Berrien County property record for 430 Symphony Cir, Saint Joseph, MI 49085
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,424 sqft · built 1995 |
| Lot Size | 0.216 acres (9,409 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $308,000 (Sep 2023) |
| Tax Bill | $5,838 (2025) |
| Deeds & Mortgages | Nov 2020 Mortgage Feb 2019 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 18-5802-0030-00-7 |
| Primary APN | 18-5802-0030-00-7 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 3 Stories |
| Building Area | 2,424 sqft Living Area |
| 1st Floor Area | 1,392 sqft |
| Basement Area | 1,392 sqft |
| Unfinished Basement | 1,392 sqft |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 1995 |
| Architectural Style | Tri-Level |
| Lot Area | 9,409 sqft (0.216 acres) |
| Lot Dimensions | 125 ft deep x 75 ft wide |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 430 SYMPHONY CIR |
|---|---|
| City | SAINT JOSEPH |
| State | MI |
| Zip | 49085-9133 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R4 - TWO F |
| Legal Description | LOT 30 PARK PLACE NO 3 SUR 1700/1178 |
| Legal Subdivision | PARK PLACE SUB |
| Legal Lot Number | 30 |
| Legal Unit | 30 |
| Jurisdiction | BERRIEN MI |
| Township / Civil Division | ST. JOSEPH |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 1100 |
430 Symphony Cir is owned and occupied by two individuals who bought it in September 2023.
Source: Berrien County records, as of September 28, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 430 SYMPHONY CIR, SAINT JOSEPH, MI 49085-9133 |
| 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.
| Date | Document |
|---|---|
| Nov 5, 2020 | Deed of Trust, Mortgage · Conventional Mortgage HONOR CU |
| Feb 1, 2019 | Deed of Trust, Mortgage · Conventional Mortgage FIRST GUARANTY MORTGAGE CORP |
| Sep 5, 2023 | Warranty Deed, Transfer · Conventional Mortgage THE DART BANK |
| Nov 19, 2020 | Intrafamily Transfer, Transfer MICHIGAN TRUSTED TITLE AGENCY, MICHIGAN TRUSTED TITLE AGCY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 5, 2023 · Amount on File |
| Deed Sale | Sep 5, 2023 · Amount on File |
| Prior Sale | May 24, 1999 · Amount on File |
| Deed Document Number | 2023388283 |
| Deed Book / Page | 3411 / 1519 |
| Prior Transfer Date | Oct 26, 2020 |
| Prior Transfer Doc | 03300/3354 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERRIEN MI |
| Property Address | 430 SYMPHONY CIR, SAINT JOSEPH, MI 49085-9133 |
| Transaction Type | Mortgage |
| Record Updated | Nov 9, 2023 |
| Name | Verified Name |
|---|
| Document Number | 003299/279 |
|---|---|
| Date | Nov 5, 2020 |
| Book Page | 3299/279 |
| Name | HONOR CU |
|---|---|
| Type | Credit Union |
| Address | BERRIEN SPRINGS, MI 49103 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERRIEN MI |
| Property Address | 430 SYMPHONY CIR, SAINT JOSEPH, MI 49085-9133 |
| Transaction Type | Mortgage |
| Record Updated | Nov 9, 2023 |
| Name | Verified Name |
|---|
| Document Number | 03228/0536 |
|---|---|
| Date | Feb 1, 2019 |
| Book Page | 3228/0536 |
| Name | FIRST GUARANTY MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | VIENNA, VA 22182 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 1, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BERRIEN MI |
| Recording Date | Sep 5, 2023 |
| Property Address | 430 SYMPHONY CIR, SAINT JOSEPH, MI 49085-9133 |
| Document Number | 03411/1519 |
| Book / Page | 3411 / 1519 |
| Map Reference | LB 24 PG 38 |
| Instrument Date | Sep 1, 2023 |
| Instrument | 2023388283 |
| Transaction Type | Transfer |
| Record Updated | Nov 9, 2023 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,310.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 251 MARTHA DR, BATTLE CREEK, MI 49015-3805 |
| Document Number | 2023388284 |
|---|---|
| Date | Sep 5, 2023 |
| Instrument | 2023388284 |
| Name | THE DART BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2053 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | BERRIEN MI |
| Recording Date | Nov 19, 2020 |
| Property Address | 430 SYMPHONY CIR, SAINT JOSEPH, MI 49085-9133 |
| Document Number | 03300/3354 |
| Book / Page | 3300 / 3354 |
| Map Reference | LB 24 PG 38 |
| Instrument Date | Oct 26, 2020 |
| Transaction Type | Transfer |
| Record Updated | Nov 9, 2023 |
| Title Company | MICHIGAN TRUSTED TITLE AGENCY, MICHIGAN TRUSTED TITLE AGCY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 430 SYMPHONY CIR, SAINT JOSEPH, MI 49085-9133 |
The 2025 property tax bill for 430 Symphony Cir was $5,838 with a homeowner's exemption, up 1.4% from the year before.
Source: Berrien County assessment roll, as of September 28, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Berrien County |
| County Subdivision | St. Joseph Charter Township |
| Unified School District | St. Joseph Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $187,700 (+3.82%) | $375,400 (+3.82%) | |
| 2025 | $5,838.00 (+1.42%) Homeowner's exemption | $180,800 | $361,600 |
| 2024 | $5,756.00 | ||
| 2023 | $121,800 (+6.56%) | $243,600 (+6.56%) | |
| 2022 | $3,122.00 (+3.76%) Homeowner's exemption | $114,300 | $228,600 |
| 2021 | $3,009.00 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
FEMA maps place 430 Symphony Cir in Zone X, an area of minimal flood risk.
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.
Wildfire risk around 430 Symphony Cir 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 97% of the US · lower than 93% 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 | SOUTHWEST MICHIGAN REGIONAL SANITARY SEW serves 26,780 people · EPA ID MI0003726 |
|---|---|
| Water Source | Purchased surface water from ST JOSEPH |
| Last State Inspection | Feb 2025 |
| Lead | 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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 139 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| Mercury Fiber Fixed Wireless | 150 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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