4495 Oxbow Rd, Eau Claire, MI 49111 Property Records

Berrien County property record for 4495 Oxbow Rd, Eau Claire, MI 49111

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,229 sqft · built 1950
Lot Size	1.19 acres (51,836 sqft)
Owner	2 Individual Names on File
Last Sale	$100 (Dec 1998)
Tax Bill	$1,021 (2025)
Deeds & Mortgages	May 2026 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`19-0024-0009-08-0`

Property Details

APN / Parcel Number

Primary APN	`19-0024-0009-08-0`
Alternative APN	`11-19-0024-0009-08-0`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,229 sqft Living Area
1st Floor Area	1,229 sqft
Basement Area	1,229 sqft
Unfinished Basement	1,229 sqft

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Architectural Style	Bungalow
Lot Area	51,836 sqft (1.19 acres)
Garage Area	864 sqft
Parking Spaces	3 Parking Spaces
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	4495 OXBOW RD
City	EAU CLAIRE
State	MI
Zip	49111-9764
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-A RE
Legal Description	COMBINED ON 12/31/2013 FROM 19-0024-0009-01-3, 19-0024-0009-04-0, 19-0024-0009-05-0; COM AT CEN OF SEC 24 T5S R182 TH S89DEG34'53W ON S LN OF NW 1/4 OF SD SEC 187' TH N00DEG03'55"E 255' TH N89DEG34'53"E 187' TO E LN OF SD NW 1/4 TH S89DEG42'46"E 16.6
Legal Range	182
Legal Township	05S
Legal Section	24
Jurisdiction	BERRIEN MI
Township / Civil Division	SODUS
Census Block Group	2
Census Block	2003
Census Tract	1900

Owner

4495 Oxbow Rd is owned and occupied by two individuals who bought it in December 1998.

Source: Berrien County records, as of September 28, 2026

Owner of Record	2 Individual Names on File
Mailing Address	4455 RD, EAU CLAIRE, MI 49111
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 21, 1998 · Amount on File
Deed Sale	Dec 21, 1998 · Amount on File
Deed Book / Page	1940 / 636
Record Updated	Oct 29, 2026

May 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	BERRIEN MI
Recording Date	May 12, 2026
Property Address	4495 OXBOW RD, EAU CLAIRE, MI 49111-9764
Document Number	0000460588
Book / Page	3477 / 553
Instrument Date	May 11, 2026
Instrument	2026460588
Transaction Type	Transfer
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000460589,
Date	May 12, 2026
Instrument	2026460589

Lender

Name	HUNTINGTON NATIONAL BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.38%
Initial Type	Fixed Rate
Max Rate	-1%

Tax Assessment & Valuation

The 2025 property tax bill for 4495 Oxbow Rd was $1,021 with a homeowner's exemption, up 2.4% from the year before.

Source: Berrien County assessment roll, as of September 28, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Berrien County
County Subdivision	Sodus Township
Unified School District	Benton Harbor Area Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$80,500 (+12.27%)	$161,000 (+12.27%)
2025	$1,021.00 (+2.41%) Homeowner's exemption	$71,700	$143,400
2024	$997.00
2023		$59,600	$119,200
2022	$866.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 4495 Oxbow Rd 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

Wildfire risk around 4495 Oxbow Rd 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	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 6 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Midwest Energy & Communications Fiber	1,000 / 1,000
Mercury Fiber Fixed Wireless	150 / 20