474 Chippewa Rd, Benton Harbor, MI 49022 Property Records

Berrien County property record for 474 Chippewa Rd, Benton Harbor, MI 49022

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,229 sqft · built 1961
Lot Size	0.168 acres (7,318 sqft)
Owner	2 Individual Names on File
Last Sale	$250,000 (Aug 2024)
Tax Bill	$2,671 (2025)
Deeds & Mortgages	Mar 2019 Mortgage Jul 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`18-5200-0047-00-2`

Property Details

APN / Parcel Number

Primary APN	`18-5200-0047-00-2`
Alternative APN	`11-18-5200-0047-00-2`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Building Area	1,229 sqft Living Area
1st Floor Area	1,229 sqft
Basement Area	1,229 sqft
Unfinished Basement	1,229 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1961
Effective Year Built	Effective 1961
Architectural Style	Raised Ranch
Lot Area	7,318 sqft (0.168 acres)
Lot Dimensions	130 ft deep x 56.4 ft wide

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	474 CHIPPEWA RD
City	BENTON HARBOR
State	MI
Zip	49022-6015
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2 - SINGL
Legal Description	LOT 47 NAPIER PARK
Legal Subdivision	NAPIER PARK
Legal Lot Number	47
Legal Unit	47
Jurisdiction	BERRIEN MI
Township / Civil Division	ST. JOSEPH
Census Block Group	2
Census Block	2010
Census Tract	700

Owner

474 Chippewa Rd is owned and occupied by two individuals who bought it in August 2024.

Source: Berrien County records, as of September 28, 2026

Owner of Record	2 Individual Names on File
Mailing Address	474 CHIPPEWA RD, BENTON HARBOR, MI 49022-6015
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Al (and Others)

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Mar 20, 2019	Deed of Trust, Mortgage BANYON INVESTMENTS LLC
Jul 13, 2021	Warranty Deed, Transfer · Conventional Mortgage HONOR CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 13, 2024 · Amount on File
Deed Sale	Aug 13, 2024 · Amount on File
Prior Sale	Jul 13, 2021 · Amount on File
Deed Document Number	2024411736
Deed Book / Page	3431 / 4143
Record Updated	Oct 29, 2026

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	474 CHIPPEWA RD, BENTON HARBOR, MI 49022-6015
Transaction Type	Mortgage
Record Updated	Nov 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	03232/2039
Date	Mar 20, 2019
Book Page	3232/2039

Lender

Name	BANYON INVESTMENTS LLC
Type	Non-Lending Institution
Address	SCOTTS, MI 49088

Agreement

Amount	Amount on Record
Term	12 Months
Due	Mar 19, 2020

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BERRIEN MI
Recording Date	Jul 13, 2021
Property Address	474 CHIPPEWA RD, BENTON HARBOR, MI 49022-6015
Document Number	03335/2959
Book / Page	3335 / 2959
Map Reference	LB 8 PG 68
Instrument Date	Jul 9, 2021
Transaction Type	Transfer
Record Updated	Nov 9, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,453.40
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	474 CHIPPEWA RD, BENTON HARBOR, MI 49022-6015

Mortgage

Document Number	0033352960
Date	Jul 13, 2021
Instrument	3335/2960

Lender

Name	HONOR CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 474 Chippewa Rd was $2,671 with a homeowner's exemption.

Source: Berrien County assessment roll, as of September 28, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Berrien County
County Subdivision	St. Joseph Charter Township
Unified School District	Benton Harbor Area Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$97,100	$194,200
2025	$2,671.00
2023		$61,300	$122,600
2022	$1,697.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 474 Chippewa Rd 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

Wildfire risk around 474 Chippewa Rd is low, with less than 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 99.1% of the US · lower than 98.4% of Michigan
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 377 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
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Mercury Fiber.

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