Berrien County property record for 471 N Winans St, Benton Harbor, MI 49022
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,445 sqft · built 1997 |
| Lot Size | 0.359 acres (15,638 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $1,365 (2025) |
| Deeds & Mortgages | Sep 2025 Line of Credit Feb 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 54-0901-0041-01-4 |
| Primary APN | 54-0901-0041-01-4 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 1,445 sqft Living Area |
| 1st Floor Area | 1,445 sqft |
| Year Built | Built 1997 |
|---|---|
| Effective Year Built | Effective 1997 |
| Architectural Style | Raised Ranch |
| Lot Area | 15,638 sqft (0.359 acres) |
| Lot Dimensions | 125 ft deep x 125 ft wide |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 471 N WINANS ST |
|---|---|
| City | BENTON HARBOR |
| State | MI |
| Zip | 49022-3150 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | DISTRICT A |
| Legal Description | LOTS 11 12 13 14 & 15 BLK 5 BENTON HARBOR IMPROVEMENT ASSOC 1ST ADD TO CITY OF BENTON HARBOR |
| Legal Subdivision | BENTON HARBOR IMPROVEMENT ASSOC 1ST ADD |
| Legal Block | 5 |
| Legal Lot Number | 11-15 |
| Jurisdiction | BERRIEN MI |
| Township / Civil Division | BENTON HARBOR |
| Census Block Group | 2 |
| Census Block | 2019 |
| Census Tract | 300 |
471 N Winans St is owned and occupied by an individual.
Source: Berrien County records, as of September 28, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 471 N WINANS ST, BENTON HARBOR, MI 49022-3150 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Sep 30, 2025 | Deed of Trust, Mortgage · Line of Credit UNITED FCU |
| Feb 23, 2017 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERRIEN MI |
| Property Address | 471 N WINANS ST, BENTON HARBOR, MI 49022-3150 |
| Transaction Type | Mortgage |
| Record Updated | Nov 24, 2025 |
| Name | Verified Name |
|---|---|
| Address | 471 N WINANS ST, BENTON HARBOR, MI 49022-3150 |
| Document Number | 003461/401 |
|---|---|
| Date | Sep 30, 2025 |
| Book Page | 3461/401 |
| Instrument | 2025442912 |
| Name | UNITED FCU |
|---|---|
| Type | Credit Union |
| Address | SAINT JOSEPH, MI 49085 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Oct 10, 2040 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERRIEN MI |
| Property Address | 471 N WINANS ST, BENTON HARBOR, MI 49022-3150 |
| Transaction Type | Mortgage |
| Record Updated | Nov 9, 2023 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 03164/0420 |
|---|---|
| Date | Feb 23, 2017 |
| Book Page | 3164/0420 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 298 Months |
| Due | Dec 1, 2041 |
The 2025 property tax bill for 471 N Winans St was $1,365 with a homeowner's exemption.
Source: Berrien County assessment roll, as of September 28, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Berrien County |
| Municipality | Benton Harbor City |
| Unified School District | Benton Harbor Area Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $77,000 | $154,000 | |
| 2025 | $1,365.00 | ||
| 2023 | $46,100 | $92,200 | |
| 2022 | $1,267.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 471 N Winans St in Zone X, an area of minimal flood risk.
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.
Wildfire risk around 471 N Winans St is low, with a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · above 51% of Michigan |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 | BENTON HARBOR serves 9,103 people · EPA ID MI0000600 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jan 2025 |
| Lead | Under 1 ppb (2025) action level 15 ppb |
| Water Quality | Treatment failure resolved · Sep 2021 Failure to filter resolved · May 2021 |
|---|---|
| Treatment and Procedure | Organic carbon removal Apr 2026 Treatment change without state approval Sep 2021 Lead public education Aug 2021 |
| Monitoring and Reporting | None 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 328 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: T-Mobile.
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