6048 Territorial Rd, Benton Harbor, MI 49022 Property Records

Berrien County property record for 6048 Territorial Rd, Benton Harbor, MI 49022

Property Summary

Property Type	Manufactured or Modular Home
Details	3 ba · 1,800 sqft · built 2017
Lot Size	5 acres (217,800 sqft)
Owner	Individual Name on File
Last Sale	$40,000 (Aug 2015)
Tax Bill	$2,709 (2025)
Deeds & Mortgages	Jan 2017 Construction Loan May 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`01-0020-0003-10-0`

Property Details

APN / Parcel Number

Primary APN	`01-0020-0003-10-0`
Alternative APN	`11-01-0020-0003-10-0`

Interior

Full Baths	3 Baths
Building Area	1,800 sqft Living Area
1st Floor Area	1,800 sqft
Basement Area	1,800 sqft
Unfinished Basement	1,800 sqft

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Architectural Style	Modular
Lot Area	217,800 sqft (5 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	6048 TERRITORIAL RD
City	BENTON HARBOR
State	MI
Zip	49022-9450
Property Category	Residential
Property Type	Residential > Prefabricated > Manufactured or Modular Home
Local Zoning Code	AG
Legal Description	SPLIT ON / / FROM 01-0020-0003-06-3, 01-0020-0003-07-1, 01-0020-0003-08-0; BEG 503.00? S00DEG02?56?W OF THE N1/4 COR SEC 20 T4S R17W TH S00DEG02?56?W 740.58? TH N89DEG07?47?W 268.11? TH N02DEG11?48?E 258.34? TH N24DEG07?37?W 84.87? TH N06DEG35?53?W 4
Legal Range	17W
Legal Township	04S
Legal Section	20
Jurisdiction	BERRIEN MI
Township / Civil Division	BAINBRIDGE
Census Block Group	3
Census Block	3004
Census Tract	10400

Owner

6048 Territorial Rd, a residential property, is owned and occupied by an individual who acquired it in July 2025.

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

Owner of Record	Individual Name on File
Mailing Address	6048 TERRITORIAL RD, BENTON HARBOR, MI 49022-9450
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
Jan 6, 2017	Deed of Trust, Mortgage · Construction Mortgage AMERICAN FINANCIAL RESOURCES INC
May 14, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage HONOR CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 28, 2015 · Amount on File
Deed Sale	Aug 28, 2015 · Amount on File
Deed Book / Page	3113 / 1091
Last Transfer Date	Jul 31, 2025
Transfer Doc	03456/3535
Record Updated	Oct 29, 2026

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	6048 TERRITORIAL RD, BENTON HARBOR, MI 49022-9450
Transaction Type	Mortgage
Record Updated	Nov 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	03160/0125
Date	Jan 6, 2017
Book Page	3160/0125

Lender

Name	AMERICAN FINANCIAL RESOURCES INC
Type	Funding / Finance Company
Address	PARSIPPANY, NJ 07054

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	364 Months
Due	May 1, 2047

May 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BERRIEN MI
Recording Date	May 14, 2021
Property Address	6048 TERRITORIAL RD, BENTON HARBOR, MI 49022-9450
Document Number	03327/1814
Book / Page	3327 / 1814
Instrument Date	May 3, 2021
Transaction Type	Transfer
Record Updated	Nov 9, 2023
Title Company	CHICAGO TITLE/MI, CHICAGO TITLE OF MI INC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6048 TERRITORIAL RD, BENTON HARBOR, MI 49022-9450

Mortgage

Document Number	0033271790
Date	May 14, 2021
Instrument	3327/1790

Lender

Name	HONOR CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Jun 1, 2041

Tax Assessment & Valuation

The 2025 property tax bill for 6048 Territorial Rd was $2,709 with a homeowner's exemption, up 3.2% 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	Coloma Community Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$180,400 (+5.74%)	$360,800 (+5.74%)
2025	$2,709.00 (+3.24%) Homeowner's exemption	$170,600	$341,200
2024	$2,624.00
2023		$144,600	$289,200
2022	$2,492.00

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

Flood

FEMA maps place 6048 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 6048 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 95% of the US · lower than 89% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 15 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Midwest Energy & Communications Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Mercury Fiber, Supernet.

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