Berrien County property record for 446 Elmside Rd, Benton Harbor, MI 49022
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,551 sqft · built 1969 |
| Lot Size | 0.284 acres (12,371 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $120,000 (Jun 1999) |
| Tax Bill | $4,074 (2025) |
| Deeds & Mortgages | Dec 2025 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-5350-0006-00-1 |
| Primary APN | 03-5350-0006-00-1 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,551 sqft Living Area |
| 1st Floor Area | 1,551 sqft |
| Basement Area | 1,551 sqft |
| Unfinished Basement | 1,551 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1969 |
|---|---|
| Effective Year Built | Effective 1969 |
| Architectural Style | Raised Ranch |
| Lot Area | 12,371 sqft (0.284 acres) |
| Lot Dimensions | 130 ft deep x 95 ft wide |
| Garage Area | 624 sqft |
| Parking Spaces | 2 Parking Spaces |
| Heating System | Hot Water |
|---|
| Street Address | 446 ELMSIDE RD |
|---|---|
| City | BENTON HARBOR |
| State | MI |
| Zip | 49022-6554 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A2 SING FA |
| Legal Description | LOT 6 NEWMAN TERRACE |
| Legal Subdivision | NEWMAN TERRACE |
| Legal Lot Number | 6 |
| Legal Unit | 6 |
| Jurisdiction | BERRIEN MI |
| Township / Civil Division | BENTON |
| Census Block Group | 3 |
| Census Block | 3011 |
| 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 | Individual Name on Record |
|---|---|
| Mailing Address | 446 ELMSIDE RD, BENTON HARBOR, MI 49022-6554 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 30, 1999 · Amount on Record |
| Deed Sale | Jun 30, 1999 · Amount on Record |
| Prior Sale | Nov 27, 1996 · Amount on Record |
| Deed Book / Page | 1985 / 505 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERRIEN MI |
| Property Address | 446 ELMSIDE RD, BENTON HARBOR, MI 49022-6554 |
| Transaction Type | Mortgage |
| Record Updated | Feb 17, 2026 |
| Title Company | UNKNOWN, AVEN FINANCIAL INC |
| Name | Verified Name |
|---|---|
| Address | 446 ELMSIDE RD, BENTON HARBOR, MI 49022-6554 |
| Document Number | 03467/1878 |
|---|---|
| Date | Dec 29, 2025 |
| Book Page | 3467/1878 |
| Instrument | 2025448935 |
| Name | COASTAL COMMUNITY BANK |
|---|---|
| Type | Bank |
| Address | CAMPBELL, CA 95008 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
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 | $114,300 (+18.45%) | $228,600 (+18.45%) | |
| 2025 | $4,074.00 (+23.72%) | ||
| 2023 | $96,500 | $193,000 | |
| 2022 | $3,293.00 |
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 | 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 | 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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