4855 Terrace Ln, Saint Joseph, MI 49085 Property Records

Berrien County property record for 4855 Terrace Ln, Saint Joseph, MI 49085

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,694 sqft · built 1977
Lot Size	0.298 acres (12,981 sqft)
Owner	2 Individual Names on File
Last Sale	$385,000 (Jan 2026)
Tax Bill	$5,317 (2025)
Deeds & Mortgages	Jun 2005 Line of Credit Sep 2012 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`12-5590-0022-00-7`

Property Details

APN / Parcel Number

Primary APN	`12-5590-0022-00-7`
Alternative APN	`11-12-5590-0022-00-7`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,694 sqft Living Area
1st Floor Area	1,694 sqft
Basement Area	1,410 sqft
Unfinished Basement	1,410 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Architectural Style	Raised Ranch
Lot Area	12,981 sqft (0.298 acres)
Lot Dimensions	130 ft deep x 100 ft wide
Garage Area	511 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	4855 TERRACE LN
City	SAINT JOSEPH
State	MI
Zip	49085-9723
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	LD
Legal Description	LOT 22 OAK TERRACE NO 2
Legal Subdivision	OAK TERRACE #2
Legal Lot Number	22
Legal Unit	22
Jurisdiction	BERRIEN MI
Township / Civil Division	LINCOLN
Census Block Group	1
Census Block	1018
Census Tract	1400

Owner

4855 Terrace Ln is owned and occupied by two individuals who bought it in January 2026.

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

Owner of Record	2 Individual Names on File
Mailing Address	4855 TERRACE LN, SAINT JOSEPH, MI 49085-9723
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Jun 8, 2005	Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK WESTERN MICHIGAN
Sep 11, 2012	Deed of Trust, Mortgage FIFTH THIRD BANK
Jan 12, 2026	Intrafamily Transfer, Transfer · FHA Mortgage UNITED FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 12, 2026 · Amount on File
Deed Sale	Jan 12, 2026 · Amount on File
Prior Sale	Aug 12, 2016 · Amount on File
Deed Document Number	2026449862
Deed Book / Page	3468 / 1371
Prior Transfer Date	Dec 4, 2013
Prior Transfer Doc	03064/0839
Record Updated	Oct 29, 2026

June 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	4855 TERRACE LN, SAINT JOSEPH, MI 49085-9723
Transaction Type	Mortgage
Record Updated	Feb 17, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURAN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02618/1538
Date	Jun 8, 2005
Book Page	2618/1538

Lender

Name	FIFTH THIRD BANK WESTERN MICHIGAN
Type	Bank
Address	1850 E PARIS AVE SE, GRAND RAPIDS, MI 49546

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Change Frequency	Monthly

September 2012: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	4855 TERRACE LN, SAINT JOSEPH, MI 49085-9723
Transaction Type	Mortgage
Record Updated	Feb 17, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	03007/1862
Date	Sep 11, 2012
Book Page	3007/1862

Lender

Name	FIFTH THIRD BANK
Type	Bank
Address	GRAND RAPIDS, MI 49546

Agreement

Amount	Amount on Record
Term	180 Months
Due	Sep 1, 2027

January 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BERRIEN MI
Recording Date	Jan 12, 2026
Property Address	4855 TERRACE LN, SAINT JOSEPH, MI 49085-9723
Document Number	03468/1371
Book / Page	3468 / 1371
Map Reference	LB 23 PG 5
Instrument Date	Jan 8, 2026
Instrument	2026449862
Transaction Type	Transfer
Record Updated	Feb 17, 2026
Title Company	FIRST AMERICAN TITLE

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 TERRACE LN, SAINT JOSEPH, MI 49085-9723

Mortgage

Document Number	0034681372
Date	Jan 12, 2026
Instrument	3468/1372

Lender

Name	UNITED FCU
Type	Credit Union

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2056

Tax Assessment & Valuation

The 2025 property tax bill for 4855 Terrace Ln was $5,317 with a homeowner's exemption, up 3.4% 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		$153,000 (+3.66%)	$306,000 (+3.66%)
2025	$5,317.00 (+3.36%)	$147,600	$295,200
2024	$5,144.00
2023		$115,100	$230,200
2022	$2,794.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 4855 Terrace Ln 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 AE, within 500 ft
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 Terrace Ln 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 97% of the US · lower than 93% of Michigan
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 259 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Surf Internet Fiber	8,000 / 8,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
Mercury Fiber Fixed Wireless	150 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T DSL	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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