | $2,006,900 (-17.73%) | $4,013,800 (-17.73%) | |
| 2025 | $81,813.00 (+2.45%) Homeowner's exemption | $2,439,400 (+15.08%) | $4,878,800 (+15.08%) |
| 2024 | $79,859.00 (+9.26%) | ||
| 2023 | $2,119,800 | $4,239,600 | |
| 2022 | $73,089.00 |
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone VE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record 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.
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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