4646 Iris Ct, Saint Joseph, MI 49085 Property Records

Berrien County property record for 4646 Iris Ct, Saint Joseph, MI 49085

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,583 sqft · built 1985
Lot Size	0.349 acres (15,202 sqft)
Owner	Individual Name on Record
Last Sale	$320,000 (Sep 2024)
Tax Bill	$4,083 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Aug 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`12-4820-0013-00-1`

Property Details

APN / Parcel Number

Primary APN	`12-4820-0013-00-1`
Alternative APN	`11-12-4820-0013-00-1`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,583 sqft Living Area
1st Floor Area	1,583 sqft
Basement Area	1,226 sqft
Unfinished Basement	1,226 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Architectural Style	Raised Ranch
Lot Area	15,202 sqft (0.349 acres)
Lot Dimensions	152 ft deep x 100 ft wide
Garage Area	486 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	4646 IRIS CT
City	SAINT JOSEPH
State	MI
Zip	49085-9714
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	LD
Legal Description	LOT 13 MAPLE FRONT SUBDIVISION
Legal Subdivision	MAPLE FRONT SUBDIVISION
Legal Lot Number	13
Legal Unit	13
Jurisdiction	BERRIEN MI
Township / Civil Division	LINCOLN
Census Block Group	1
Census Block	1019
Census Tract	1400

Owner

Source: Berrien County records, as of June 5, 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	4646 IRIS CT, SAINT JOSEPH, MI 49085-9714
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 25, 2021	Deed of Trust, Mortgage · Commercial Mortgage QUICKEN LOANS LLC
Aug 9, 2018	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Sep 24, 2018	Personal Representative Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 23, 2024 · Amount on Record
Deed Sale	Sep 23, 2024 · Amount on Record
Prior Sale	Sep 24, 2018 · Amount on Record
Deed Document Number	2024414656
Deed Book / Page	3434 / 3992
Record Updated	Sep 20, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	4646 IRIS CT, SAINT JOSEPH, MI 49085-9714
Transaction Type	Mortgage
Record Updated	Nov 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	003333/898
Date	Jun 25, 2021
Book Page	3333/898

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jul 1, 2036

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	4646 IRIS CT, SAINT JOSEPH, MI 49085-9714
Transaction Type	Mortgage
Record Updated	Nov 9, 2023
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	03213/2607
Date	Aug 9, 2018
Book Page	3213/2607

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

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

September 2018: Personal Representative Deed, Transfer

Document Type	Personal Representative Deed
Jurisdiction	BERRIEN MI
Recording Date	Sep 24, 2018
Property Address	4646 IRIS CT, SAINT JOSEPH, MI 49085-9714
Document Number	03217/3086
Book / Page	3217 / 3086
Map Reference	LB16 PG22
Instrument Date	Aug 31, 2018
Transaction Type	Transfer
Record Updated	Nov 9, 2023

Transaction

Amount	Amount Recorded
Tax	$1,892.00
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
Relationship	Tenants by the Entirety
Address	4646 IRIS CT, SAINT JOSEPH, MI 49085-9714

Tax Assessment & Valuation

Source: Berrien County assessment roll, as of June 5, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Berrien County
County Subdivision	Lincoln Charter Township
Unified School District	Lakeshore School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$156,600 (+22.63%)	$313,200 (+22.63%)
2025	$4,083.00 (+37.71%)
2023		$127,700	$255,400
2022	$2,965.00

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.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 in force
Nearby Flood Claims	2 (2007–2017)
Most Recent Claim	Oct 2017 · rainfall accumulation

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	Not rated no burnable land within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 136 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Surf Internet Fiber	8,000 / 8,000
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20
Mercury Fiber Fixed Wireless	150 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T DSL	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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