Berrien County property record for 520 E Napier Ave, Benton Harbor, MI 49022
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 2,036 sqft · built 1954 |
| Lot Size | 1.3 acres (56,628 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $80,000 (Oct 1991) |
| Tax Bill | $2,621 (2025) |
| Deeds & Mortgages | Mar 2018 Line of Credit Dec 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-0031-0033-00-5 |
| Primary APN | 03-0031-0033-00-5 |
|---|---|
| Alternative APN |
|
| Full Baths | 1 Bath |
|---|---|
| Building Area | 2,036 sqft Living Area |
| 1st Floor Area | 2,036 sqft |
| Basement Area | 1,620 sqft |
| Unfinished Basement | 1,620 sqft |
| Year Built | Built 1954 |
|---|---|
| Effective Year Built | Effective 1954 |
| Architectural Style | Raised Ranch |
| Lot Area | 56,628 sqft (1.3 acres) |
| Garage Area | 624 sqft |
| Parking Spaces | 2 Parking Spaces |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 520 E NAPIER AVE |
|---|---|
| City | BENTON HARBOR |
| State | MI |
| Zip | 49022-5816 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SPEC US |
| Legal Description | COM 110'E OF N1/4 PST OF SEC 31 T4S R18W TH E 221.85'TH S 280'TH W 291.4'TH N20DEG30'W 21.35'TH E 77'TH N 260'TO POB EXC THE N 63' THEREOF FOR R/W PER 833/602 |
| Legal Range | 18W |
| Legal Township | 04S |
| Legal Section | 31 |
| Jurisdiction | BERRIEN MI |
| Township / Civil Division | BENTON |
| Census Block Group | 3 |
| Census Block | 3004 |
| Census Tract | 2000 |
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 | 520 E NAPIER AVE, BENTON HARBOR, MI 49022-5816 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 22, 2018 | Deed of Trust, Mortgage · Line of Credit UNITED FCU |
| Dec 18, 2019 | Deed of Trust, Mortgage CONSUMERS CU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 31, 1991 · Amount on Record |
| Deed Sale | Oct 31, 1991 · Amount on Record |
| Deed Book / Page | 1482 / 901 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERRIEN MI |
| Property Address | 520 E NAPIER AVE, BENTON HARBOR, MI 49022-5816 |
| Transaction Type | Mortgage |
| Record Updated | Nov 9, 2023 |
| Name | Verified Name |
|---|
| Document Number | 03200/3302 |
|---|---|
| Date | Mar 22, 2018 |
| Book Page | 3200/3302 |
| Name | UNITED FCU |
|---|---|
| Type | Credit Union |
| Address | SAINT JOSEPH, MI 49085 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Mar 25, 2028 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERRIEN MI |
| Property Address | 520 E NAPIER AVE, BENTON HARBOR, MI 49022-5816 |
| Transaction Type | Mortgage |
| Record Updated | Nov 9, 2023 |
| Name | Verified Name |
|---|
| Document Number | 03259/2869 |
|---|---|
| Date | Dec 18, 2019 |
| Book Page | 3259/2869 |
| Name | CONSUMERS CU |
|---|---|
| Type | Credit Union |
| Address | OSHTEMO, MI 49077 |
| Amount | Amount Recorded |
|---|---|
| Term | 180 Months |
| Due | Dec 13, 2034 |
Source: Berrien County assessment roll, as of September 28, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Berrien County |
| County Subdivision | Benton Charter Township |
| Unified School District | Benton Harbor Area Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $101,700 (+8.65%) | $203,400 (+8.65%) | |
| 2025 | $2,621.00 (+4.71%) | ||
| 2023 | $93,600 | $187,200 | |
| 2022 | $2,503.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective September 10, 2024
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 85% 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 | 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 120 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
May also be available: AT&T, Mercury Fiber, T-Mobile, Verizon.
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