Berrien County property record for 440 E Napier Ave, Benton Harbor, MI 49022
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 1,002 sqft · built 1939 |
| Lot Size | 1.93 acres (84,071 sqft) |
| Owner | Company Name on Record |
| Last Sale | $40,000 (Sep 1987) |
| Tax Bill | $2,257 (2025) |
| Deeds & Mortgages | Sep 2020 Line of Credit May 2021 Transfer + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-0031-0031-03-7 |
| Primary APN | 03-0031-0031-03-7 |
|---|---|
| Alternative APN |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 2 Stories |
| Building Area | 1,002 sqft Living Area |
| 1st Floor Area | 802 sqft |
| Basement Area | 802 sqft |
| Unfinished Basement | 802 sqft |
| Year Built | Built 1939 |
|---|---|
| Effective Year Built | Effective 1939 |
| Lot Area | 84,071 sqft (1.93 acres) |
| Lot Depth | 252 ft Depth |
| Garage Area | 625 sqft |
| Parking Spaces | 2 Parking Spaces |
| Total Buildings | 2 Buildings |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 440 E NAPIER AVE |
|---|---|
| City | BENTON HARBOR |
| State | MI |
| Zip | 49022-7338 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A2 SING FA |
| Legal Description | COM 327.7'W OF N1/4 PST OF FRL SEC 31 T4S R18W TH S 252'TH W 326.49'TO E LINE OF SMYERS SUB TH N TO N LINE OF SEC 31 TH E TO BEG |
| Legal Range | 18W |
| Legal Township | 04S |
| Legal Section | 31 |
| Legal Subdivision | E LINE OF SMYERS SUB |
| Jurisdiction | BERRIEN MI |
| Township / Civil Division | BENTON |
| Census Block Group | 3 |
| Census Block | 3005 |
| Census Tract | 2000 |
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 | Company Name on Record |
|---|---|
| Mailing Address | 440 E NAPIER AVE, BENTON HARBOR, MI 49022-7338 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Life Estate |
| Date | Document |
|---|---|
| Sep 14, 2020 | Deed of Trust, Mortgage · Line of Credit UNITED FCU |
| May 11, 2021 | Intrafamily Transfer, Transfer |
| Jan 10, 2018 | Intrafamily Transfer, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 14, 1987 · Amount on Record |
| Deed Sale | Sep 14, 1987 · Amount on Record |
| Prior Sale | Jul 17, 1985 · Amount on Record |
| Deed Book / Page | 1349 / 1429 |
| Last Transfer Date | Oct 18, 2017 |
| Transfer Doc | 03194/2423 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERRIEN MI |
| Property Address | 440 E NAPIER AVE, BENTON HARBOR, MI 49022-7338 |
| Transaction Type | Mortgage |
| Record Updated | Nov 9, 2023 |
| Name | Verified Name |
|---|
| Document Number | 03290/2053 |
|---|---|
| Date | Sep 14, 2020 |
| Book Page | 3290/2053 |
| Name | UNITED FCU |
|---|---|
| Type | Credit Union |
| Address | SAINT JOSEPH, MI 49085 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Sep 25, 2030 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | BERRIEN MI |
| Recording Date | May 11, 2021 |
| Property Address | 440 E NAPIER AVE, BENTON HARBOR, MI 49022-7338 |
| Document Number | 03326/3446 |
| Book / Page | 3326 / 3446 |
| Map Reference | LB 20 PG 35 |
| Instrument Date | Dec 29, 2020 |
| Transaction Type | Transfer |
| Record Updated | Nov 9, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 440 E NAPIER AVE, BENTON HARBOR, MI 49022-7338 |
| Name | Verified Name |
|---|---|
| Address | 440 E NAPIER AVE, BENTON HARBOR, MI 49022-7338 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | BERRIEN MI |
| Recording Date | Jan 10, 2018 |
| Property Address | 440 E NAPIER AVE, BENTON HARBOR, MI 49022-7338 |
| Document Number | 03194/2423 |
| Book / Page | 3194 / 2423 |
| Instrument Date | Oct 18, 2017 |
| Instrument | 3194-2423 |
| Transaction Type | Transfer |
| Record Updated | Nov 9, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 440 E NAPIER AVE, AUGUSTA, MI 49012 |
Source: Berrien County assessment roll, as of September 28, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Berrien County |
| County Subdivision | Benton Charter Township |
| Unified School District | Benton Harbor Area Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $90,300 (+9.59%) | $180,600 (+9.59%) | |
| 2025 | $2,257.00 (+23.27%) Homeowner's exemption | $82,400 (+25.8%) | $164,800 (+25.8%) |
| 2024 | $1,831.00 (+9.77%) | ||
| 2023 | $65,500 | $131,000 | |
| 2022 | $1,668.00 |
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
| 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 98% of the US · lower than 95% 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.
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 423 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 |
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