4855 Oak Ter, Saint Joseph, MI 49085 Property Records

Berrien County property record for 4855 Oak Ter, Saint Joseph, MI 49085

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,757 sqft · built 1977
Lot Size	0.459 acres (19,994 sqft)
Owner	2 Individual Names on File
Last Sale	$202,500 (May 2002)
Tax Bill	$3,420 (2025)
Deeds & Mortgages	Jun 2022 Transfer
Flood Zone	Zone X (minimal risk)
APN	`12-5590-0044-01-9`

Property Details

APN / Parcel Number

Primary APN	`12-5590-0044-01-9`
Alternative APN	`11-12-5590-0044-01-9`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,757 sqft Living Area
1st Floor Area	1,757 sqft
Basement Area	1,433 sqft
Unfinished Basement	1,433 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Architectural Style	Raised Ranch
Lot Area	19,994 sqft (0.459 acres)
Lot Dimensions	200 ft deep x 100 ft wide
Garage Area	588 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	4855 OAK TER
City	SAINT JOSEPH
State	MI
Zip	49085-9747
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	LD
Legal Description	LOT 44 OAK TERRACE NO 2 ALSO PT OF LOT 45 SD SUB COM AT MOST ELY COR SD LOT 45 TH S89DEG23'45''W 112.36'TH N 0 DEG07'35''W 38.48'TH S71DEG 39'12''E 118.45'TO POB
Legal Subdivision	SD SUB
Legal Lot Number	44-45
Jurisdiction	BERRIEN MI
Township / Civil Division	LINCOLN
Census Block Group	1
Census Block	1014
Census Tract	1400

Owner

4855 Oak Ter is owned and occupied by two individuals who acquired it in June 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	4855 OAK TER, SAINT JOSEPH, MI 49085-9747
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 15, 2002 · Amount on File
Deed Sale	May 15, 2002 · Amount on File
Prior Sale	Jan 28, 2002 · Amount on File
Deed Book / Page	2254 / 1084
Last Transfer Date	Jun 8, 2022
Transfer Doc	03376/2197
Record Updated	Oct 29, 2026

June 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BERRIEN MI
Recording Date	Jun 8, 2022
Property Address	4855 OAK TER, SAINT JOSEPH, MI 49085-9747
Document Number	03376/2197
Book / Page	3376 / 2197
Map Reference	LB 23 PG 5
Instrument Date	May 31, 2022
Instrument	2022354849
Transaction Type	Transfer
Record Updated	Nov 9, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4855 OAK TER, SAINT JOSEPH, MI 49085-9747

Tax Assessment & Valuation

The 2025 property tax bill for 4855 Oak Ter was $3,420 with a homeowner's exemption, up 3.6% from the year before.

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

Property Jurisdictions

Type	Name
State	Michigan
County	Berrien County
County Subdivision	Lincoln Charter Township
Unified School District	Lakeshore School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$166,300 (+6.13%)	$332,600 (+6.13%)
2025	$3,420.00 (+3.57%) Homeowner's exemption	$156,700	$313,400
2024	$3,302.00
2023		$120,900	$241,800
2022	$2,980.00

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

Flood

FEMA maps place 4855 Oak Ter in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2007.

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 Policies	4 in force
Nearby Flood Claims	2 (2007–2017)
Most Recent Claim	Oct 2017 · rainfall accumulation

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 4855 Oak Ter 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 98% of the US · lower than 95% 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 136 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Surf Internet Fiber	8,000 / 8,000
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