4876 Oak Ter, Saint Joseph, MI 49085 Property Records

Berrien County property record for 4876 Oak Ter, Saint Joseph, MI 49085

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.5 ba · 1,957 sqft · built 1979
Lot Size	0.402 acres (17,511 sqft)
Owner	Individual Name on Record
Last Sale	$257,000 (Oct 2006)
Tax Bill	$3,972 (2025)
Deeds & Mortgages	Jun 2018 Line of Credit May 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`12-5590-0028-00-5`

Property Details

APN / Parcel Number

Primary APN	`12-5590-0028-00-5`
Alternative APN	`11-12-5590-0028-00-5`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,957 sqft Living Area
1st Floor Area	1,188 sqft
Basement Area	1,078 sqft
Unfinished Basement	1,078 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Lot Area	17,511 sqft (0.402 acres)
Lot Dimensions	175 ft deep x 100 ft wide
Garage Area	647 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	4876 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 28 OAK TERRACE NO 2
Legal Subdivision	OAK TERRACE #2
Legal Lot Number	28
Legal Unit	28
Jurisdiction	BERRIEN MI
Township / Civil Division	LINCOLN
Census Block Group	1
Census Block	1018
Census Tract	1400

Owner

Source: Berrien County records, as of June 22, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	4876 OAK TER, SAINT JOSEPH, MI 49085-9747
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 19, 2018	Deed of Trust, Mortgage · Line of Credit UNITED FCU
May 21, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED FCU
Jul 23, 2021	Intrafamily Transfer, Transfer
Feb 8, 2017	Intrafamily Transfer, Transfer · Conventional Mortgage UNITED FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 6, 2006 · Amount on Record
Deed Sale	Oct 6, 2006 · Amount on Record
Prior Sale	May 15, 2000 · Amount on Record
Deed Book / Page	2749 / 449
Last Transfer Date	Jul 19, 2021
Transfer Doc	003337/818
Record Updated	Sep 20, 2026

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	4876 OAK TER, SAINT JOSEPH, MI 49085-9747
Transaction Type	Mortgage
Record Updated	Nov 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	03208/3458
Date	Jun 19, 2018
Book Page	3208/3458

Lender

Name	UNITED FCU
Type	Credit Union
Address	SAINT JOSEPH, MI 49085

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Jun 25, 2028

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	4876 OAK TER, SAINT JOSEPH, MI 49085-9747
Transaction Type	Mortgage
Record Updated	Nov 9, 2023
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	003328/975
Date	May 21, 2021
Book Page	3328/975

Lender

Name	UNITED FCU
Type	Credit Union
Address	SAINT JOSEPH, MI 49085

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jun 1, 2036

July 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BERRIEN MI
Recording Date	Jul 23, 2021
Property Address	4876 OAK TER, SAINT JOSEPH, MI 49085-9747
Document Number	003337/818
Book / Page	3337 / 818
Map Reference	LB 23 PG 5
Instrument Date	Jul 19, 2021
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
Address	4876 OAK TER, SAINT JOSEPH, MI 49085-9747

February 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BERRIEN MI
Recording Date	Feb 8, 2017
Property Address	4876 OAK TER, SAINT JOSEPH, MI 49085-9747
Document Number	03162/2915
Book / Page	3162 / 2915
Map Reference	LB23 PG5
Instrument Date	Feb 3, 2017
Transaction Type	Transfer
Record Updated	Nov 9, 2023
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4876 OAK TER, SAINT JOSEPH, MI 49085-9747

Mortgage

Document Number	0031622916
Date	Feb 8, 2017
Instrument	3162/2916

Lender

Name	UNITED FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2047

Tax Assessment & Valuation

Source: Berrien County assessment roll, as of June 5, 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		$179,700 (-3.85%)	$359,400 (-3.85%)
2025	$3,972.00 (+5.3%) Homeowner's exemption	$186,900 (+29.16%)	$373,800 (+29.16%)
2024	$3,772.00 (+10.78%)
2023		$144,700	$289,400
2022	$3,405.00

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

Flood

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

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

Nearby Properties on Oak Ter

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures