Berrien County property record for 449 E Napier Ave, Benton Harbor, MI 49022
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 1,825 sqft · built 1924 |
| Lot Size | 0.63 acres (27,443 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $180,000 (Dec 2025) |
| Tax Bill | $2,919 (2025) |
| Deeds & Mortgages | Dec 2025 Sale Sep 2025 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-0030-0088-01-4 |
| Primary APN | 03-0030-0088-01-4 |
|---|---|
| Alternative APN |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,825 sqft Living Area |
| 1st Floor Area | 1,097 sqft |
| Basement Area | 1,097 sqft |
| Unfinished Basement | 1,097 sqft |
| Year Built | Built 1924 |
|---|---|
| Effective Year Built | Effective 1924 |
| Lot Area | 27,443 sqft (0.63 acres) |
| Lot Dimensions | 249 ft deep x 123 ft wide |
| Garage Area | 574 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 449 E NAPIER AVE |
|---|---|
| City | BENTON HARBOR |
| State | MI |
| Zip | 49022-7337 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A2 SING FA |
| Legal Description | THE S 249'OF E 123'OF W 10 A OF E1/2 OF SE1/4 OF SW1/4 SEC 30 T4S R18W |
| Legal Range | 18W |
| Legal Township | 04S |
| Legal Section | 30 |
| Jurisdiction | BERRIEN MI |
| Township / Civil Division | BENTON |
| Census Block Group | 2 |
| Census Block | 2012 |
| 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 | 449 E NAPIER AVE, BENTON HARBOR, MI 49022-7337 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single Man |
| Date | Document |
|---|---|
| Dec 5, 2025 | Warranty Deed, Transfer FIRST AMERICAN TITLE |
| Sep 29, 2025 | Deed of Trust, Mortgage · Line of Credit HONOR CU |
| Aug 21, 2023 | Deed of Trust, Mortgage · Line of Credit HONOR CU |
| Apr 15, 2020 | Warranty Deed, Transfer · Conventional Mortgage HONOR CU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 5, 2025 · Amount on Record |
| Deed Sale | Dec 5, 2025 · Amount on Record |
| Prior Sale | Apr 15, 2020 · Amount on Record |
| Deed Document Number | 2025447624 |
| Deed Book / Page | 3466 / 385 |
| Prior Transfer Date | Nov 18, 2010 |
| Prior Transfer Doc | 02939/1252 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BERRIEN MI |
| Recording Date | Dec 5, 2025 |
| Property Address | 449 E NAPIER AVE, BENTON HARBOR, MI 49022-7337 |
| Document Number | 003466/385 |
| Book / Page | 3466 / 385 |
| Instrument Date | Dec 1, 2025 |
| Instrument | 2025447624 |
| Transaction Type | Transfer |
| Record Updated | Dec 31, 2025 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,350.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 449 E NAPIER AVE, BENTON HARBOR, MI 49022-7337 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERRIEN MI |
| Property Address | 449 E NAPIER AVE, BENTON HARBOR, MI 49022-7337 |
| Transaction Type | Mortgage |
| Record Updated | Oct 24, 2025 |
| Name | Verified Name |
|---|---|
| Address | 449 E NAPIER AVE, BENTON HARBOR, MI 49022-7337 |
| Document Number | 03460/4377 |
|---|---|
| Date | Sep 29, 2025 |
| Book Page | 3460/4377 |
| Instrument | 2025442804 |
| Name | HONOR CU |
|---|---|
| Type | Credit Union |
| Address | BERRIEN SPRINGS, MI 49103 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Sep 12, 2045 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERRIEN MI |
| Property Address | 449 E NAPIER AVE, BENTON HARBOR, MI 49022-7337 |
| Transaction Type | Mortgage |
| Record Updated | Nov 9, 2023 |
| Name | Verified Name |
|---|---|
| Address | 449 E NAPIER AVE, BENTON HARBOR, MI 49022-7337 |
| Document Number | 03410/1556 |
|---|---|
| Date | Aug 21, 2023 |
| Book Page | 3410/1556 |
| Instrument | 2023387228 |
| Name | HONOR CU |
|---|---|
| Type | Credit Union |
| Address | BERRIEN SPRINGS, MI 49103 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Aug 12, 2043 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BERRIEN MI |
| Recording Date | Apr 15, 2020 |
| Property Address | 449 E NAPIER AVE, BENTON HARBOR, MI 49022-7337 |
| Document Number | 03271/2483 |
| Book / Page | 3271 / 2483 |
| Instrument Date | Apr 3, 2020 |
| Transaction Type | Transfer |
| Record Updated | Nov 9, 2023 |
| Title Company | CHICAGO TITLE/MI, CHICAGO TITLE OF MI INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $131.45 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3084 NILES RD, SAINT JOSEPH, MI 49085-8608 |
| Name | Verified Name |
|---|---|
| Address | 2918 ROYALTON HEIGHTS RD, SAINT JOSEPH, MI 49085-3358 |
| Investor | Possibly a Property Investor |
| Document Number | 0032712407 |
|---|---|
| Date | Apr 15, 2020 |
| Instrument | 3271/2407 |
| Name | HONOR CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 67 Months |
| Due | Nov 1, 2025 |
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 | $100,400 (+9.85%) | $200,800 (+9.85%) | |
| 2025 | $2,919.00 (+3.95%) Homeowner's exemption | $91,400 (+11.06%) | $182,800 (+11.06%) |
| 2024 | $2,808.00 (-28.64%) | ||
| 2023 | $82,300 | $164,600 | |
| 2022 | $3,935.00 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
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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