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5 Emerald Ct, Benton Harbor, MI 49022 Property Records

Berrien County property record for 5 Emerald Ct, Benton Harbor, MI 49022

Property Summary

Property TypeCondominium
Details4 bd · 2.5 ba · 1,680 sqft · built 2017
Lot Size0.203 acres (8,861 sqft)
Owner2 Individual Names on File
Last Sale$430,000 (Dec 2018)
Tax Bill$16,771 (2025)
Deeds & MortgagesAug 2021 Mortgage
Sep 2024 Mortgage
+ 2 more
Flood ZoneZone X (minimal risk)
APN54-2100-0005-00-0

Property Details

APN / Parcel Number

Primary APN54-2100-0005-00-0
Alternative APN
  • 11-54-2100-0005-00-0

Interior

Bedrooms4 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Building Area1,680 sqft Living Area
1st Floor Area840 sqft
Basement Area840 sqft
Unfinished Basement840 sqft

Exterior

Year BuiltBuilt 2017
Effective Year BuiltEffective 2017
Architectural StyleCondo/Apartment
Lot Area8,861 sqft (0.203 acres)
Garage Area576 sqft
Parking Spaces2 Parking Spaces

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C

Location & Zoning

Street Address543 EMERALD CT
CityBENTON HARBOR
StateMI
Zip49022-3411
Property CategoryResidential
Property TypeResidential > Condominium / Townhouse > Condominium
Local Zoning CodeDISTRICT A
Legal DescriptionPLATTED ON 12/11/2015 FROM 54-7800-0100-00-0; UNIT 5 THE ENCLAVE AT HARBOR SHORES CONDOMINIUM LIBER 294 PAGE 1
Legal SubdivisionHARBOR SHORES
Legal Unit5
JurisdictionBERRIEN MI
Township / Civil DivisionBENTON HARBOR
Census Block Group2
Census Block2055
Census Tract2500

Owner

5 Emerald Ct, a condominium, is owned and occupied by two individuals who bought it in December 2018.

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

Owner of Record2 Individual Names on File
Mailing Address543 EMERALD CT, BENTON HARBOR, MI 49022-3411
OccupancyOwner Occupied
Owner TypeIndividual

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

DateDocument
Aug 18, 2021Deed of Trust, Mortgage · Conventional Mortgage
HORIZON BANK
Sep 25, 2024Warranty Deed, Transfer · Conventional Mortgage
UNITED WHOLESALE MORTGAGE
Dec 17, 2018Warranty Deed, Transfer · ARM
BLUELEAF LENDING LLC
Dec 15, 2017Warranty Deed, Transfer

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleDec 17, 2018 · Amount on File
Deed SaleDec 17, 2018 · Amount on File
Prior SaleDec 17, 2018 · Amount on File
Deed Book / Page3225 / 1025
Record UpdatedOct 29, 2026

August 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionBERRIEN MI
Property Address543 EMERALD CT, BENTON HARBOR, MI 49022-3411
Transaction TypeMortgage
Record UpdatedJun 5, 2026
Title CompanyDEVON TITLE COMPANY, DEVON TITLE CO

Transferred To (Grantee/Buyer)

NameVerified Name
Address543 EMERALD CT 5, 5, BENTON HARBOR, MI 49022-3411

Mortgage

Document Number03340/2381
DateAug 18, 2021
Book Page3340/2381
Lender
NameHORIZON BANK
TypeBank
AddressMICHIGAN CITY, IN 46360
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term121 Months
DueSep 1, 2031

September 2024: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBERRIEN MI
Recording DateSep 25, 2024
Property Address543 EMERALD CT, BENTON HARBOR, MI 49022-3411
Document Number003435/710
Book / Page3435 / 710
Map ReferenceLB 294 PG 1
Instrument DateSep 24, 2024
Instrument2024414909
Transaction TypeTransfer
Record UpdatedJun 5, 2026

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants by the Entirety
Address5760 GEORGE ST, STEVENSVILLE, MI 49127-1123

Mortgage

Document Number2024414910
DateSep 25, 2024
Instrument2024414910
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueOct 1, 2054

December 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBERRIEN MI
Recording DateDec 17, 2018
Property Address543 EMERALD CT, BENTON HARBOR, MI 49022-3411
Document Number03225/1025
Book / Page3225 / 1025
Instrument DateDec 4, 2018
Transaction TypeTransfer
Record UpdatedJun 5, 2026
Title CompanyCHICAGO TITLE MERIDIAN, CHICAGO TITLE OF MICHIGAN IN

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$3,698.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address1645 INLAND WAY, NAPLES, FL 34105

Transferred To (Grantee/Buyer)

NameVerified Name
Address6469 APACHE DR, INDIAN HEAD PARK, IL 60525-4375

Mortgage

Document Number0032251028
DateDec 17, 2018
Instrument3225/1028
Lender
NameBLUELEAF LENDING LLC
TypeLending Institution
Agreement
TypeARM
AmountAmount on Record
Term361 Months
DueJan 1, 2049
Interest
Rate TypeAdjustable Rate
Rate4.75%
Type Change DateJan 1, 2026
Change FrequencyAnnually
Min Rate At Change2.25%
Max Rate At Change9.75%
Index1-Year LIBOR
Max Rate9.75%

December 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBERRIEN MI
Recording DateDec 15, 2017
Property Address543 EMERALD CT, BENTON HARBOR, MI 49022-3411
Document Number03192/1620
Book / Page3192 / 1620
Map ReferenceLB294 PG1
Instrument DateDec 12, 2017
Instrument3192-1620
Transaction TypeTransfer
Record UpdatedJun 5, 2026

Transaction

Tax$0.00
Amount AccuracyTransfer Tax Exempt
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address00000

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants by the Entirety
Address1645 VINLAND WAY, NAPLES, FL 34105-3226

Tax Assessment & Valuation

The 2025 property tax bill for 5 Emerald Ct was $16,771.

Source: Berrien County assessment roll, as of September 28, 2026

Property Jurisdictions

TypeName
StateMichigan
CountyBerrien County
MunicipalityBenton Harbor City
Unified School DistrictBenton Harbor Area Schools (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$239,900$479,800
2025$16,771.00
2023$217,300$434,600
2022$10,651.00

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

Flood

FEMA maps place 5 Emerald Ct 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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies2 in force
Nearby Flood Claims6 (1980–2019)
Claims Outside the SFHA6 of 6
Most Recent ClaimSep 2019 · other causes

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 5 Emerald Ct is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 80% of the US · above 51% of Michigan
Wildfire Likelihood0.01% annual chance
ExposureDirect
burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 57 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable		1,200 / 35
Verizon
Fixed Wireless		300 / 20
T-Mobile
Fixed Wireless		100 / 20

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