Berrien County property record for 4871 Oak Ter, Saint Joseph, MI 49085
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,904 sqft · built 1979 |
| Lot Size | 0.34 acres (14,810 sqft) |
| Owner | Individual Name on File |
| Last Sale | $188,000 (Nov 2000) |
| Tax Bill | $4,166 (2025) |
| Deeds & Mortgages | Jun 2023 Line of Credit Mar 2018 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 12-5590-0045-01-5 |
| Primary APN | 12-5590-0045-01-5 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 2 Half Baths |
| Stories | 1 Story |
| Building Area | 1,904 sqft Living Area |
| 1st Floor Area | 1,904 sqft |
| Basement Area | 1,904 sqft |
| Unfinished Basement | 1,904 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1979 |
|---|---|
| Effective Year Built | Effective 1979 |
| Architectural Style | Raised Ranch |
| Lot Area | 14,810 sqft (0.34 acres) |
| Lot Dimensions | 137 ft deep x 108 ft wide |
| Garage Area | 596 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 4871 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 45 OAK TERRACE NO 2 EXC COM AT MOST ELY COR SD LOT 45 TH S89DEG23'45''W 112.36' TH N 0 DEG07'35''W 38.48'TH S71DEG39'12''E 118.45'TO POB |
| Legal Subdivision | OAK TERRACE # 2 |
| Legal Lot Number | 45 |
| Legal Unit | 45,45 |
| Jurisdiction | BERRIEN MI |
| Township / Civil Division | LINCOLN |
| Census Block Group | 1 |
| Census Block | 1014 |
| Census Tract | 1400 |
4871 Oak Ter is owned and occupied by an individual who acquired it in March 2018.
Source: Berrien County records, as of September 28, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 4871 OAK TER, SAINT JOSEPH, MI 49085-9747 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Borrower in Default |
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 |
|---|---|
| Jun 23, 2023 | Deed of Trust, Mortgage · Line of Credit STURGIS BANK & TRUST CO |
| Mar 12, 2018 | Intrafamily Transfer, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 29, 2000 · Amount on File |
| Deed Sale | Nov 29, 2000 · Amount on File |
| Prior Sale | Oct 28, 1998 · Amount on File |
| Deed Book / Page | 2093 / 526 |
| Last Transfer Date | Mar 7, 2018 |
| Transfer Doc | 03199/1631 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERRIEN MI |
| Property Address | 4871 OAK TER, SAINT JOSEPH, MI 49085-9747 |
| Transaction Type | Mortgage |
| Record Updated | Nov 9, 2023 |
| Name | Verified Name |
|---|---|
| Address | 4871 OAK TER, SAINT JOSEPH, MI 49085-9747 |
| Document Number | 03406/2828 |
|---|---|
| Date | Jun 23, 2023 |
| Book Page | 3406/2828 |
| Instrument | 2023383338 |
| Name | STURGIS BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | STURGIS, MI 49091 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | BERRIEN MI |
| Recording Date | Mar 12, 2018 |
| Property Address | 4871 OAK TER, SAINT JOSEPH, MI 49085-9747 |
| Document Number | 03199/1631 |
| Book / Page | 3199 / 1631 |
| Map Reference | LB23 PG5 |
| Instrument Date | Mar 7, 2018 |
| Transaction Type | Transfer |
| Record Updated | Nov 9, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 4876 OAK TER, SAINT JOSEPH, MI 49085-9747 |
The 2025 property tax bill for 4871 Oak Ter was $4,166 with a homeowner's exemption, up 3.6% from the year before.
Source: Berrien County assessment roll, as of September 28, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Berrien County |
| County Subdivision | Lincoln Charter Township |
| Unified School District | Lakeshore School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $215,500 (+2.67%) | $431,000 (+2.67%) | |
| 2025 | $4,166.00 (+3.55%) Homeowner's exemption | $209,900 | $419,800 |
| 2024 | $4,023.00 | ||
| 2023 | $163,700 | $327,400 | |
| 2022 | $3,631.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4871 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 risk around 4871 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.
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 |
| 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.
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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures