512 Wayne St, Saint Joseph, MI 49085 Property Records

Berrien County property record for 512 Wayne St, Saint Joseph, MI 49085

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,870 sqft · built 1910
Lot Size	0.15 acres (6,534 sqft)
Owner	2 Individual Names on Record
Last Sale	$525,000 (Apr 2025)
Tax Bill	$7,532 (2025)
Deeds & Mortgages	Aug 2020 Sale & Mortgage Jun 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`76-0340-0421-00-2`

Property Details

APN / Parcel Number

Primary APN	`76-0340-0421-00-2`
Alternative APN	`11-76-0340-0421-00-2`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,870 sqft Living Area
1st Floor Area	1,674 sqft
Basement Area	1,194 sqft

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Lot Area	6,534 sqft (0.15 acres)
Lot Dimensions	99 ft deep x 66 ft wide
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	512 WAYNE ST
City	SAINT JOSEPH
State	MI
Zip	49085-1372
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2
Legal Description	COM AT NELY COR LOT 421 ORIGINAL PLAT OF CITY OF ST JOSEPH TH SLY ON WAYNE ST 66' TH WLY PAR TO MARKET ST 66' TH NLY PAR TO
Legal Subdivision	ORIGINAL OF CITY OF ST JOSEPH
Legal Lot Number	421
Jurisdiction	BERRIEN MI
Township / Civil Division	ST. JOSEPH
Census Block Group	1
Census Block	1033
Census Tract	802

Owner

Source: Berrien County records, as of June 5, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	512 WAYNE ST, SAINT JOSEPH, MI 49085-1372
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 14, 2020	Warranty Deed, Transfer · Conventional Mortgage HONOR CU
Jun 28, 2019	Warranty Deed, Transfer · Conventional Mortgage EDGEWATER BANK
Aug 22, 2017	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 4, 2025 · Amount on Record
Deed Sale	Apr 4, 2025 · Amount on Record
Prior Sale	Aug 14, 2020 · Amount on Record
Deed Document Number	2025429663
Deed Book / Page	3447 / 3138
Prior Transfer Date	Aug 22, 2017
Prior Transfer Doc	03181/0200
Record Updated	Sep 20, 2026

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BERRIEN MI
Recording Date	Aug 14, 2020
Property Address	512 WAYNE ST, SAINT JOSEPH, MI 49085-1372
Document Number	03286/1575
Book / Page	3286 / 1575
Map Reference	LB E PG 564
Instrument Date	Aug 3, 2020
Transaction Type	Transfer
Record Updated	Nov 9, 2023
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,975.60
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	512 WAYNE ST, SAINT JOSEPH, MI 49085-1372

Mortgage

Document Number	0032861577
Date	Aug 14, 2020
Instrument	3286/1577

Lender

Name	HONOR CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2050

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BERRIEN MI
Recording Date	Jun 28, 2019
Property Address	512 WAYNE ST, SAINT JOSEPH, MI 49085-1372
Document Number	03241/3347
Book / Page	3241 / 3347
Map Reference	LB E PG 564
Instrument Date	Jun 26, 2019
Transaction Type	Transfer
Record Updated	Nov 9, 2023
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,795.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	512 WAYNE ST, SAINT JOSEPH, MI 49085-1372

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	512 WAYNE ST, SAINT JOSEPH, MI 49085-1372

Mortgage

Document Number	0032413349
Date	Jun 28, 2019
Instrument	3241/3349

Lender

Name	EDGEWATER BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jul 1, 2034

August 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BERRIEN MI
Recording Date	Aug 22, 2017
Property Address	512 WAYNE ST, SAINT JOSEPH, MI 49085-1372
Document Number	03181/0200
Book / Page	3181 / 0200
Map Reference	MB E PG564
Instrument Date	Aug 22, 2017
Transaction Type	Transfer
Record Updated	Nov 9, 2023

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	512 WAYNE ST, SAINT JOSEPH, MI 49085-1372

Tax Assessment & Valuation

Source: Berrien County assessment roll, as of June 5, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Berrien County
Municipality	St. Joseph City
Unified School District	St. Joseph Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$215,300 (-10.55%)	$430,600 (-10.55%)
2025	$7,532.00 (+2.45%) Homeowner's exemption	$240,700 (+19.16%)	$481,400 (+19.16%)
2024	$7,352.00 (+9.26%)
2023		$202,000	$404,000
2022	$6,729.00

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

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 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

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

Wildfire Risk	Not rated no burnable land within ember reach

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	ST JOSEPH serves 7,930 people · EPA ID MI0006310
Water Source	Surface water
Last State Inspection	Jun 2025
Lead	4 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 702 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless · DSL · Fiber in parts of the area	100 / 20

512 Wayne St, Saint Joseph, MI 49085 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Utilities, Heating & Cooling

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

August 2020: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

June 2019: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

August 2017: Intrafamily Transfer, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood

Wildfire

Drinking Water

Violations Reported to EPA

Internet Providers

Nearby Properties on Wayne St

Nearby Streets

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