Berrien County property record for 458 Symphony Cir, Saint Joseph, MI 49085
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,062 sqft · built 1997 |
| Lot Size | 0.47 acres (20,473 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $414,000 (Jun 2025) |
| Tax Bill | $3,473 (2024) |
| Deeds & Mortgages | Apr 2026 Sale Jun 2025 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 18-5802-0042-00-5 |
| Primary APN | 18-5802-0042-00-5 |
|---|---|
| Alternative APNs |
|
| Lot Area | 20,473 sqft (0.47 acres) |
|---|---|
| Parking Spaces | 2 Parking Spaces |
| Street Address | 458 SYMPHONY CIR |
|---|---|
| City | SAINT JOSEPH |
| State | MI |
| Zip | 49085-9133 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | COMBINED ON 08/01/2025 FROM 18-5802-0042-00-5, 18-5802-0043-00-1; LOTS 42 & 43 PARK PLACE NO 3 |
| Legal Lot Number | 42-43 |
| Jurisdiction | BERRIEN MI |
| Township / Civil Division | ST. JOSEPH |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 1100 |
Source: Berrien County records, as of June 18, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 458 SYMPHONY CIR, SAINT JOSEPH, MI 49085-9133 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Life Estate |
| Date | Document |
|---|---|
| Apr 27, 2026 | Warranty Deed, Transfer NONE LISTED ON DOCUMENT |
| Jun 23, 2025 | Warranty Deed, Transfer · FHA Mortgage UNION HOME MORTGAGE CORP |
| Oct 29, 2013 | Intrafamily Transfer, Transfer · Conventional Mortgage HORIZON BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 23, 2025 · Amount on Record |
| Deed Sale | Jun 23, 2025 · Amount on Record |
| Deed Document Number | 2025435314 |
| Deed Book / Page | 3453 / 2339 |
| Last Transfer Date | Apr 24, 2026 |
| Transfer Doc | 03475/4458 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BERRIEN MI |
| Recording Date | Apr 27, 2026 |
| Property Address | 458 SYMPHONY CIR, SAINT JOSEPH, MI 49085-9133 |
| Document Number | 03475/4458 |
| Book / Page | 3475 / 4458 |
| Instrument Date | Apr 24, 2026 |
| Instrument | 2026459503 |
| Transaction Type | Transfer |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Life Estate |
| Address | 458 SYMPHONY CIR, SAINT JOSEPH, MI 49085-9133 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BERRIEN MI |
| Recording Date | Jun 23, 2025 |
| Property Address | 458 SYMPHONY CIR, SAINT JOSEPH, MI 49085-9133 |
| Document Number | 03453/2339 |
| Book / Page | 3453 / 2339 |
| Map Reference | LB 24 PG 38 |
| Instrument Date | Jun 13, 2025 |
| Instrument | 2025435314 |
| Transaction Type | Transfer |
| Record Updated | Jun 5, 2026 |
| Title Company | CHICAGO TITLE MERIDIAN, CHICAGO TITLE OF MI INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,105.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 462 SYMPHONY CIR, SAINT JOSEPH, MI 49085-9133 |
| Name | Verified Name |
|---|---|
| Address | 458 SYMPHONY CIR, SAINT JOSEPH, MI 49085-9133 |
| Document Number | 0034532341 |
|---|---|
| Date | Jun 23, 2025 |
| Instrument | 3453/2341 |
| Name | UNION HOME MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2055 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | BERRIEN MI |
| Recording Date | Oct 29, 2013 |
| Property Address | 458 SYMPHONY CIR, SAINT JOSEPH, MI 49085-9133 |
| Document Number | 03055/1304 |
| Book / Page | 3055 / 1304 |
| Map Reference | MB24 PG38 |
| Instrument Date | Oct 21, 2013 |
| Transaction Type | Transfer |
| Record Updated | Jun 5, 2026 |
| Title Company | CAPITAL TITLE AGENCY INC, CTI |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 458 SYMPHONY CIR, SAINT JOSEPH, MI 49085-9133 |
| Document Number | 0030551305 |
|---|---|
| Date | Oct 29, 2013 |
| Instrument | 3055/1305 |
| Name | HORIZON BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2043 |
Source: Berrien County assessment roll, as of June 5, 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 | $177,900 (+8.87%) | $355,800 (+8.87%) | |
| 2025 | Homeowner's exemption | $163,400 (+45.5%) | $326,800 (+45.5%) |
| 2024 | $3,473.00 (+10.04%) | ||
| 2023 | $112,300 | $224,600 | |
| 2022 | $3,156.00 |
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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