5530 Territorial Rd, Benton Harbor, MI 49022 Property Records

Berrien County property record for 5530 Territorial Rd, Benton Harbor, MI 49022

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,232 sqft · built 1970
Lot Size	5.43 acres (236,531 sqft)
Owner	Individual Name on File
Last Sale	$320,000 (May 2024)
Tax Bill	$2,603 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Aug 2022 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`01-0018-0010-04-1`

Property Details

APN / Parcel Number

Primary APN	`01-0018-0010-04-1`
Alternative APN	`11-01-0018-0010-04-1`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,232 sqft Living Area
1st Floor Area	1,232 sqft
Basement Area	1,232 sqft
Unfinished Basement	1,232 sqft

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Lot Area	236,531 sqft (5.43 acres)
Garage Area	1,288 sqft
Parking Spaces	5 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	5530 TERRITORIAL RD
City	BENTON HARBOR
State	MI
Zip	49022-9446
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AG
Legal Description	COM 1121.41' W OF SE COR SEC 18 T4S R17W TH W 209.92' TH N01DEG13'47''W 1100.35' TO C/L RD TH S74DEG43'44''E ON C/L 242.2' TH S00DEG00'22''W 1036.39' TO POB
Legal Range	17W
Legal Township	04S
Legal Section	18
Legal Subdivision	U S 33 MICHIGAN BEACH NO 2
Legal Lot Number	242
Jurisdiction	BERRIEN MI
Township / Civil Division	BAINBRIDGE
Census Block Group	3
Census Block	3006
Census Tract	10400

Owner

5530 Territorial Rd is owned and occupied by an individual who bought it in May 2024.

Source: Berrien County records, as of September 28, 2026

Owner of Record	Individual Name on File
Mailing Address	5530 TERRITORIAL RD, BENTON HARBOR, MI 49022-9446
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.

Deeds, Mortgages & Sale History

Date	Document
Oct 7, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED FCU
Aug 2, 2022	Deed of Trust, Mortgage · Line of Credit HONOR CU
Apr 22, 2021	Warranty Deed, Transfer · FHA Mortgage UNITED FCU
Nov 10, 2020	Warranty Deed, Transfer
Nov 10, 2020	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 20, 2024 · Amount on File
Deed Sale	May 20, 2024 · Amount on File
Prior Sale	Apr 22, 2021 · Amount on File
Deed Document Number	2024406216
Deed Book / Page	3426 / 2687
Prior Transfer Date	Oct 8, 2009
Prior Transfer Doc	02900/1782
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	5530 TERRITORIAL RD, BENTON HARBOR, MI 49022-9446
Transaction Type	Mortgage
Record Updated	Nov 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5530 TERRITORIAL RD, BENTON HARBOR, MI 49022-9446
Investor	Possibly a Property Investor

Mortgage

Document Number	03347/2883
Date	Oct 7, 2021
Book Page	3347/2883

Lender

Name	UNITED FCU
Type	Credit Union
Address	SAINT JOSEPH, MI 49085

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2051

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	5530 TERRITORIAL RD, BENTON HARBOR, MI 49022-9446
Transaction Type	Mortgage
Record Updated	Nov 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5530 TERRITORIAL RD, BENTON HARBOR, MI 49022-9446
Investor	Possibly a Property Investor

Mortgage

Document Number	03381/2039
Date	Aug 2, 2022
Book Page	3381/2039
Instrument	2022359116

Lender

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

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Aug 12, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BERRIEN MI
Recording Date	Apr 22, 2021
Property Address	5530 TERRITORIAL RD, BENTON HARBOR, MI 49022-9446
Document Number	003324/424
Book / Page	3324 / 424
Instrument Date	Apr 14, 2021
Transaction Type	Transfer
Record Updated	Nov 9, 2023
Title Company	CHICAGO TITLE MERIDIAN, CHICAGO TITLE OF MICHIGAN

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,304.80
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2643 1204TH, ALLEGAN, MI 49010

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2351 W WILSON AVE APT 101, 101, CHICAGO, IL 60625-2124
Investor	Possibly a Property Investor

Mortgage

Document Number	0003324426
Date	Apr 22, 2021
Instrument	3324/426

Lender

Name	UNITED FCU
Type	Credit Union

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2051

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BERRIEN MI
Recording Date	Nov 10, 2020
Property Address	5530 TERRITORIAL RD, BENTON HARBOR, MI 49022-9446
Document Number	03299/2386
Book / Page	3299 / 2386
Instrument Date	Oct 13, 2020
Transaction Type	Transfer
Record Updated	Nov 9, 2023

Transaction

Amount	Amount on Record
Tax	$430.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2643 120TH AVE, ALLEGAN, MI 49010-9521
Investor	Possibly a Property Investor

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BERRIEN MI
Recording Date	Nov 10, 2020
Property Address	5530 TERRITORIAL RD, BENTON HARBOR, MI 49022-9446
Document Number	03299/2389
Book / Page	3299 / 2389
Instrument Date	Oct 13, 2020
Transaction Type	Transfer
Record Updated	Nov 9, 2023

Transaction

Amount	Amount on Record
Tax	$602.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3068 MILL CREEK DR # DR3, DR3, KALAMAZOO, MI 49009-8602

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2643 120TH AVE, ALLEGAN, MI 49010-9521
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 5530 Territorial Rd was $2,603 with a homeowner's exemption, up 20.3% from the year before.

Source: Berrien County assessment roll, as of September 28, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$131,300 (+4.62%)	$262,600 (+4.62%)
2025	$2,603.00 (+20.29%) Homeowner's exemption	$125,500	$251,000
2024	$2,164.00
2023		$104,800	$209,600
2022	$1,939.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 5530 Territorial Rd 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

Wildfire risk around 5530 Territorial Rd 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 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 22 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
Supernet Cable	100 / 25

May also be available: Mercury Fiber, Midwest Energy & Communications, Xfinity.

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