4601 Watson Rd, Eau Claire, MI 49111 Property Records

Berrien County property record for 4601 Watson Rd, Eau Claire, MI 49111

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,256 sqft · built 1958
Lot Size	0.68 acres (29,621 sqft)
Owner	2 Individual Names on Record
Last Sale	$120,000 (Aug 2018)
Tax Bill	$1,955 (2025)
Deeds & Mortgages	Oct 2007 Line of Credit Sep 2010 Mortgage + 6 more
Flood Zone	Zone X (minimal risk)
APN	`19-0001-0008-02-6`

Property Details

APN / Parcel Number

Primary APN	`19-0001-0008-02-6`
Alternative APN	`11-19-0001-0008-02-6`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	2,256 sqft Living Area
1st Floor Area	2,256 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1958
Architectural Style	Ranch
Lot Area	29,621 sqft (0.68 acres)
Lot Dimensions	145 ft deep x 191 ft wide
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	4601 WATSON RD
City	EAU CLAIRE
State	MI
Zip	49111-9738
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-A RE
Legal Description	BEG 642.1' EAST OF THE S1/4 PST SEC 1 T5S R18W TH N 121' TH N59DEG29'E 97' TH E 101.42' TH S 170.26' TH W 184.98' TO POB
Legal Range	18W
Legal Township	05S
Legal Section	01
Jurisdiction	BERRIEN MI
Township / Civil Division	SODUS
Census Block Group	1
Census Block	1048
Census Tract	1900

Owner

Source: Berrien County records, as of July 6, 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	4601 WATSON RD, EAU CLAIRE, MI 49111-9738
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Oct 16, 2007	Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK WESTERN MICHIGAN
Sep 7, 2010	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Mar 29, 2007	Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK WESTERN MICHIGAN
Nov 9, 2006	Deed of Trust, Mortgage LASALLE BANK MIDWEST NA
Oct 9, 2007	Deed of Trust, Mortgage JPMORGAN CHASE BANK NA
Apr 20, 2026	Quit Claim Deed, Transfer · Line of Credit HONOR CREDIT UNION
Apr 20, 2026	Quit Claim Deed, Transfer · Line of Credit HONOR CREDIT UNION
Aug 31, 2018	Warranty Deed, Transfer · Conventional Mortgage HONOR CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 31, 2018 · Amount on Record
Deed Sale	Aug 31, 2018 · Amount on Record
Prior Sale	Aug 31, 2018 · Amount on Record
Deed Book / Page	3215 / 2971
Last Transfer Date	Apr 1, 2026
Transfer Doc	03475/1719
Record Updated	Sep 20, 2026

October 2007: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	4601 WATSON RD, EAU CLAIRE, MI 49111-9738
Transaction Type	Mortgage
Record Updated	May 25, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02814/1675
Date	Oct 16, 2007
Book Page	2814/1675

Lender

Name	FIFTH THIRD BANK WESTERN MICHIGAN
Type	Bank
Address	GRAND RAPIDS, MI 49546

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Change Frequency	Monthly

September 2010: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	4601 WATSON RD, EAU CLAIRE, MI 49111-9738
Transaction Type	Mortgage
Record Updated	May 25, 2026
Title Company	LSI

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02931/0650
Date	Sep 7, 2010
Book Page	2931/0650

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	232 Months
Due	Jan 1, 2030

March 2007: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	4601 WATSON RD, EAU CLAIRE, MI 49111-9738
Transaction Type	Mortgage
Record Updated	May 25, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02783/1000
Date	Mar 29, 2007
Book Page	2783/1000

Lender

Name	FIFTH THIRD BANK WESTERN MICHIGAN
Type	Bank
Address	GRAND RAPIDS, MI 49546

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Change Frequency	Monthly

November 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	4601 WATSON RD, EAU CLAIRE, MI 49111-9738
Transaction Type	Mortgage
Record Updated	May 25, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02757/1309
Date	Nov 9, 2006
Book Page	2757/1309

Lender

Name	LASALLE BANK MIDWEST NA
Type	Bank
Address	TROY, MI 48084

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Nov 9, 2021

October 2007: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	4601 WATSON RD, EAU CLAIRE, MI 49111-9738
Transaction Type	Mortgage
Record Updated	May 25, 2026
Title Company	CAPITAL TITLE AGENCY INC, CTI

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02813/2182
Date	Oct 9, 2007
Book Page	2813/2182

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Oct 1, 2022

April 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BERRIEN MI
Recording Date	Apr 20, 2026
Property Address	4601 WATSON RD, EAU CLAIRE, MI 49111-9738
Document Number	0000458934
Book / Page	3475 / 1719
Instrument Date	Apr 1, 2026
Instrument	2026.458934
Transaction Type	Transfer
Record Updated	May 19, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	4601 WATSON RD, EAU CLAIRE, MI 49111-9738

Mortgage

Document Number	0000458979,
Date	Apr 20, 2026
Book Page	3475/1975
Instrument	2026.458979

Lender

Name	HONOR CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Mar 28, 2046

Interest

Rate	6%
Max Rate	-1%

April 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BERRIEN MI
Recording Date	Apr 20, 2026
Property Address	4601 WATSON RD, EAU CLAIRE, MI 49111-9738
Document Number	03475/1719
Book / Page	3475 / 1719
Instrument Date	Apr 1, 2026
Instrument	2026458934
Transaction Type	Transfer
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	4601 WATSON RD, EAU CLAIRE, MI 49111-9738

Mortgage

Document Number	0000458979,
Date	Apr 20, 2026
Book Page	3475/1975
Instrument	2026458979

Lender

Name	HONOR CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Mar 28, 2046

Interest

Rate	6%
Max Rate	-1%

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BERRIEN MI
Recording Date	Aug 31, 2018
Property Address	4601 WATSON RD, EAU CLAIRE, MI 49111-9738
Document Number	03215/2971
Book / Page	3215 / 2971
Instrument Date	Aug 30, 2018
Transaction Type	Transfer
Record Updated	Nov 9, 2023
Title Company	AMERICAN TITLE COMPANY, MICHIGAN TITLE INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,032.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4641 WILSTON RD, EAU CLAIRE, MI 49111

Mortgage

Document Number	0032152974
Date	Aug 31, 2018
Instrument	3215/2974

Lender

Name	HONOR CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2048

Tax Assessment & Valuation

Source: Berrien County assessment roll, as of June 5, 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		$114,600 (+2.87%)	$229,200 (+2.87%)
2025	$1,955.00 (+2.46%) Homeowner's exemption	$111,400 (+11.62%)	$222,800 (+11.62%)
2024	$1,908.00 (+15.08%)
2023		$99,800	$199,600
2022	$1,658.00

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

Flood

Source: FEMA National Flood Hazard Layer, effective September 10, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 15 individual policies
Nearby Flood Policies	43 units insured incl. 28 condo units

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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 87% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 14 locations within half a mile, as of December 31, 2025

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

May also be available: Mercury Fiber, T-Mobile, Xfinity.

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