4531 E Empire Ave, Benton Harbor, MI 49022 Property Records

Berrien County property record for 4531 E Empire Ave, Benton Harbor, MI 49022

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,188 sqft · built 1880
Lot Size	2.62 acres (114,127 sqft)
Owner	Individual Name on File
Last Sale	$142,000 (May 2013)
Tax Bill	$5,083 (2025)
Deeds & Mortgages	Jun 2020 Line of Credit May 2013 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-0024-0019-06-0`

Property Details

APN / Parcel Number

Primary APN	`03-0024-0019-06-0`
Alternative APN	`11-03-0024-0019-06-0`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	2,188 sqft Living Area
1st Floor Area	1,366 sqft
Basement Area	920 sqft
Unfinished Basement	920 sqft

Exterior

Year Built	Built 1880
Effective Year Built	Effective 1880
Lot Area	114,127 sqft (2.62 acres)
Total Buildings	4 Buildings

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	4531 E EMPIRE AVE
City	BENTON HARBOR
State	MI
Zip	49022-9724
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AA RURAL
Legal Description	SPLIT/COMBINED ON 11/01/2013 FROM 03-0024-0019-04-2, 03-0024-0019-05-1; COM AT S 1/4 COR SEC 24 T4S R18W TH S89DEG08'43E ON S
Legal Range	18W
Legal Township	04S
Legal Section	24
Jurisdiction	BERRIEN MI
Township / Civil Division	BENTON
Census Block Group	2
Census Block	2000
Census Tract	2400

Owner

Source: Berrien County records · APN 03-0024-0019-06-0

Assessment roll updated June 5, 2026 · Last verified June 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 File
Mailing Address	4531 E EMPIRE AVE, BENTON HARBOR, MI 49022-9724
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 22, 2020	Deed of Trust, Mortgage · Line of Credit HORIZON BANK
May 17, 2013	Warranty Deed, Transfer · Conventional Mortgage HORIZON BANK NA

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	May 17, 2013 · Amount on Record
Deed Sale	May 17, 2013 · Amount on Record
Deed Book / Page	3037 / 1292
Record Updated	Sep 20, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	4531 E EMPIRE AVE, BENTON HARBOR, MI 49022-9724
Transaction Type	Mortgage
Record Updated	Jun 05, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	003279/925
Date	Jun 22, 2020
Book Page	3279/925

Lender

Name	HORIZON BANK
Type	Bank
Address	MICHIGAN CITY, IN 46360

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Jun 22, 2045

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2013: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BERRIEN MI
Recording Date	May 17, 2013
Property Address	4531 E EMPIRE AVE, BENTON HARBOR, MI 49022-9724
Document Number	03037/1292
Book / Page	3037 / 1292
Instrument Date	May 16, 2013
Transaction Type	Transfer
Record Updated	Jun 05, 2026
Title Company	MULTIPLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,221.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	4351 E EMPIRE AVE, BENTON HARBOR, MI 49022-9724

Mortgage

Document Number	0030371293
Date	May 17, 2013
Instrument	3037/1293

Lender

Name	HORIZON BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 01, 2043

Tax Assessment & Valuation

Source: Berrien County records · Assessment roll updated June 5, 2026 · Last verified June 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$143,300 (+45.63%)	$286,600 (+45.63%)
2025	$5,083.00 (+49.32%)
2023		$98,400	$196,800
2022	$3,404.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of September 10, 2024 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

Wildfire

Wildfire Risk	Low lower than 95% of the US · lower than 89% of Michigan
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Midwest Energy Cooperative Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

Based on FCC filings for 2 locations within half a mile of this property.

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