482 Ridgeway St, Saint Joseph, MI 49085 Property Records

Berrien County property record for 482 Ridgeway St, Saint Joseph, MI 49085

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,288 sqft · built 1981
Lot Size	0.505 acres (21,998 sqft)
Owner	Trust Name on File
Last Sale	$100 (Feb 1998)
Tax Bill	$26,244 (2025)
Deeds & Mortgages	Feb 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`76-1900-0064-00-0`

Property Details

APN / Parcel Number

Primary APN	`76-1900-0064-00-0`
Alternative APN	`11-76-1900-0064-00-0`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	3,288 sqft Living Area
1st Floor Area	2,277 sqft
Basement Area	2,015 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1981
Lot Area	21,998 sqft (0.505 acres)
Lot Dimensions	440 ft deep x 50 ft wide
Garage Area	1,286 sqft
Parking Spaces	5 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	482 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 SWLY 1/2 OF LOT 64 EDGEWATER ADD TO CITY OF ST JOSEPH WHOSE NELY BOUND IS PAR TO SWLY BOUND OF SD LOT 64 ALSO THAT PT OF SEC 14 T4S R19W LYING BET NLY & SLY BOUNDS OF SD PARCEL PRODUCED WLY TO LK MICH BEING OWNED & OCCUPIED AS ONE PARCEL
Legal Range	19W
Legal Township	04S
Legal Section	14
Legal Subdivision	EDGEWATER
Legal Lot Number	64
Legal Unit	64,64
Jurisdiction	BERRIEN MI
Township / Civil Division	ST. JOSEPH
Census Block Group	1
Census Block	1014
Census Tract	801

Owner

482 Ridgeway St is owner-occupied and held in a trust since September 2011.

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

Owner of Record	Trust Name on File
Mailing Address	482 RIDGEWAY ST, SAINT JOSEPH, MI 49085-1053
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 12, 1998 · Amount on File
Deed Sale	Feb 12, 1998 · Amount on File
Prior Sale	Oct 17, 1980
Deed Book / Page	1866 / 810
Last Transfer Date	Sep 1, 2011
Transfer Doc	02967/2586
Record Updated	Oct 29, 2026

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	482 RIDGEWAY ST, SAINT JOSEPH, MI 49085-1053
Transaction Type	Mortgage
Record Updated	Nov 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	03197/0723
Date	Feb 13, 2018
Book Page	3197/0723

Lender

Name	1ST SOURCE BANK
Type	Bank
Address	SOUTH BEND, IN 46601

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	162 Months
Due	Aug 25, 2031

Tax Assessment & Valuation

The 2025 property tax bill for 482 Ridgeway St was $26,244 with a homeowner's exemption, up 2.4% from the year before.

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

Property Jurisdictions

Type	Name
State	Michigan
County	Berrien County
Municipality	St. Joseph City
Unified School District	St. Joseph Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$616,500 (-25.59%)	$1,233,000 (-25.59%)
2025	$26,244.00 (+2.45%) Homeowner's exemption	$828,500	$1,657,000
2024	$25,617.00
2023		$720,600	$1,441,200
2022	$23,445.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 482 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

Wildfire risk around 482 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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