Berrien County property record for 474 Ridgeway St, Saint Joseph, MI 49085
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 5 ba · 4,294 sqft · built 1961 |
| Lot Size | 0.517 acres (22,521 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $20,530 (2025) |
| Deeds & Mortgages | Feb 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 76-1900-0065-01-4 |
| Primary APN | 76-1900-0065-01-4 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 5 Baths |
| Stories | 2 Stories |
| Building Area | 4,294 sqft Living Area |
| 1st Floor Area | 2,579 sqft |
| Basement Area | 2,147 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1961 |
|---|---|
| Effective Year Built | Effective 1961 |
| Lot Area | 22,521 sqft (0.517 acres) |
| Lot Dimensions | 450 ft deep x 50 ft wide |
| Total Buildings | 2 Buildings |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 474 RIDGEWAY ST |
|---|---|
| City | SAINT JOSEPH |
| State | MI |
| Zip | 49085-1053 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 - A |
| Legal Description | THE NELY 1/2 OF LOT 65 EDGEWATER ADD TO CITY OF ST JOSEPH & ALSO THAT PT OF SEC 14 T4S R19W LYING BET NLY & SLY LNS OF SD N1/2 OF LOT 65 PRODUCED WLY TO LK MICH BEING OWNED & OCCUPIED AS ONE |
| Legal Range | 19W |
| Legal Township | 04S |
| Legal Section | 14 |
| Legal Subdivision | EDGEWATER |
| Legal Lot Number | 65 |
| Legal Unit | 65,65 |
| Jurisdiction | BERRIEN MI |
| Township / Civil Division | ST. JOSEPH |
| Census Block Group | 1 |
| Census Block | 1014 |
| Census Tract | 801 |
474 Ridgeway St is owned and occupied by an individual who acquired it in April 1994.
Source: Berrien County records, as of September 28, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 474 RIDGEWAY ST, SAINT JOSEPH, MI 49085-1053 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 15, 1994 |
| Deed Sale | Apr 15, 1994 |
| Deed Book / Page | 1635 / 664 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERRIEN MI |
| Property Address | 474 RIDGEWAY ST, SAINT JOSEPH, MI 49085-1053 |
| Transaction Type | Mortgage |
| Record Updated | Nov 9, 2023 |
| Name | Verified Name |
|---|
| Document Number | 03196/1770 |
|---|---|
| Date | Feb 2, 2018 |
| Book Page | 3196/1770 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43240 |
| Type | Commercial Mortgage |
|---|
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 474 Ridgeway St was $20,530 with a homeowner's exemption.
Source: Berrien County assessment roll, as of September 28, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Berrien County |
| Municipality | St. Joseph City |
| Unified School District | St. Joseph Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $657,900 | $1,315,800 | |
| 2025 | $20,530.00 | ||
| 2023 | $796,700 | $1,593,400 | |
| 2022 | $18,340.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 474 Ridgeway St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 VE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 11 policies |
| Nearby Flood Policies | 11 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 risk around 474 Ridgeway 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 | None beyond ember reach |
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 97 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures