Berrien County property record for 532 Ridgeway St, Saint Joseph, MI 49085
| Property Type | Single Family Home |
|---|---|
| Details | 6.5 ba · 6,037 sqft · built 2018 |
| Lot Size | 1.78 acres (77,537 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $65,285 (2025) |
| Deeds & Mortgages | Nov 2017 Line of Credit Jul 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 76-0014-0039-01-0 |
| Primary APN | 76-0014-0039-01-0 |
|---|---|
| Alternative APN |
|
| Full Baths | 6.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 6,037 sqft Living Area |
| 1st Floor Area | 2,777 sqft |
| Basement Area | 2,360 sqft |
| Year Built | Built 2018 |
|---|---|
| Effective Year Built | Effective 2018 |
| Lot Area | 77,537 sqft (1.78 acres) |
| Lot Dimensions | 500 ft deep x 125 ft wide |
| Garage Area | 1,427 sqft |
| Parking Spaces | 5 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 532 RIDGEWAY ST |
|---|---|
| City | SAINT JOSEPH |
| State | MI |
| Zip | 49085-1033 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 - A |
| Legal Description | SPLIT/COMBINED ON 01/29/2015 FROM 76-0014-0039-00-2; COM 120.6' S89DEG24'W OF E1/4 PST SEC 14 T4S R19W TH N32 DEG33'E 19.6' TH N60DEG5'W 119.98' TH N83DEG35'W 45.59' TH N57DEG19'W 492.47 TO MEANDER PNT S42DEG33'41W ON A MEANDER LN 115.75' TO MEANDER |
| Legal Range | 19W |
| Legal Township | 04S |
| Legal Section | 14 |
| Jurisdiction | BERRIEN MI |
| Township / Civil Division | ST. JOSEPH |
| Census Block Group | 1 |
| Census Block | 1014 |
| Census Tract | 801 |
532 Ridgeway St is owned and occupied by an individual.
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 | 532 RIDGEWAY ST, SAINT JOSEPH, MI 49085-1033 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 27, 2017 | Deed of Trust, Mortgage · Line of Credit UNITED FCU |
| Jul 21, 2020 | Deed of Trust, Mortgage · Conventional Mortgage UNITED FCU |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERRIEN MI |
| Property Address | 532 RIDGEWAY ST, SAINT JOSEPH, MI 49085-1033 |
| Transaction Type | Mortgage |
| Record Updated | Nov 9, 2023 |
| Name | Verified Name |
|---|
| Document Number | 03190/1971 |
|---|---|
| Date | Nov 27, 2017 |
| Book Page | 3190/1971 |
| Instrument | 3190-1971 |
| Name | UNITED FCU |
|---|---|
| Type | Credit Union |
| Address | SAINT JOSEPH, MI 49085 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Nov 25, 2027 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERRIEN MI |
| Property Address | 532 RIDGEWAY ST, SAINT JOSEPH, MI 49085-1033 |
| Transaction Type | Mortgage |
| Record Updated | Nov 9, 2023 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|
| Document Number | 003283/802 |
|---|---|
| Date | Jul 21, 2020 |
| Book Page | 3283/802 |
| Name | UNITED FCU |
|---|---|
| Type | Credit Union |
| Address | WEST FORKS, ME 04985 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2050 |
The 2025 property tax bill for 532 Ridgeway St was $65,285 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 | $1,629,800 | $3,259,600 | |
| 2025 | $65,285.00 | ||
| 2023 | $1,788,400 | $3,576,800 | |
| 2022 | $58,371.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 532 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 VE, 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 532 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 97% of the US · lower than 93% 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 97 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
5G (outdoors only) and 4G LTE
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