4631 E Napier Ave, Benton Harbor, MI 49022 Property Records

Berrien County property record for 4631 E Napier Ave, Benton Harbor, MI 49022

Property Summary

Property Type	Manufactured or Modular Home
Details	3 bd · 2 ba · 1,878 sqft · built 1982
Lot Size	4.8 acres (209,088 sqft)
Owner	Individual Name on Record
Last Sale	$56,000 (Mar 2013)
Tax Bill	$2,818 (2025)
Deeds & Mortgages	Jan 2024 Line of Credit Jun 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-0025-0010-03-5`

Property Details

APN / Parcel Number

Primary APN	`03-0025-0010-03-5`
Alternative APN	`11-03-0025-0010-03-5`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,878 sqft Living Area
1st Floor Area	1,302 sqft
Basement Area	1,302 sqft
Unfinished Basement	1,302 sqft

Exterior

Year Built	Built 1982
Effective Year Built	Effective 1982
Architectural Style	Modular
Lot Area	209,088 sqft (4.8 acres)
Garage Area	728 sqft
Parking Spaces	3 Parking Spaces
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	4631 E NAPIER AVE
City	BENTON HARBOR
State	MI
Zip	49022-9612
Property Category	Residential
Property Type	Residential > Prefabricated > Manufactured or Modular Home
Local Zoning Code	AA RURAL
Legal Description	COM 1483.26'N89DEG26'40''W OF E1/4 PST SEC 25 T4S R18W TH S00DEG03' 20''E 1056.55'TO RD C/L TH N89DEG 46'W ON C/L 192.84'TH N00DEG02'40'' W 1057.63'TH S89DEG26'40''E 192.68' (DEED)202.68'(SURVEY) TO POB SURVEY 1093/925
Legal Range	18W
Legal Township	04S
Legal Section	25
Legal Lot Number	192
Jurisdiction	BERRIEN MI
Township / Civil Division	BENTON
Census Block Group	2
Census Block	2009
Census Tract	2400

Owner

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	4631 E NAPIER AVE, BENTON HARBOR, MI 49022-9612
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 2, 2024	Deed of Trust, Mortgage · Line of Credit COASTAL COMMUNITY BANK
Jun 28, 2017	Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD MORTGAGE MICHIGAN LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 1, 2013 · Amount on Record
Deed Sale	Mar 1, 2013 · Amount on Record
Prior Sale	Dec 19, 2005 · Amount on Record
Deed Book / Page	3027 / 2978
Prior Transfer Date	Apr 21, 2005
Prior Transfer Doc	02610/0983
Record Updated	Oct 29, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	4631 E NAPIER AVE, BENTON HARBOR, MI 49022-9612
Transaction Type	Mortgage
Record Updated	Jan 23, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4631 E NAPIER AVE, BENTON HARBOR, MI 49022-9612

Mortgage

Document Number	03418/1544
Date	Jan 2, 2024
Book Page	3418/1544
Instrument	2024395559

Lender

Name	COASTAL COMMUNITY BANK
Type	Bank
Address	BURLINGAME, CA 94010

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	4631 E NAPIER AVE, BENTON HARBOR, MI 49022-9612
Transaction Type	Mortgage
Record Updated	Nov 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	03176/0460
Date	Jun 28, 2017
Book Page	3176/0460

Lender

Name	FIFTH THIRD MORTGAGE MICHIGAN LLC
Type	Mortgage Company
Address	GRAND RAPIDS, MI 49546

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Jul 1, 2037

Tax Assessment & Valuation

Source: Berrien County assessment roll, as of September 28, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$131,200 (+26.89%)	$262,400 (+26.89%)
2025	$2,818.00 (+13.67%)
2023		$103,400	$206,800
2022	$2,479.00

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
Nearby Flood Policies	1 in force

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 95% of the US · lower than 89% 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 20 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Fiber	2,000 / 2,000
Midwest Energy & Communications Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Mercury Fiber.

Cell Coverage

5G (outdoors only) and 4G LTE

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