Berrien County property record for 445 Symphony Cir, Saint Joseph, MI 49085
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 1,661 sqft · built 2000 |
| Lot Size | 0.301 acres (13,112 sqft) |
| Owner | Company Name on File |
| Last Sale | $262,500 (Oct 2018) |
| Tax Bill | $5,168 (2025) |
| Deeds & Mortgages | Jun 2020 Mortgage Jul 2020 Transfer + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 18-5802-0047-00-7 |
| Primary APN | 18-5802-0047-00-7 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Building Area | 1,661 sqft Living Area |
| 1st Floor Area | 1,638 sqft |
| Basement Area | 1,638 sqft |
| Unfinished Basement | 1,638 sqft |
| Year Built | Built 2000 |
|---|---|
| Effective Year Built | Effective 2000 |
| Architectural Style | Raised Ranch |
| Lot Area | 13,112 sqft (0.301 acres) |
| Lot Width | 97 ft Width |
| Garage Area | 534 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 445 SYMPHONY CIR |
|---|---|
| City | SAINT JOSEPH |
| State | MI |
| Zip | 49085-9135 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R4 - TWO F |
| Legal Description | LOT 47 PARK PLACE NO 3 |
| Legal Subdivision | PARK PLACE # 3 |
| Legal Lot Number | 47 |
| Legal Unit | 47 |
| Jurisdiction | BERRIEN MI |
| Township / Civil Division | ST. JOSEPH |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 1100 |
445 Symphony Cir is owned by a company that acquired it in July 2020 and is owner-occupied.
Source: Berrien County records, as of September 28, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 445 SYMPHONY CIR, SAINT JOSEPH, MI 49085-9135 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Life Estate |
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 |
|---|---|
| Jun 29, 2020 | Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA |
| Jul 6, 2020 | Intrafamily Transfer, Transfer |
| May 4, 2020 | Intrafamily Transfer, Transfer |
| Oct 7, 2019 | Intrafamily Transfer, Transfer |
| Oct 29, 2018 | Warranty Deed, Transfer · Conventional Mortgage BANK OF AMERICA NA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 29, 2018 · Amount on File |
| Deed Sale | Oct 29, 2018 · Amount on File |
| Prior Sale | Sep 19, 2008 · Amount on File |
| Deed Book / Page | 3221 / 95 |
| Last Transfer Date | Jul 2, 2020 |
| Transfer Doc | 003281/963 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERRIEN MI |
| Property Address | 445 SYMPHONY CIR, SAINT JOSEPH, MI 49085-9135 |
| Transaction Type | Mortgage |
| Record Updated | Nov 9, 2023 |
| Name | Verified Name |
|---|
| Document Number | 03280/1220 |
|---|---|
| Date | Jun 29, 2020 |
| Book Page | 3280/1220 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Jul 1, 2040 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | BERRIEN MI |
| Recording Date | Jul 6, 2020 |
| Property Address | 445 SYMPHONY CIR, SAINT JOSEPH, MI 49085-9135 |
| Document Number | 003281/963 |
| Book / Page | 3281 / 963 |
| Map Reference | LB 24 PG 38 |
| Instrument Date | Jul 2, 2020 |
| Transaction Type | Transfer |
| Record Updated | Nov 9, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Living Trust |
| Address | 445 SYMPHONY CIR, SAINT JOSEPH, MI 49085-9135 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | BERRIEN MI |
| Recording Date | May 4, 2020 |
| Property Address | 445 SYMPHONY CIR, SAINT JOSEPH, MI 49085-9135 |
| Document Number | 003274/572 |
| Book / Page | 3274 / 572 |
| Map Reference | LB 24 PG 38 |
| Instrument Date | Apr 29, 2020 |
| Transaction Type | Transfer |
| Record Updated | Nov 9, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 445 SYMPHONY CIR, SAINT JOSEPH, MI 49085-9135 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | BERRIEN MI |
| Recording Date | Oct 7, 2019 |
| Property Address | 445 SYMPHONY CIR, SAINT JOSEPH, MI 49085-9135 |
| Document Number | 03252/0577 |
| Book / Page | 3252 / 0577 |
| Map Reference | LB 24 PG 38 |
| Instrument Date | Oct 3, 2019 |
| Transaction Type | Transfer |
| Record Updated | Nov 9, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 445 SYMPHONY CIR, SAINT JOSEPH, MI 49085-9135 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BERRIEN MI |
| Recording Date | Oct 29, 2018 |
| Property Address | 445 SYMPHONY CIR, SAINT JOSEPH, MI 49085-9135 |
| Document Number | 03221/0095 |
| Book / Page | 3221 / 0095 |
| Map Reference | LB24 PG38 |
| Instrument Date | Oct 26, 2018 |
| Transaction Type | Transfer |
| Record Updated | Nov 9, 2023 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,257.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 445 SYMPHONY CIR, SAINT JOSEPH, MI 49085-9135 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 445 SYMPHONY CIR, SAINT JOSEPH, MI 49085-9135 |
| Document Number | 0000322197 |
|---|---|
| Date | Oct 29, 2018 |
| Instrument | 3221/97 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2048 |
The 2025 property tax bill for 445 Symphony Cir was $5,168 with a homeowner's exemption, up 3.2% 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 | $222,200 (+2.73%) | $444,400 (+2.73%) | |
| 2025 | $5,168.00 (+3.22%) Homeowner's exemption | $216,300 | $432,600 |
| 2024 | $5,007.00 | ||
| 2023 | $148,900 | $297,800 | |
| 2022 | $4,549.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 445 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 445 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 99.1% of the US · lower than 98.4% 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 | 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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