Berrien County property record for 582 E Napier Ave, Benton Harbor, MI 49022
| Property Type | Retail Stores (Personal Services, Photography, Travel) |
|---|---|
| Details | 4,000 sqft · built 2005 |
| Lot Size | 0.45 acres (19,602 sqft) |
| Owner | Company Name on Record |
| Tax Bill | $8,898 (2025) |
| Deeds & Mortgages | Jan 2021 Line of Credit Jan 2021 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-0031-0034-08-0 |
| Primary APN | 03-0031-0034-08-0 |
|---|---|
| Alternative APN |
|
| Stories | 1 Story |
|---|---|
| Building Area | 4,000 sqft Total Area |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Fire Resistance | Special |
| Lot Area | 19,602 sqft (0.45 acres) |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 582 E NAPIER AVE |
|---|---|
| City | BENTON HARBOR |
| State | MI |
| Zip | 49022-5816 |
| Property Category | Commercial |
| Property Type | Commercial > Retail > Retail Stores (Personal Services, Photography, Travel) |
| Legal Description | SPLIT/COMBINED ON 11/04/2020 FROM 03-0031-0034-06-1, 03-0031-0035-06-7; BEG 653.46' E OF N1/4 PST SEC 31 T4S R18W TH E 75.71' TH S00DEG43'57E 250' TH E 100' TH S00DEG53'57"E 100' TH W 175.71' TH N00DEG43'57"W 350' TO POB EXC COM AT N1/4 COR OF SD SEC |
| Legal Range | 18W |
| Legal Township | 04S |
| Legal Section | 31 |
| Jurisdiction | BERRIEN MI |
| Township / Civil Division | BENTON |
| Census Block Group | 3 |
| Census Block | 3004 |
| Census Tract | 2000 |
Source: Berrien County records, as of September 28, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on Record |
|---|---|
| Mailing Address | 10709 KINGS LN, BERRIEN SPRINGS, MI 49103-9655 |
| Owner Type | Company |
| Vesting | Company |
| Date | Document |
|---|---|
| Jan 11, 2021 | Deed of Trust, Mortgage · Line of Credit STURGIS BANK & TRUST CO |
| Jan 11, 2021 | Deed of Trust, Mortgage · Line of Credit STURGIS BANK & TRUST CO |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERRIEN MI |
| Property Address | 582 E NAPIER AVE, BENTON HARBOR, MI 49022-5816 |
| Transaction Type | Mortgage |
| Record Updated | Nov 9, 2023 |
| Name | Verified Name |
|---|
| Document Number | 03308/1512 |
|---|---|
| Date | Jan 11, 2021 |
| Book Page | 3308/1512 |
| Name | STURGIS BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | STURGIS, MI 49091 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERRIEN MI |
| Property Address | 582 E NAPIER AVE, BENTON HARBOR, MI 49022-5816 |
| Transaction Type | Mortgage |
| Record Updated | Nov 9, 2023 |
| Title Company | OLD REPUBLIC TITLE, ORT |
| Name | Verified Name |
|---|
| Document Number | 03308/1527 |
|---|---|
| Date | Jan 11, 2021 |
| Book Page | 3308/1527 |
| Name | STURGIS BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | STURGIS, MI 49091 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
Source: Berrien County assessment roll, as of September 28, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Berrien County |
| County Subdivision | Benton Charter Township |
| Unified School District | Benton Harbor Area Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $248,500 (+8.18%) | $497,000 (+8.18%) | |
| 2025 | $8,898.00 (+14.96%) | ||
| 2023 | $229,700 | $459,400 | |
| 2022 | $7,740.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective September 10, 2024
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
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.
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 120 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
May also be available: AT&T, Mercury Fiber, T-Mobile, Verizon.
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