Berrien County property record for 609 Wayne St, Saint Joseph, MI 49085
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,496 sqft · built 1910 |
| Lot Size | 0.08 acres (3,485 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $320,000 (Jul 2026) |
| Tax Bill | $3,901 (2025) |
| Deeds & Mortgages | Jul 2026 Sale & Mortgage Nov 2007 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 76-1600-0004-00-8 |
| Primary APN | 76-1600-0004-00-8 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 1,496 sqft Living Area |
| 1st Floor Area | 956 sqft |
| Basement Area | 956 sqft |
| Year Built | Built 1910 |
|---|---|
| Effective Year Built | Effective 1910 |
| Lot Area | 3,485 sqft (0.08 acres) |
| Lot Dimensions | 100 ft deep x 35 ft wide |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 609 WAYNE ST |
|---|---|
| City | SAINT JOSEPH |
| State | MI |
| Zip | 49085-1357 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 - E |
| Legal Description | LOT 4 DOWNTOWN ADD TO CITY OF ST JOSEPH |
| Legal Subdivision | DOWNTOWN ADD |
| Legal Lot Number | 4 |
| Legal Unit | 4 |
| Jurisdiction | BERRIEN MI |
| Township / Civil Division | ST. JOSEPH |
| Census Block Group | 1 |
| Census Block | 1038 |
| Census Tract | 802 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 609 WAYNE ST, SAINT JOSEPH, MI 49085-1357 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Unmarried Man |
| Date | Document |
|---|---|
| Jul 15, 2026 | Warranty Deed, Transfer · Conventional Mortgage TRUST COMPANY |
| Nov 2, 2007 | Deed of Trust, Mortgage TAYLOR BEAN & WHITAKER MORTGAGE CORP |
| Apr 4, 2005 | Deed of Trust, Mortgage · Conventional Mortgage WILMINGTON FINANCE INC |
| Feb 9, 2026 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 15, 2026 · Amount on Record |
| Deed Sale | Jul 15, 2026 · Amount on Record |
| Prior Sale | Feb 13, 2004 · Amount on Record |
| Deed Document Number | 2026465762 |
| Deed Book / Page | 3482 / 2017 |
| Prior Transfer Date | Feb 4, 2026 |
| Prior Transfer Doc | 03469/3904 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BERRIEN MI |
| Recording Date | Jul 15, 2026 |
| Property Address | 609 WAYNE ST, SAINT JOSEPH, MI 49085-1357 |
| Document Number | 0000465762 |
| Book / Page | 3482 / 2017 |
| Instrument Date | Jul 13, 2026 |
| Instrument | 2026465762 |
| Transaction Type | Transfer |
| Record Updated | Aug 3, 2026 |
| Title Company | CHICAGO TITLE W, CHICAGO TITLE OF MICHIGAN |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $242,400.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 609 WAYNE ST, SAINT JOSEPH, MI 49085-1357 |
| Document Number | 0000465763, |
|---|---|
| Date | Jul 15, 2026 |
| Book Page | 3482/2020 |
| Instrument | 2026465763 |
| Name | TRUST COMPANY |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.48% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERRIEN MI |
| Property Address | 609 WAYNE ST, SAINT JOSEPH, MI 49085-1357 |
| Transaction Type | Mortgage |
| Record Updated | Mar 6, 2026 |
| Title Company | METROPLITAN TITLE, METROPOLITAN TITLE |
| Name | Verified Name |
|---|
| Document Number | 02817/0758 |
|---|---|
| Date | Nov 2, 2007 |
| Book Page | 2817/0758 |
| Name | TAYLOR BEAN & WHITAKER MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | OCALA, FL 34475 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Nov 1, 2037 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERRIEN MI |
| Property Address | 609 WAYNE ST, SAINT JOSEPH, MI 49085-1357 |
| Transaction Type | Mortgage |
| Record Updated | Mar 6, 2026 |
| Name | Verified Name |
|---|
| Document Number | 02599/0139 |
|---|---|
| Date | Apr 4, 2005 |
| Book Page | 2599/0139 |
| Name | WILMINGTON FINANCE INC |
|---|---|
| Type | Funding / Finance Company |
| Address | PLYMOUTH MEETING, PA 19462 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 1, 2035 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 7.5% |
| Adjustable | Adjustable Rate Rider |
| Change Frequency | 6 Months |
| Index | LIBOR |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | BERRIEN MI |
| Recording Date | Feb 9, 2026 |
| Property Address | 609 WAYNE ST, SAINT JOSEPH, MI 49085-1357 |
| Document Number | 03469/3904 |
| Book / Page | 3469 / 3904 |
| Instrument Date | Feb 4, 2026 |
| Instrument | 2026451450 |
| Transaction Type | Transfer |
| Record Updated | Mar 6, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2797 W JOHN BEERS RD, STEVENSVILLE, MI 49127-1275 |
| Name | Verified Name |
|---|---|
| Address | 5221 E BRITAIN AVE, BENTON HARBOR, MI 49022-9768 |
Source: Berrien County assessment roll, as of September 28, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Berrien County |
| Municipality | St. Joseph City |
| Unified School District | St. Joseph Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $111,700 (-4.61%) | $223,400 (-4.61%) | |
| 2025 | $3,901.00 (+2.63%) | $117,100 (+24.05%) | $234,200 (+24.05%) |
| 2024 | $3,801.00 (+9.57%) | ||
| 2023 | $94,400 | $188,800 | |
| 2022 | $3,469.00 |
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 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 2 in force |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within 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 | ST JOSEPH serves 7,930 people · EPA ID MI0006310 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jun 2025 |
| Lead | 4 ppb (2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| 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 702 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless · DSL · Fiber in parts of the area | 100 / 20 |
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