Berrien County property record for 456 Symphony Cir, Saint Joseph, MI 49085
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,606 sqft · built 1996 |
| Lot Size | 0.229 acres (9,975 sqft) |
| Owner | Company Name on Record |
| Last Sale | $395,000 (May 2024) |
| Tax Bill | $5,058 (2025) |
| Deeds & Mortgages | Mar 2022 Mortgage Jul 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 18-5802-0041-00-9 |
| Primary APN | 18-5802-0041-00-9 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,606 sqft Living Area |
| 1st Floor Area | 930 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1996 |
|---|---|
| Effective Year Built | Effective 1996 |
| Lot Area | 9,975 sqft (0.229 acres) |
| Lot Dimensions | 120 ft deep x 83 ft wide |
| Garage Area | 451 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 456 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 41 PARK PLACE NO 3 |
| Legal Subdivision | PARK PLACE #3 |
| Legal Lot Number | 41 |
| Legal Unit | 41 |
| 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 are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Company Name on Record |
|---|---|
| Mailing Address | 456 SYMPHONY CIR, SAINT JOSEPH, MI 49085-9133 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Revocable Living Trust |
| Date | Document |
|---|---|
| Mar 9, 2022 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Jul 13, 2021 | Deed of Trust, Mortgage QUICKEN LOANS LLC |
| May 31, 2023 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage ROCKET MORTGAGE LLC |
| Jan 3, 2017 | Warranty Deed, Transfer · Conventional Mortgage QUICKEN LOANS INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 1, 2024 · Amount on Record |
| Deed Sale | May 1, 2024 · Amount on Record |
| Prior Sale | Jan 3, 2017 · Amount on Record |
| Deed Document Number | 2024405072 |
| Deed Book / Page | 3425 / 2295 |
| Last Transfer Date | Mar 4, 2025 |
| Transfer Doc | 003445/713 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERRIEN MI |
| Property Address | 456 SYMPHONY CIR, SAINT JOSEPH, MI 49085-9133 |
| Transaction Type | Mortgage |
| Record Updated | Nov 9, 2023 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|---|
| Address | 456 SYMPHONY CIR, SAINT JOSEPH, MI 49085-9133 |
| Investor | Possibly a Property Investor |
| Document Number | 003366/607 |
|---|---|
| Date | Mar 9, 2022 |
| Book Page | 3366/607 |
| Instrument | 2022345095 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERRIEN MI |
| Property Address | 456 SYMPHONY CIR, SAINT JOSEPH, MI 49085-9133 |
| Transaction Type | Mortgage |
| Record Updated | Nov 9, 2023 |
| Name | Verified Name |
|---|---|
| Address | 456 SYMPHONY CIR, SAINT JOSEPH, MI 49085-9133 |
| Investor | Possibly a Property Investor |
| Document Number | 03335/2294 |
|---|---|
| Date | Jul 13, 2021 |
| Book Page | 3335/2294 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Amount | Amount Recorded |
|---|---|
| Term | 361 Months |
| Due | Aug 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERRIEN MI |
| Property Address | 456 SYMPHONY CIR, SAINT JOSEPH, MI 49085-9133 |
| Transaction Type | Mortgage |
| Record Updated | Nov 9, 2023 |
| Name | Verified Name |
|---|---|
| Address | 456 SYMPHONY CIR, SAINT JOSEPH, MI 49085-9133 |
| Investor | Possibly a Property Investor |
| Document Number | 03404/4016 |
|---|---|
| Date | May 31, 2023 |
| Book Page | 3404/4016 |
| Instrument | 2023381557 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Jun 1, 2043 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BERRIEN MI |
| Recording Date | Jan 3, 2017 |
| Property Address | 456 SYMPHONY CIR, SAINT JOSEPH, MI 49085-9133 |
| Document Number | 03159/2454 |
| Book / Page | 3159 / 2454 |
| Map Reference | LB24 PG38 |
| Instrument Date | Dec 28, 2016 |
| Transaction Type | Transfer |
| Record Updated | Nov 9, 2023 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,806.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1009 GRANT AVE, MARQUETTE, MI 49855-3996 |
| Name | Verified Name |
|---|---|
| Address | 456 SYMPHONY CIR, SAINT JOSEPH, MI 49085-9133 |
| Investor | Possibly a Property Investor |
| Document Number | 0031592455 |
|---|---|
| Date | Jan 3, 2017 |
| Instrument | 3159/2455 |
| Name | QUICKEN LOANS INC |
|---|---|
| Type | Lending Institution |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 1, 2047 |
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 | $157,200 (+0.77%) | $314,400 (+0.77%) | |
| 2025 | $5,058.00 (+37.22%) Homeowner's exemption | $156,000 (+43.38%) | $312,000 (+43.38%) |
| 2024 | $3,686.00 (+1%) | ||
| 2023 | $108,800 | $217,600 | |
| 2022 | $3,351.00 |
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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