Berrien County property record for 445 3rd St, Benton Harbor, MI 49022
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,615 sqft · built 1950 |
| Lot Size | 0.4 acres (17,424 sqft) |
| Owner | Individual Name on File |
| Last Sale | $169,900 (Jan 2024) |
| Tax Bill | $3,402 (2025) |
| Deeds & Mortgages | Jan 2024 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-5020-0078-01-0 |
| Primary APN | 03-5020-0078-01-0 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 1,615 sqft Living Area |
| 1st Floor Area | 1,183 sqft |
| Year Built | Built 1950 |
|---|---|
| Effective Year Built | Effective 1950 |
| Architectural Style | Raised Ranch |
| Lot Area | 17,424 sqft (0.4 acres) |
| Lot Dimensions | 132 ft deep x 132 ft wide |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 445 3RD ST |
|---|---|
| City | BENTON HARBOR |
| State | MI |
| Zip | 49022-9222 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | D1 COMM |
| Legal Description | SPLIT ON 01/20/2013 FROM 03-5020-0065-01-4; LOTS 78 & 79 TOWN OF MILLBURG |
| Legal Subdivision | MILLBURG |
| Legal Lot Number | 78-79 |
| Jurisdiction | BERRIEN MI |
| Township / Civil Division | BENTON |
| Census Block Group | 1 |
| Census Block | 1049 |
| Census Tract | 2400 |
445 3rd St is owned and occupied by an individual who bought it in January 2024.
Source: Berrien County records, as of September 28, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 445 3RD ST, BENTON HARBOR, MI 49022-9222 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 24, 2024 · Amount on File |
| Deed Sale | Jan 24, 2024 · Amount on File |
| Prior Sale | Jan 10, 2013 · Amount on File |
| Deed Document Number | 2024396840 |
| Deed Book / Page | 3419 / 2578 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BERRIEN MI |
| Recording Date | Jan 24, 2024 |
| Property Address | 445 3RD ST, BENTON HARBOR, MI 49022-9222 |
| Document Number | 03419/2578 |
| Book / Page | 3419 / 2578 |
| Map Reference | LB C PG 128 |
| Instrument Date | Jan 19, 2024 |
| Instrument | 2024396840 |
| Transaction Type | Transfer |
| Record Updated | Feb 7, 2024 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,275.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 445 3RD ST, BENTON HARBOR, MI 49022-9222 |
| Document Number | 2024396841 |
|---|---|
| Date | Jan 24, 2024 |
| Instrument | 2024396841 |
| Name | NEWREZ LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2054 |
The 2025 property tax bill for 445 3rd St was $3,402.
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 | $88,500 | $177,000 | |
| 2025 | $3,402.00 | ||
| 2023 | $40,500 | $81,000 | |
| 2022 | $1,087.00 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 445 3rd St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Claims | 1 (1983) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Apr 1983 · rainfall accumulation |
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 risk around 445 3rd St 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 | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 69 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable · Fiber in parts of the area | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| Supernet Cable | 100 / 25 |
May also be available: AT&T, Mercury Fiber, Midwest Energy & Communications.
5G (outdoors only) and 4G LTE
Search by:
By searching, you agree to: Terms • Privacy • Disclosures