540 E Delaware Ave, Benton Harbor, MI 49022 Property Records

Berrien County property record for 540 E Delaware Ave, Benton Harbor, MI 49022

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,064 sqft · built 1957
Lot Size	0.182 acres (7,928 sqft)
Owner	Individual Name on Record
Last Sale	$90,000 (Sep 2015)
Tax Bill	$1,673 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Oct 2023 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`03-1580-0018-00-1`

Property Details

APN / Parcel Number

Primary APN	`03-1580-0018-00-1`
Alternative APN	`11-03-1580-0018-00-1`

Interior

Full Baths	1 Bath
Building Area	1,064 sqft Living Area
1st Floor Area	1,064 sqft
Basement Area	1,064 sqft
Unfinished Basement	1,064 sqft

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1957
Architectural Style	Raised Ranch
Lot Area	7,928 sqft (0.182 acres)
Lot Dimensions	132 ft deep x 60 ft wide
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	540 E DELAWARE AVE
City	BENTON HARBOR
State	MI
Zip	49022-6302
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A2 SING FA
Legal Description	LOT 18 DELRAY PARK
Legal Subdivision	DELRAY PARK
Legal Lot Number	18
Legal Unit	18
Jurisdiction	BERRIEN MI
Township / Civil Division	BENTON
Census Block Group	3
Census Block	3021
Census Tract	2000

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	Individual Name on Record
Mailing Address	540 E DELAWARE AVE, BENTON HARBOR, MI 49022-6302
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 9, 2021	Deed of Trust, Mortgage · Conventional Mortgage HONOR CU
Oct 12, 2023	Deed of Trust, Mortgage · Line of Credit HONOR CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 15, 2015 · Amount on Record
Deed Sale	Sep 15, 2015 · Amount on Record
Prior Sale	Aug 8, 1992
Deed Book / Page	3114 / 2412
Record Updated	Sep 20, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	540 E DELAWARE AVE, BENTON HARBOR, MI 49022-6302
Transaction Type	Mortgage
Record Updated	Nov 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	03316/3480
Date	Mar 9, 2021
Book Page	3316/3480

Lender

Name	HONOR CU
Type	Credit Union
Address	BERRIEN SPRINGS, MI 49103

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Apr 1, 2041

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	540 E DELAWARE AVE, BENTON HARBOR, MI 49022-6302
Transaction Type	Mortgage
Record Updated	Nov 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	540 E DELAWARE AVE, BENTON HARBOR, MI 49022-6302

Mortgage

Document Number	03413/4102
Date	Oct 12, 2023
Book Page	3413/4102
Instrument	2023390880

Lender

Name	HONOR CU
Type	Credit Union
Address	BERRIEN SPRINGS, MI 49103

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Oct 12, 2043

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Michigan
County	Berrien County
County Subdivision	Benton Charter Township
Unified School District	Benton Harbor Area Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$79,100 (+17.53%)	$158,200 (+17.53%)
2025	$1,673.00 (+13.96%)
2023		$67,300	$134,600
2022	$1,468.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective September 10, 2024

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 254 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20

May also be available: AT&T, T-Mobile.

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