Berrien County property record for 518 Wayne St, Saint Joseph, MI 49085
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,367 sqft · built 1915 |
| Lot Size | 0.1 acres (4,356 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $235,000 (Nov 2022) |
| Tax Bill | $4,571 (2025) |
| Deeds & Mortgages | Nov 2022 Sale & Mortgage Aug 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 76-0340-0422-00-9 |
| Primary APN | 76-0340-0422-00-9 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 2 Stories |
| Building Area | 1,367 sqft Living Area |
| 1st Floor Area | 672 sqft |
| Basement Area | 672 sqft |
| Year Built | Built 1915 |
|---|---|
| Effective Year Built | Effective 1915 |
| Lot Area | 4,356 sqft (0.1 acres) |
| Lot Dimensions | 66 ft deep x 66 ft wide |
| Garage Area | 292 sqft |
| Parking Spaces | 1 Parking Space |
| Heating System | Hot Water |
|---|
| Street Address | 518 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 | THE SELY 1/2 OF LOT 422 ORIGINAL PLAT OF CITY OF ST JOSEPH WHOSE NWLY BDY IS PAR TO SELY BDY OF SD LOT 422 |
| Legal Subdivision | NEWBERRYPORT |
| Legal Lot Number | 422 |
| Jurisdiction | BERRIEN MI |
| Township / Civil Division | ST. JOSEPH |
| Census Block Group | 1 |
| Census Block | 1033 |
| Census Tract | 802 |
Source: Berrien County records, as of September 28, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 518 WAYNE ST, SAINT JOSEPH, MI 49085-1372 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 2, 2022 | Warranty Deed, Transfer · Conventional Mortgage MORTGAGE RESEARCH CENTER LLC |
| Aug 15, 2019 | Warranty Deed, Transfer · Conventional Mortgage HORIZON BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 2, 2022 · Amount on Record |
| Deed Sale | Nov 2, 2022 · Amount on Record |
| Prior Sale | Aug 15, 2019 · Amount on Record |
| Deed Document Number | 2022366163 |
| Deed Book / Page | 3390 / 2323 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BERRIEN MI |
| Recording Date | Nov 2, 2022 |
| Property Address | 518 WAYNE ST, SAINT JOSEPH, MI 49085-1372 |
| Document Number | 03390/2323 |
| Book / Page | 3390 / 2323 |
| Map Reference | LB E PG 564 |
| Instrument Date | Oct 17, 2022 |
| Instrument | 2022366163 |
| Transaction Type | Transfer |
| Record Updated | Nov 9, 2023 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,762.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 518 WAYNE ST, SAINT JOSEPH, MI 49085-1372 |
| Document Number | 0033902325 |
|---|---|
| Date | Nov 2, 2022 |
| Instrument | 3390-2325 |
| Name | MORTGAGE RESEARCH CENTER LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BERRIEN MI |
| Recording Date | Aug 15, 2019 |
| Property Address | 518 WAYNE ST, SAINT JOSEPH, MI 49085-1372 |
| Document Number | 03246/1240 |
| Book / Page | 3246 / 1240 |
| Map Reference | LB E PG 564 |
| Instrument Date | Aug 9, 2019 |
| Transaction Type | Transfer |
| Record Updated | Nov 9, 2023 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,548.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 518 WAYNE ST, SAINT JOSEPH, MI 49085-1372 |
| Document Number | 03246/1241 |
|---|---|
| Date | Aug 15, 2019 |
| Book Page | 3246/1241 |
| Name | HORIZON BANK |
|---|---|
| Type | Bank |
| Address | MICHIGAN CITY, IN 46360 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2049 |
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 | $127,700 (+21.39%) | $255,400 (+21.39%) | |
| 2025 | $4,571.00 (-6.5%) | ||
| 2023 | $105,200 | $210,400 | |
| 2022 | $4,889.00 |
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 |
|---|---|
| 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.
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.
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 |
| 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.
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 |
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