4878 Terrace Ln, Saint Joseph, MI 49085 Property Records

Berrien County property record for 4878 Terrace Ln, Saint Joseph, MI 49085

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,386 sqft · built 1950
Lot Size	1.6 acres (69,696 sqft)
Owner	Individual Name on File
Last Sale	$265,000 (Dec 2020)
Tax Bill	$4,660 (2025)
Deeds & Mortgages	Aug 2017 Mortgage Dec 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`12-5580-0020-02-3`

Property Details

APN / Parcel Number

Primary APN	`12-5580-0020-02-3`
Alternative APN	`11-12-5580-0020-02-3`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,386 sqft Living Area
1st Floor Area	2,386 sqft
Basement Area	1,165 sqft
Unfinished Basement	1,165 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Architectural Style	Raised Ranch
Lot Area	69,696 sqft (1.6 acres)
Lot Dimensions	319 ft deep x 71 ft wide
Garage Area	589 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	4878 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	THE N 71'& THE E 224.5'OF LOT 20 OAK TERRACE PER SURVEY 1289/142
Legal Subdivision	OAK TERRACE
Legal Lot Number	20
Legal Unit	20
Jurisdiction	BERRIEN MI
Township / Civil Division	LINCOLN
Census Block Group	1
Census Block	1014
Census Tract	1400

Owner

4878 Terrace Ln is owned and occupied by an individual who bought it in December 2020.

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

Owner of Record	Individual Name on File
Mailing Address	4878 TERRACE LN, SAINT JOSEPH, MI 49085-9723
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

Date	Document
Aug 23, 2017	Deed of Trust, Mortgage · Conventional Mortgage RUOFF MORTGAGE COMPANY INC
Dec 15, 2020	Warranty Deed, Transfer · Conventional Mortgage RUOFF MORTGAGE COMPANY INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 15, 2020 · Amount on File
Deed Sale	Dec 15, 2020 · Amount on File
Prior Sale	Jan 8, 2014
Deed Book / Page	3304 / 2390
Prior Transfer Date	Nov 19, 2013
Prior Transfer Doc	03060/3472
Record Updated	Oct 29, 2026

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	4878 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	03181/0460
Date	Aug 23, 2017
Book Page	3181/0460

Lender

Name	RUOFF MORTGAGE COMPANY INC
Type	Mortgage Company
Address	FORT WAYNE, IN 46825

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2047

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BERRIEN MI
Recording Date	Dec 15, 2020
Property Address	4878 TERRACE LN, SAINT JOSEPH, MI 49085-9723
Document Number	03304/2390
Book / Page	3304 / 2390
Map Reference	LB 21 PG 38
Instrument Date	Nov 12, 2020
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	$2,279.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4878 TERRACE LN, SAINT JOSEPH, MI 49085-9723

Mortgage

Document Number	0033042645
Date	Dec 15, 2020
Instrument	3304/2645

Lender

Name	RUOFF MORTGAGE COMPANY INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 4878 Terrace Ln was $4,660 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		$206,800 (-1.24%)	$413,600 (-1.24%)
2025	$4,660.00 (+3.62%) Homeowner's exemption	$209,400	$418,800
2024	$4,497.00
2023		$160,900	$321,800
2022	$4,069.00

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

Flood

FEMA maps place 4878 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 4878 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

Nearby Properties on Terrace Ln

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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