433 Western Ave, Benton Harbor, MI 49022 Property Records

Berrien County property record for 433 Western Ave, Benton Harbor, MI 49022

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,715 sqft · built 1956
Lot Size	0.266 acres (11,587 sqft)
Owner	Individual Name on File
Last Sale	$143,000 (Jul 2006)
Tax Bill	$2,424 (2025)
Deeds & Mortgages	Nov 2019 Mortgage Jul 2024 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`18-7450-0001-00-2`

Property Details

APN / Parcel Number

Primary APN	`18-7450-0001-00-2`
Alternative APN	`11-18-7450-0001-00-2`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,715 sqft Living Area
1st Floor Area	1,715 sqft
Basement Area	1,715 sqft
Unfinished Basement	1,715 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1956
Architectural Style	Raised Ranch
Lot Area	11,587 sqft (0.266 acres)
Lot Dimensions	133 ft deep x 86 ft wide
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	433 WESTERN AVE
City	BENTON HARBOR
State	MI
Zip	49022-5648
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2 - SINGL
Legal Description	ENTIRE LOT 1 & THE E 21.66' OF LOT 2 THOMPSON'S ADDITION TO INDIAN HILLS
Legal Subdivision	INDIAN HILLS
Legal Lot Number	1-2
Legal Unit	1,2
Jurisdiction	BERRIEN MI
Township / Civil Division	ST. JOSEPH
Census Block Group	1
Census Block	1016
Census Tract	700

Owner

433 Western Ave is owned and occupied by an individual who bought it in July 2006.

Source: Berrien County records, as of September 28, 2026

Owner of Record	Individual Name on File
Mailing Address	433 WESTERN AVE, BENTON HARBOR, MI 49022-5648
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.

Deeds, Mortgages & Sale History

Date	Document
Nov 15, 2019	Deed of Trust, Mortgage · FHA Mortgage CHEMICAL BANK
Jul 16, 2024	Deed of Trust, Mortgage · FHA Mortgage ROYAL UNITED MORTGAGE LLC
Aug 18, 2025	Deed of Trust, Mortgage · FHA Mortgage NEWREZ LLC
Jul 17, 2006	Warranty Deed, Transfer · ARM LONG BEACH MORTGAGE CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 17, 2006 · Amount on File
Deed Sale	Jul 17, 2006 · Amount on File
Prior Sale	Oct 25, 1989 · Amount on File
Deed Book / Page	2725 / 1430
Record Updated	Oct 29, 2026

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	433 WESTERN AVE, BENTON HARBOR, MI 49022-5648
Transaction Type	Mortgage
Record Updated	Jun 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	03256/1474
Date	Nov 15, 2019
Book Page	3256/1474

Lender

Name	CHEMICAL BANK
Type	Bank
Address	SIOUX FALLS, SD 57106

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2049

July 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	433 WESTERN AVE, BENTON HARBOR, MI 49022-5648
Transaction Type	Mortgage
Record Updated	Jun 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	433 WESTERN AVE, BENTON HARBOR, MI 49022-5648

Mortgage

Document Number	03429/4296
Date	Jul 16, 2024
Book Page	3429/4296
Instrument	2024409776

Lender

Name	ROYAL UNITED MORTGAGE LLC
Type	Mortgage Company
Address	INDIANAPOLIS, IN 46250

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	301 Months
Due	Aug 1, 2049

August 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	433 WESTERN AVE, BENTON HARBOR, MI 49022-5648
Transaction Type	Mortgage
Record Updated	Jun 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	433 WESTERN AVE, BENTON HARBOR, MI 49022-5648

Mortgage

Document Number	03457/3625
Date	Aug 18, 2025
Book Page	3457/3625
Instrument	2025439742

Lender

Name	NEWREZ LLC
Type	Mortgage Company
Address	FORT WASHINGTON, PA 19034

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2055

July 2006: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BERRIEN MI
Recording Date	Jul 17, 2006
Property Address	433 WESTERN AVE, BENTON HARBOR, MI 49022-5648
Document Number	02725/1430
Book / Page	2725 / 1430
Map Reference	MB12 PG13
Instrument Date	Jun 20, 2006
Transaction Type	Transfer
Record Updated	Jun 8, 2026
Title Company	CHICAGO TITLE OF MICHIGAN

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,229.80
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	433 WESTERN AVE, BENTON HARBOR, MI 49022-5648

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	970 COLONIAL DR, BENTON HARBOR, MI 49022-2518

Mortgage

Document Number	0027251431
Date	Jul 17, 2006
Instrument	2725/1431

Lender

Name	LONG BEACH MORTGAGE CO
Type	Subprime Lender

Agreement

Type	ARM
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2036

Interest

Rate Type	Adjustable Rate
Rate	7%
Change Frequency	Monthly
Index	LIBOR

Mortgage

Document Number	02725/1451
Date	Jul 17, 2006
Book Page	2725/1451

Lender

Name	LONG BEACH MORTGAGE CO
Type	Subprime Lender
Address	1400 S DOUGLASS RD STE 100, ANAHEIM, CA 92806

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2036

Tax Assessment & Valuation

The 2025 property tax bill for 433 Western Ave was $2,424 with a homeowner's exemption.

Source: Berrien County assessment roll, as of September 28, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$135,100	$270,200
2025	$2,424.00
2023		$77,000	$154,000
2022	$2,129.00

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

Flood

FEMA maps place 433 Western Ave in Zone X, an area of minimal flood risk.

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	9 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

Wildfire risk around 433 Western Ave 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 95% of the US · lower than 89% of Michigan
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 377 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Mercury Fiber.

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