Berrien County property record for 432 Symphony Cir, Saint Joseph, MI 49085
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,050 sqft · built 1999 |
| Lot Size | 0.241 acres (10,521 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $325,000 (May 2021) |
| Tax Bill | $4,980 (2025) |
| Deeds & Mortgages | May 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 18-5802-0031-00-3 |
| Primary APN | 18-5802-0031-00-3 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,050 sqft Living Area |
| 1st Floor Area | 1,156 sqft |
| Basement Area | 894 sqft |
| Unfinished Basement | 894 sqft |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 1999 |
| Lot Area | 10,521 sqft (0.241 acres) |
| Lot Width | 75 ft Width |
| Garage Area | 506 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 432 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 31 PARK PLACE NO 3 |
| Legal Subdivision | PARK PLACE SUB |
| Legal Lot Number | 31 |
| Legal Unit | 31 |
| Jurisdiction | BERRIEN MI |
| Township / Civil Division | ST. JOSEPH |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 1100 |
Source: Berrien County records, as of September 28, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 432 SYMPHONY CIR, SAINT JOSEPH, MI 49085-9133 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 24, 2021 · Amount on Record |
| Deed Sale | May 24, 2021 · Amount on Record |
| Prior Sale | Aug 29, 2000 · Amount on Record |
| Deed Book / Page | 3328 / 2265 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BERRIEN MI |
| Recording Date | May 24, 2021 |
| Property Address | 432 SYMPHONY CIR, SAINT JOSEPH, MI 49085-9133 |
| Document Number | 03328/2265 |
| Book / Page | 3328 / 2265 |
| Map Reference | LB 24 PG 38 |
| Instrument Date | Apr 13, 2021 |
| Transaction Type | Transfer |
| Record Updated | Nov 9, 2023 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,695.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 432 SYMPHONY CIR, SAINT JOSEPH, MI 49085-9133 |
| Investor | Possibly a Property Investor |
| Document Number | 0033282014 |
|---|---|
| Date | May 24, 2021 |
| Instrument | 3328/2014 |
| Name | HONOR CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2051 |
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 | $216,500 (+50.24%) | $433,000 (+50.24%) | |
| 2025 | $4,980.00 (+13.59%) | ||
| 2023 | $144,100 | $288,200 | |
| 2022 | $4,384.00 |
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.
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.
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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