Berrien County property record for 548 Ridgeway St, Saint Joseph, MI 49085
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2.5 ba · 1,668 sqft · built 1981 |
| Lot Size | 0.28 acres (12,197 sqft) |
| Owner | Trust Name on File |
| Last Sale | $100 (Feb 1993) |
| Tax Bill | $10,224 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 76-0014-0040-00-1 |
| Primary APN | 76-0014-0040-00-1 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,668 sqft Living Area |
| 1st Floor Area | 1,668 sqft |
| Basement Area | 1,668 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1981 |
|---|---|
| Effective Year Built | Effective 1981 |
| Lot Area | 12,197 sqft (0.28 acres) |
| Lot Dimensions | 163 ft deep x 75 ft wide |
| Garage Area | 1,152 sqft |
| Parking Spaces | 4 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 548 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 | FROM E 1/4 PST SEC 14 T4S R19W RUN S89DEG24'W 120.6'TH N32DEG33'E 38.55'TH N37DEG 43'E 93.37'TO POB TH N37DEG 43'E 25.74'TH N35DEG E 49.29 FT TH N55DEG W 164'TH S35DEG W 75'TH S55DEG E 162.78'TO POB PER UNRE SUR C/865 |
| Legal Range | 19W |
| Legal Township | 04S |
| Legal Section | 14 |
| Jurisdiction | BERRIEN MI |
| Township / Civil Division | BENTON HARBOR |
| Census Block Group | 2 |
| Census Block | 2012 |
| Census Tract | 2500 |
548 Ridgeway St is owner-occupied and held in a trust since May 2003.
Source: Berrien County records, as of September 28, 2026
| Owner of Record | Trust Name on File |
|---|---|
| Mailing Address | 548 RIDGEWAY ST, SAINT JOSEPH, MI 49085-1033 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 3, 1993 · Amount on File |
| Deed Sale | Feb 3, 1993 · Amount on File |
| Prior Sale | Nov 3, 1988 · Amount on File |
| Deed Book / Page | 1558 / 33 |
| Last Transfer Date | May 9, 2003 |
| Transfer Doc | 2384002049 |
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 548 Ridgeway St was $10,224 with a homeowner's exemption.
Source: Berrien County assessment roll, as of September 28, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Berrien County |
| Municipality | Benton Harbor City |
| Unified School District | Benton Harbor Area Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $457,500 | $915,000 | |
| 2025 | $10,224.00 | ||
| 2023 | $382,100 | $764,200 | |
| 2022 | $7,753.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 548 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 |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 6 (1980–2019) |
| Claims Outside the SFHA | 6 of 6 |
| Most Recent Claim | Sep 2019 · other causes |
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 548 Ridgeway St is low, with 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 80% of the US · above 51% of Michigan |
|---|---|
| Wildfire Likelihood | 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 |
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