4873 Terrace Ln, Saint Joseph, MI 49085 Property Records

Berrien County property record for 4873 Terrace Ln, Saint Joseph, MI 49085

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,868 sqft · built 1977
Lot Size	0.298 acres (12,981 sqft)
Owner	2 Individual Names on File
Last Sale	$425,000 (Jul 2025)
Tax Bill	$3,068 (2025)
Deeds & Mortgages	Jun 2017 Mortgage Feb 2018 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`12-5590-0023-00-3`

Property Details

APN / Parcel Number

Primary APN	`12-5590-0023-00-3`
Alternative APN	`11-12-5590-0023-00-3`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,868 sqft Living Area
1st Floor Area	1,868 sqft
Basement Area	899 sqft
Unfinished Basement	899 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	655 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	4873 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 23 OAK TERRACE NO 2
Legal Subdivision	OAK TERRACE #2
Legal Lot Number	23
Legal Unit	23
Jurisdiction	BERRIEN MI
Township / Civil Division	LINCOLN
Census Block Group	1
Census Block	1018
Census Tract	1400

Owner

4873 Terrace Ln is owned and occupied by two individuals who bought it in July 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	4873 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 28, 2017	Deed of Trust, Mortgage · Conventional Mortgage UNION HOME MORTGAGE CORP
Feb 2, 2018	Deed of Trust, Mortgage · Line of Credit HONOR CU
Nov 23, 2021	Warranty Deed, Transfer · Conventional Mortgage OAK MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 11, 2025 · Amount on File
Deed Sale	Jul 11, 2025 · Amount on File
Prior Sale	Nov 23, 2021 · Amount on File
Deed Document Number	2025436924
Deed Book / Page	3454 / 4007
Prior Transfer Date	May 10, 2016
Prior Transfer Doc	03136/0444
Record Updated	Oct 29, 2026

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	4873 TERRACE LN, SAINT JOSEPH, MI 49085-9723
Transaction Type	Mortgage
Record Updated	Nov 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	03176/0480
Date	Jun 28, 2017
Book Page	3176/0480

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company
Address	STRONGSVILLE, OH 44136

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	157 Months
Due	Jul 1, 2030

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	4873 TERRACE LN, SAINT JOSEPH, MI 49085-9723
Transaction Type	Mortgage
Record Updated	Nov 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	03196/1677
Date	Feb 2, 2018
Book Page	3196/1677

Lender

Name	HONOR CU
Type	Credit Union
Address	BERRIEN SPRINGS, MI 49103

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	239 Months
Due	Jan 12, 2038

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BERRIEN MI
Recording Date	Nov 23, 2021
Property Address	4873 TERRACE LN, SAINT JOSEPH, MI 49085-9723
Document Number	03354/1015
Book / Page	3354 / 1015
Map Reference	LB 23 PG 5
Instrument Date	Nov 22, 2021
Transaction Type	Transfer
Record Updated	Nov 9, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,720.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4873 TERRACE LN, SAINT JOSEPH, MI 49085-9723
Investor	Possibly a Property Investor

Mortgage

Document Number	0033541016
Date	Nov 23, 2021
Instrument	3354/1016

Lender

Name	OAK MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 4873 Terrace Ln was $3,068 with a homeowner's exemption, up 3.5% 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		$188,900 (+39.82%)	$377,800 (+39.82%)
2025	$3,068.00 (+3.54%) Homeowner's exemption	$135,100	$270,200
2024	$2,963.00
2023		$106,700	$213,400
2022	$2,673.00

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 4873 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 4873 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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