Berrien County property record for 541 Dell St, Saint Joseph, MI 49085
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,274 sqft · built 1978 |
| Lot Size | 0.263 acres (11,456 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $2,298 (2025) |
| Deeds & Mortgages | Jul 2026 Mortgage Sep 2018 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 18-7300-0014-00-4 |
| Primary APN | 18-7300-0014-00-4 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 1,274 sqft Living Area |
| 1st Floor Area | 1,274 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1978 |
|---|---|
| Effective Year Built | Effective 1978 |
| Architectural Style | Raised Ranch |
| Lot Area | 11,456 sqft (0.263 acres) |
| Lot Dimensions | 86.6 ft deep x 132 ft wide |
| Garage Area | 430 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 541 DELL ST |
|---|---|
| City | SAINT JOSEPH |
| State | MI |
| Zip | 49085-3810 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 - SINGL |
| Legal Description | LOT 14 SOUTHVIEW |
| Legal Subdivision | SOUTHVIEW |
| Legal Lot Number | 14 |
| Legal Unit | 14 |
| Jurisdiction | BERRIEN MI |
| Township / Civil Division | ST. JOSEPH |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 1100 |
541 Dell St is owned and occupied by two individuals who acquired it in September 2005.
Source: Berrien County records, as of September 28, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 541 DELL ST, SAINT JOSEPH, MI 49085-3810 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jul 27, 2026 | Deed of Trust, Mortgage · Conventional Mortgage UNLOCK PARTNERSHIP SOLUTIONS INC |
| Sep 4, 2018 | Deed of Trust, Mortgage MICHIGAN HOMEOWNER ASSISTANCE |
| Aug 23, 2023 | Deed of Trust, Mortgage · FHA Mortgage MICHIGAN MUTUAL INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 6, 2005 |
| Deed Sale | Sep 6, 2005 |
| Prior Sale | Jul 22, 1994 · Amount on File |
| Deed Book / Page | 2644 / 698 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERRIEN MI |
| Recording Date | Jul 27, 2026 |
| Property Address | 541 DELL ST, SAINT JOSEPH, MI 49085-3810 |
| Document Number | 0000466596 |
| Book / Page | 3483 / 1719 |
| Instrument Date | Jul 16, 2026 |
| Instrument | 2026466596 |
| Transaction Type | Mortgage |
| Record Updated | Aug 14, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 541 DELL ST, SAINT JOSEPH, MI 49085-3810 |
| Document Number | 0000466596, |
|---|---|
| Date | Jul 27, 2026 |
| Book Page | 3483/1719 |
| Instrument | 2026466596 |
| Name | UNLOCK PARTNERSHIP SOLUTIONS INC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Jul 15, 2036 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.47% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERRIEN MI |
| Property Address | 541 DELL ST, SAINT JOSEPH, MI 49085-3810 |
| Transaction Type | Mortgage |
| Record Updated | Nov 9, 2023 |
| Name | Verified Name |
|---|
| Document Number | 03215/3386 |
|---|---|
| Date | Sep 4, 2018 |
| Book Page | 3215/3386 |
| Name | MICHIGAN HOMEOWNER ASSISTANCE |
|---|---|
| Type | Non-Lending Institution |
| Address | LANSING, MI 48912 |
| Amount | Amount on Record |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERRIEN MI |
| Property Address | 541 DELL ST, SAINT JOSEPH, MI 49085-3810 |
| Transaction Type | Mortgage |
| Record Updated | Nov 9, 2023 |
| Name | Verified Name |
|---|---|
| Address | 541 DELL ST, SAINT JOSEPH, MI 49085-3810 |
| Document Number | 03410/2427 |
|---|---|
| Date | Aug 23, 2023 |
| Book Page | 3410/2427 |
| Instrument | 2023387415 |
| Name | MICHIGAN MUTUAL INC |
|---|---|
| Type | Mortgage Company |
| Address | PORT HURON, MI 48060 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2053 |
The 2025 property tax bill for 541 Dell St was $2,298 with a homeowner's exemption, up 2.8% from the year before.
Source: Berrien County assessment roll, as of September 28, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Berrien County |
| County Subdivision | St. Joseph Charter Township |
| Unified School District | St. Joseph Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $96,800 (-0.92%) | $193,600 (-0.92%) | |
| 2025 | $2,298.00 (+2.82%) Homeowner's exemption | $97,700 | $195,400 |
| 2024 | $2,235.00 | ||
| 2023 | $82,500 | $165,000 | |
| 2022 | $2,034.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 541 Dell St in Zone X, an area of minimal flood risk.
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 risk around 541 Dell 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 98% of the US · lower than 95% 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 | 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 139 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 |
| Mercury Fiber Fixed Wireless | 150 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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