Berrien County property record for 446 Packard St, Benton Harbor, MI 49022
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 912 sqft · built 1962 |
| Lot Size | 0.143 acres (6,229 sqft) |
| Owner | Company Name on Record |
| Last Sale | $16,000 (Sep 2021) |
| Tax Bill | $750 (2025) |
| Deeds & Mortgages | Jun 2023 Mortgage Sep 2021 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 54-5070-0028-00-2 |
| Primary APN | 54-5070-0028-00-2 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Building Area | 912 sqft Living Area |
| 1st Floor Area | 912 sqft |
| Basement Area | 624 sqft |
| Unfinished Basement | 624 sqft |
| Year Built | Built 1962 |
|---|---|
| Effective Year Built | Effective 1962 |
| Lot Area | 6,229 sqft (0.143 acres) |
| Lot Dimensions | 125 ft deep x 50 ft wide |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 446 PACKARD ST |
|---|---|
| City | BENTON HARBOR |
| State | MI |
| Zip | 49022-4242 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | DISTRICT A |
| Legal Description | LOT 28 MC DONALD & PACKARDS ADD TO CITY OF BENTON HARBOR |
| Legal Subdivision | MC DONALD & PACKARDS ADD |
| Legal Lot Number | 28 |
| Legal Unit | 28 |
| Jurisdiction | BERRIEN MI |
| Township / Civil Division | BENTON HARBOR |
| Census Block Group | 1 |
| Census Block | 1014 |
| Census Tract | 300 |
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 | 6816 AMBERLY ST, PORTAGE, MI 49024-3109 |
| Owner Type | Company |
| Vesting | Company |
| Date | Document |
|---|---|
| Jun 1, 2023 | Deed of Trust, Mortgage · Commercial Mortgage VELOCITY COMMERCIAL CAPITAL LLC |
| Sep 20, 2021 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 20, 2021 · Amount on Record |
| Deed Sale | Sep 20, 2021 · Amount on Record |
| Prior Sale | Jul 22, 2002 |
| Deed Book / Page | 3345 / 287 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERRIEN MI |
| Property Address | 446 PACKARD ST, BENTON HARBOR, MI 49022-4242 |
| Transaction Type | Mortgage |
| Record Updated | Nov 9, 2023 |
| Name | Verified Name |
|---|
| Document Number | 003405/391 |
|---|---|
| Date | Jun 1, 2023 |
| Book Page | 3405/391 |
| Instrument | 2023381728 |
| Name | VELOCITY COMMERCIAL CAPITAL LLC |
|---|---|
| Type | Mortgage Company |
| Address | THOUSAND OAKS, CA 91362 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | BERRIEN MI |
| Recording Date | Sep 20, 2021 |
| Property Address | 446 PACKARD ST, BENTON HARBOR, MI 49022-4242 |
| Document Number | 003345/287 |
| Book / Page | 3345 / 287 |
| Map Reference | VL 2 PG 15 |
| Instrument Date | Sep 20, 2021 |
| Transaction Type | Transfer |
| Record Updated | Nov 9, 2023 |
| Amount | Amount Recorded |
|---|---|
| Tax | $137.60 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 517 O BRIEN DR, BENTON HARBOR, MI 49022-9756 |
| Name | Verified Name |
|---|---|
| Address | 6816 AMBERLY ST, PORTAGE, MI 49024-3109 |
Source: Berrien County assessment roll, as of September 28, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Berrien County |
| Municipality | Benton Harbor City |
| Unified School District | Benton Harbor Area Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $24,000 (+3%) | $48,000 (+3%) | |
| 2025 | $750.00 (+3.88%) | $23,300 (+64.08%) | $46,600 (+64.08%) |
| 2024 | $722.00 (-54.62%) | ||
| 2023 | $14,200 | $28,400 | |
| 2022 | $1,591.00 |
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| 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 94% of the US · lower than 85% 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 241 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 |
| AT&T Fixed Wireless · Fiber in parts of the area | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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