Berrien County property record for 5159 Norman Rd, Saint Joseph, MI 49085
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,491 sqft · built 1956 |
| Lot Size | 0.505 acres (21,998 sqft) |
| Owner | Individual Name on File |
| Last Sale | $315,000 (Apr 2026) |
| Tax Bill | $2,067 (2025) |
| Deeds & Mortgages | Jul 2020 Line of Credit Jun 2020 Mortgage + 8 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 12-3020-0007-00-4 |
| Primary APN | 12-3020-0007-00-4 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,491 sqft Living Area |
| 1st Floor Area | 1,491 sqft |
| Basement Area | 1,292 sqft |
| Unfinished Basement | 1,292 sqft |
| Year Built | Built 1956 |
|---|---|
| Effective Year Built | Effective 1956 |
| Architectural Style | Raised Ranch |
| Lot Area | 21,998 sqft (0.505 acres) |
| Lot Dimensions | 220 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 | 5159 NORMAN RD |
|---|---|
| City | SAINT JOSEPH |
| State | MI |
| Zip | 49085-9742 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | LD |
| Legal Description | LOT 7 HAPPY ACRES |
| Legal Subdivision | HAPPY ACRES |
| Legal Lot Number | 7 |
| Legal Unit | 7 |
| Jurisdiction | BERRIEN MI |
| Township / Civil Division | LINCOLN |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 1600 |
Source: Berrien County records, as of September 28, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1575 PHEASANT RUN, A, BARODA, MI 49101-8303 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 27, 2020 | Deed of Trust, Mortgage · Line of Credit HORIZON BANK |
| Jun 23, 2020 | Deed of Trust, Mortgage · Conventional Mortgage HORIZON BANK |
| Mar 14, 2022 | Deed of Trust, Mortgage · Commercial Mortgage HORIZON BANK |
| Jan 4, 2022 | Deed of Trust, Mortgage · Conventional Mortgage HORIZON BANK |
| Apr 17, 2007 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage HOMECOMINGS FINANCIAL LLC |
| Mar 12, 2012 | Deed of Trust, Mortgage · Line of Credit HORIZON BANK NA |
| Jun 15, 2016 | Deed of Trust, Mortgage · Commercial Mortgage HORIZON BANK NA |
| Feb 23, 2012 | Deed of Trust, Mortgage · Conventional Mortgage HORIZON BANKS NA |
| Apr 1, 2026 | Warranty Deed, Transfer · Conventional Mortgage HONOR CREDIT UNION |
| Apr 1, 2026 | Warranty Deed, Transfer · Conventional Mortgage HONOR CREDIT UNION |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 1, 2026 · Amount on File |
| Deed Sale | Apr 1, 2026 · Amount on File |
| Prior Sale | Mar 30, 1992 · Amount on File |
| Deed Document Number | 2026457377 |
| Deed Book / Page | 3473 / 4207 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERRIEN MI |
| Property Address | 5159 NORMAN RD, SAINT JOSEPH, MI 49085-9742 |
| Transaction Type | Mortgage |
| Record Updated | May 4, 2026 |
| Name | Verified Name |
|---|
| Document Number | 03283/2773 |
|---|---|
| Date | Jul 27, 2020 |
| Book Page | 3283/2773 |
| Name | HORIZON BANK |
|---|---|
| Type | Bank |
| Address | MICHIGAN CITY, IN 46360 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERRIEN MI |
| Property Address | 5159 NORMAN RD, SAINT JOSEPH, MI 49085-9742 |
| Transaction Type | Mortgage |
| Record Updated | May 4, 2026 |
| Name | Verified Name |
|---|
| Document Number | 03279/2246 |
|---|---|
| Date | Jun 23, 2020 |
| Book Page | 3279/2246 |
| Name | HORIZON BANK |
|---|---|
| Type | Bank |
| Address | MICHIGAN CITY, IN 46360 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Jul 1, 2035 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERRIEN MI |
| Property Address | 5159 NORMAN RD, SAINT JOSEPH, MI 49085-9742 |
| Transaction Type | Mortgage |
| Record Updated | May 4, 2026 |
| Name | Verified Name |
|---|---|
| Address | 5159 NORMAN RD, SAINT JOSEPH, MI 49085-9742 |
| Document Number | 03366/2338 |
|---|---|
| Date | Mar 14, 2022 |
| Book Page | 3366/2338 |
| Instrument | 2022345490 |
| Name | HORIZON BANK |
|---|---|
| Type | Bank |
| Address | MICHIGAN CITY, IN 46360 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Mar 3, 2047 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERRIEN MI |
| Property Address | 5159 NORMAN RD, SAINT JOSEPH, MI 49085-9742 |
| Transaction Type | Mortgage |
| Record Updated | May 4, 2026 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 5159 NORMAN RD, SAINT JOSEPH, MI 49085-9742 |
| Document Number | 003359/940 |
|---|---|
| Date | Jan 4, 2022 |
| Book Page | 3359/940 |
| Instrument | 2022339612 |
| Name | HORIZON BANK |
|---|---|
| Type | Bank |
| Address | MICHIGAN CITY, IN 46360 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERRIEN MI |
| Property Address | 5159 NORMAN RD, SAINT JOSEPH, MI 49085-9742 |
| Transaction Type | Mortgage |
| Record Updated | May 4, 2026 |
| Name | Verified Name |
|---|
| Document Number | 02786/1199 |
|---|---|
| Date | Apr 17, 2007 |
| Book Page | 2786/1199 |
| Name | HOMECOMINGS FINANCIAL LLC |
|---|---|
| Type | Funding / Finance Company |
| Address | DALLAS, TX 75204 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | May 1, 2022 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERRIEN MI |
| Property Address | 5159 NORMAN RD, SAINT JOSEPH, MI 49085-9742 |
| Transaction Type | Mortgage |
| Record Updated | May 4, 2026 |
| Name | Verified Name |
|---|
| Document Number | 02986/2808 |
|---|---|
| Date | Mar 12, 2012 |
| Book Page | 2986/2808 |
| Name | HORIZON BANK NA |
|---|---|
| Type | Bank |
| Address | MICHIGAN CITY, IN 46360 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Feb 28, 2022 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERRIEN MI |
| Property Address | 5159 NORMAN RD, SAINT JOSEPH, MI 49085-9742 |
| Transaction Type | Mortgage |
| Record Updated | May 4, 2026 |
| Name | Verified Name |
|---|
| Document Number | 03139/0784 |
|---|---|
| Date | Jun 15, 2016 |
| Book Page | 3139/0784 |
| Name | HORIZON BANK NA |
|---|---|
| Type | Bank |
| Address | SAINT JOSEPH, MI 49085 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 179 Months |
| Due | May 13, 2031 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERRIEN MI |
| Property Address | 5159 NORMAN RD, SAINT JOSEPH, MI 49085-9742 |
| Transaction Type | Mortgage |
| Record Updated | May 4, 2026 |
| Title Company | MULTIPLE |
| Name | Verified Name |
|---|
| Document Number | 02985/0120 |
|---|---|
| Date | Feb 23, 2012 |
| Book Page | 2985/0120 |
| Name | HORIZON BANKS NA |
|---|---|
| Type | Bank |
| Address | MICHIGAN CITY, IN 46360 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Mar 1, 2027 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BERRIEN MI |
| Recording Date | Apr 1, 2026 |
| Property Address | 5159 NORMAN RD, SAINT JOSEPH, MI 49085-9742 |
| Document Number | 0000457377 |
| Book / Page | 3473 / 4207 |
| Instrument Date | Mar 31, 2026 |
| Instrument | 2026.457377 |
| Transaction Type | Transfer |
| Record Updated | Apr 29, 2026 |
| Title Company | CHICAGO TITLE MERIDIAN, CHICAGO TITLE OF MICHIGAN |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $238,612.50 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Number | 0000457378, |
|---|---|
| Date | Apr 1, 2026 |
| Instrument | 2026..457378 |
| Name | HONOR CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.01% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BERRIEN MI |
| Recording Date | Apr 1, 2026 |
| Property Address | 5159 NORMAN RD, SAINT JOSEPH, MI 49085-9742 |
| Document Number | 03473/4207 |
| Book / Page | 3473 / 4207 |
| Instrument Date | Mar 31, 2026 |
| Instrument | 2026457377 |
| Transaction Type | Transfer |
| Record Updated | Aug 25, 2026 |
| Title Company | CHICAGO TITLE W, CHICAGO TITLE OF MICHIGAN |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $238,612.50 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Number | 0000457378, |
|---|---|
| Date | Apr 1, 2026 |
| Instrument | 2026457378 |
| Name | HONOR CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
Source: Berrien County assessment roll, as of September 28, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Berrien County |
| County Subdivision | Lincoln Charter Township |
| Unified School District | Lakeshore School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $141,200 (+4.44%) | $282,400 (+4.44%) | |
| 2025 | $2,067.00 (+3.82%) Homeowner's exemption | $135,200 (+30.75%) | $270,400 (+30.75%) |
| 2024 | $1,991.00 (+10.43%) | ||
| 2023 | $103,400 | $206,800 | |
| 2022 | $1,803.00 |
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.
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 | 2 in force |
| Nearby Flood Claims | 2 (2018) |
| Claims Outside the SFHA | 1 of 2 |
| Most Recent Claim | Jun 2018 · river or lake flooding |
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.
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.
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 |
| 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.
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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures