Berrien County property record for 4775 Luther Path, Saint Joseph, MI 49085
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba |
| Lot Size | 1 acres (43,560 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $439 (2025) |
| Deeds & Mortgages | Jan 2026 Mortgage Jun 2025 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 17-2800-0020-00-0 |
| Primary APN | 17-2800-0020-00-0 |
|---|---|
| Alternative APN |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 2 Stories |
| Lot Area | 43,560 sqft (1 acres) |
|---|
| Heating System | Forced Air with A/C |
|---|
| Street Address | 4775 LUTHER PATH |
|---|---|
| City | SAINT JOSEPH |
| State | MI |
| Zip | 49085-8323 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PUD |
| Legal Description | UNIT 20 HERITAGE VILLAGE HOMES SECOND AMENDMENT LIBER 163 PAGE 72 FORMERLY KNOWN AS LUTHERAN HERITAGE VILLAGE HOMES |
| Legal Unit | 20 |
| Jurisdiction | BERRIEN MI |
| Township / Civil Division | ROYALTON |
| Census Block Group | 2 |
| Census Block | 2018 |
| Census Tract | 1800 |
4775 Luther Path is owned and occupied by two individuals who acquired it in July 2025.
Source: Berrien County records, as of September 28, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 170 RIVERVIEW DR, 214, BENTON HARBOR, MI 49022-3635 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
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 |
|---|---|
| Jan 30, 2026 | Deed of Trust, Mortgage · Conventional Mortgage UNITED FCU |
| Jun 16, 2025 | Warranty Deed, Transfer · Conventional Mortgage UNITED FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 25, 2025 |
| Deed Sale | Jul 25, 2025 |
| Prior Sale | Jun 16, 2025 · Amount on File |
| Deed Document Number | 2025437884 |
| Deed Book / Page | 3455 / 3783 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERRIEN MI |
| Property Address | 4775 LUTHER PATH, SAINT JOSEPH, MI 49085-8323 |
| Transaction Type | Mortgage |
| Record Updated | Feb 23, 2026 |
| Title Company | E-CHICAGO TITLE, CHICAGO TITLE |
| Name | Verified Name |
|---|---|
| Address | 4775 LUTHER PATH, SAINT JOSEPH, MI 49085-8323 |
| Document Number | 03469/1412 |
|---|---|
| Date | Jan 30, 2026 |
| Book Page | 3469/1412 |
| Instrument | 2026450923 |
| Name | UNITED FCU |
|---|---|
| Type | Credit Union |
| Address | SAINT JOSEPH, MI 49085 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Feb 1, 2041 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BERRIEN MI |
| Recording Date | Jun 16, 2025 |
| Property Address | 4775 LUTHER PATH, SAINT JOSEPH, MI 49085-8323 |
| Document Number | 03452/4161 |
| Book / Page | 3452 / 4161 |
| Map Reference | LB 163 PG 1 |
| Instrument Date | Jun 6, 2025 |
| Instrument | 2025434741 |
| Transaction Type | Transfer |
| Record Updated | Oct 1, 2025 |
| Title Company | EVONS TITLE, DEVON TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,662.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2186 E CENTRE AVE, PORTAGE, MI 49002-4420 |
| Name | Verified Name |
|---|---|
| Address | 170 RIVERVIEW DR APT 214, 214, BENTON HARBOR, MI 49022-3635 |
| Document Number | 0034524165 |
|---|---|
| Date | Jun 16, 2025 |
| Instrument | 3452/4165 |
| Name | UNITED FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Jul 1, 2040 |
The 2025 property tax bill for 4775 Luther Path was $439 with a homeowner's exemption, up 155.2% from the year before.
Source: Berrien County assessment roll, as of September 28, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Berrien County |
| County Subdivision | Royalton Township |
| Unified School District | Lakeshore School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $205,600 (+1,896.12%) | $411,200 (+1,896.12%) | |
| 2025 | $439.00 (+155.23%) | $10,300 | $20,600 |
| 2024 | $172.00 | ||
| 2023 | $9,400 | $18,800 | |
| 2022 | $159.00 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 4775 Luther Path in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1979.
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 Claims | 1 (1979) |
| Most Recent Claim | Apr 1979 · tidal / storm surge |
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 4775 Luther Path 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 95% of the US · lower than 89% 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.
Source: FCC Broadband Data Collection, based on 36 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| 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 |
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