Berrien County property record for 454 Symphony Cir, Saint Joseph, MI 49085
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 1,473 sqft · built 1998 |
| Lot Size | 0.256 acres (11,151 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $290,000 (Oct 2022) |
| Tax Bill | $4,649 (2025) |
| Deeds & Mortgages | Dec 2021 Line of Credit Oct 2022 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 18-5802-0040-00-2 |
| Primary APN | 18-5802-0040-00-2 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Building Area | 1,473 sqft Living Area |
| 1st Floor Area | 1,473 sqft |
| Basement Area | 1,473 sqft |
| Unfinished Basement | 1,473 sqft |
| Year Built | Built 1998 |
|---|---|
| Effective Year Built | Effective 1998 |
| Architectural Style | Raised Ranch |
| Lot Area | 11,151 sqft (0.256 acres) |
| Lot Dimensions | 128 ft deep x 87 ft wide |
| Garage Area | 506 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 454 SYMPHONY CIR |
|---|---|
| City | SAINT JOSEPH |
| State | MI |
| Zip | 49085-9133 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R4 - TWO F |
| Legal Description | LOT 40 PARK PLACE NO 3 |
| Legal Subdivision | PARK PLACE #3 |
| Legal Lot Number | 40 |
| Legal Unit | 40 |
| Jurisdiction | BERRIEN MI |
| Township / Civil Division | ST. JOSEPH |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 1100 |
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 | 454 SYMPHONY CIR, SAINT JOSEPH, MI 49085-9133 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 27, 2021 | Deed of Trust, Mortgage · Line of Credit STURGIS BANK & TRUST CO |
| Oct 13, 2022 | Warranty Deed, Transfer · Conventional Mortgage HORIZON BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 13, 2022 · Amount on Record |
| Deed Sale | Oct 13, 2022 · Amount on Record |
| Prior Sale | Oct 24, 2012 · Amount on Record |
| Deed Document Number | 2022364657 |
| Deed Book / Page | 3388 / 2404 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERRIEN MI |
| Property Address | 454 SYMPHONY CIR, SAINT JOSEPH, MI 49085-9133 |
| Transaction Type | Mortgage |
| Record Updated | Nov 9, 2023 |
| Name | Verified Name |
|---|---|
| Address | 454 SYMPHONY CIR, SAINT JOSEPH, MI 49085-9133 |
| Document Number | 003358/574 |
|---|---|
| Date | Dec 27, 2021 |
| Book Page | 3358/574 |
| Instrument | 2021338785 |
| Name | STURGIS BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | STURGIS, MI 49091 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BERRIEN MI |
| Recording Date | Oct 13, 2022 |
| Property Address | 454 SYMPHONY CIR, SAINT JOSEPH, MI 49085-9133 |
| Document Number | 03388/2404 |
| Book / Page | 3388 / 2404 |
| Map Reference | LB 24 PG 38 |
| Instrument Date | Sep 29, 2022 |
| Instrument | 2022364657 |
| Transaction Type | Transfer |
| Record Updated | Nov 9, 2023 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,175.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 454 SYMPHONY CIR, SAINT JOSEPH, MI 49085-9133 |
| Document Number | 0033882405 |
|---|---|
| Date | Oct 13, 2022 |
| Instrument | 3388-2405 |
| Name | HORIZON BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 1, 2052 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5.62% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Oct 1, 2029 |
| Change Frequency | 5 Years |
| Min Rate At Change | 3.37% |
| Max Rate At Change | 10.6% |
| Index | 1-Year CMT |
| Max Rate | 10.6% |
Source: Berrien County assessment roll, as of September 28, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Berrien County |
| County Subdivision | St. Joseph Charter Township |
| Unified School District | St. Joseph Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $200,400 (+51.47%) | $400,800 (+51.47%) | |
| 2025 | $4,649.00 (+26.99%) | ||
| 2023 | $132,300 | $264,600 | |
| 2022 | $3,661.00 |
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 99.1% of the US · lower than 98.4% 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 | SOUTHWEST MICHIGAN REGIONAL SANITARY SEW serves 26,780 people · EPA ID MI0003726 |
|---|---|
| Water Source | Purchased surface water from ST JOSEPH |
| Last State Inspection | Feb 2025 |
| Lead | 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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 139 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 |
| Mercury Fiber Fixed Wireless | 150 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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