Berrien County property record for 5 Ridgeway St, Saint Joseph, MI 49085
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 5 ba · 2,920 sqft · built 1987 |
| Lot Size | 0.25 acres (10,890 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $17,600 (2025) |
| Deeds & Mortgages | Aug 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 76-0023-0012-01-0 |
| Primary APN | 76-0023-0012-01-0 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 5 Baths |
| Half Baths | 2 Half Baths |
| Stories | 2 Stories |
| Building Area | 2,920 sqft Living Area |
| 1st Floor Area | 1,460 sqft |
| Basement Area | 1,460 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 1987 |
| Lot Area | 10,890 sqft (0.25 acres) |
| Lot Dimensions | 112 ft deep x 100 ft wide |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 5 RIDGEWAY ST |
|---|---|
| City | SAINT JOSEPH |
| State | MI |
| Zip | 49085-1086 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 - B |
| Legal Description | COMBINED ON 01/14/2016 FROM 76-0023-0013-00-2, 76-0023-0012-00-6; COM NE COR SEC 23 T4S R19W MEAS W 2456.7? TH S 225.7? TH S35DEG17?W 382.3? TH S56DEG05?E TO ELY LN OF RIDGEWAY ST & POB TH S35DEG17?W 100? TH S56DEG05?E 110? TH N35DEG34?E 100? TH N56D |
| Legal Range | 19W |
| Legal Township | 04S |
| Legal Section | 23 |
| Jurisdiction | BERRIEN MI |
| Township / Civil Division | ST. JOSEPH |
| Census Block Group | 1 |
| Census Block | 1014 |
| Census Tract | 801 |
5 Ridgeway St is owned and occupied by an individual.
Source: Berrien County records, as of September 28, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 5 RIDGEWAY ST, SAINT JOSEPH, MI 49085-1086 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERRIEN MI |
| Property Address | 5 RIDGEWAY ST, SAINT JOSEPH, MI 49085-1086 |
| Transaction Type | Mortgage |
| Record Updated | Nov 9, 2023 |
| Name | Verified Name |
|---|---|
| Address | 5 RIDGEWAY ST, SAINT JOSEPH, MI 49085-1086 |
| Document Number | 03341/2656 |
|---|---|
| Date | Aug 27, 2021 |
| Book Page | 3341/2656 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 1.87% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Sep 1, 2028 |
| Change Frequency | 6 Months |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 6.87% |
| Index | Other |
| Max Rate | 6.87% |
The 2025 property tax bill for 5 Ridgeway St was $17,600 with a homeowner's exemption.
Source: Berrien County assessment roll, as of September 28, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Berrien County |
| Municipality | St. Joseph City |
| Unified School District | St. Joseph Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $597,500 | $1,195,000 | |
| 2025 | $17,600.00 | ||
| 2023 | $456,300 | $912,600 | |
| 2022 | $15,723.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 5 Ridgeway St 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 |
| Flood Insurance Cost | Premium on File median of 11 policies |
| Nearby Flood Policies | 11 in force |
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 5 Ridgeway St 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 | BENTON HARBOR serves 9,103 people · EPA ID MI0000600 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jan 2025 |
| Lead | Under 1 ppb (2025) action level 15 ppb |
| Water Quality | Treatment failure resolved · Sep 2021 Failure to filter resolved · May 2021 |
|---|---|
| Treatment and Procedure | Organic carbon removal Apr 2026 Treatment change without state approval Sep 2021 Lead public education Aug 2021 |
| Monitoring and Reporting | None 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 51 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| AT&T Fixed Wireless | 100 / 20 |
May also be available: T-Mobile.
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