Berrien County property record for 629 Joining Rd, Saint Joseph, MI 49085
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,612 sqft · built 1970 |
| Lot Size | 0.344 acres (14,985 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $305,000 (Apr 2025) |
| Tax Bill | $2,895 (2025) |
| Deeds & Mortgages | Jan 2024 Line of Credit Jun 2017 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 17-9300-0027-00-5 |
| Primary APN | 17-9300-0027-00-5 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 3 Stories |
| Building Area | 1,612 sqft Living Area |
| 1st Floor Area | 1,404 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1970 |
|---|---|
| Effective Year Built | Effective 1970 |
| Architectural Style | Tri-Level |
| Lot Area | 14,985 sqft (0.344 acres) |
| Lot Dimensions | 153 ft deep x 98 ft wide |
| Garage Area | 528 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 629 JOINING RD |
|---|---|
| City | SAINT JOSEPH |
| State | MI |
| Zip | 49085-9320 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 - LD |
| Legal Description | LOT 27 YELLOW CREEK |
| Legal Subdivision | YELLOW CREEK |
| Legal Lot Number | 27 |
| Legal Unit | 27 |
| Jurisdiction | BERRIEN MI |
| Township / Civil Division | ROYALTON |
| Census Block Group | 2 |
| Census Block | 2012 |
| Census Tract | 1800 |
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 | 629 JOINING RD, SAINT JOSEPH, MI 49085-9320 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 19, 2024 | Deed of Trust, Mortgage · Line of Credit LOANDEPOT.COM LLC |
| Jun 19, 2017 | Deed of Trust, Mortgage · Line of Credit HONOR CU |
| Oct 22, 2020 | Intrafamily Transfer, Transfer · Conventional Mortgage LOANDEPOT.COM LLC |
| Jun 23, 2017 | Warranty Deed, Transfer · Conventional Mortgage HORIZON BANK NA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 28, 2025 · Amount on Record |
| Deed Sale | Apr 28, 2025 · Amount on Record |
| Prior Sale | Jun 23, 2017 · Amount on Record |
| Deed Document Number | 2025431196 |
| Deed Book / Page | 3449 / 423 |
| Prior Transfer Date | Oct 22, 2020 |
| Prior Transfer Doc | 0000292230 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERRIEN MI |
| Property Address | 629 JOINING RD, SAINT JOSEPH, MI 49085-9320 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2024 |
| Name | Verified Name |
|---|---|
| Address | 629 JOINING RD, SAINT JOSEPH, MI 49085-9320 |
| Document Number | 03419/1479 |
|---|---|
| Date | Jan 19, 2024 |
| Book Page | 3419/1479 |
| Instrument | 2024396571 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Address | FLINT, MI 48501 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 4, 2054 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERRIEN MI |
| Property Address | 629 JOINING RD, SAINT JOSEPH, MI 49085-9320 |
| Transaction Type | Mortgage |
| Record Updated | Nov 9, 2023 |
| Name | Verified Name |
|---|
| Document Number | 03175/0305 |
|---|---|
| Date | Jun 19, 2017 |
| Book Page | 3175/0305 |
| Name | HONOR CU |
|---|---|
| Type | Credit Union |
| Address | BERRIEN SPRINGS, MI 49103 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Jun 12, 2037 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | BERRIEN MI |
| Recording Date | Oct 22, 2020 |
| Property Address | 629 JOINING RD, SAINT JOSEPH, MI 49085-9320 |
| Document Number | 03296/2687 |
| Book / Page | 3296 / 2687 |
| Map Reference | MB 19 PG 43 |
| Instrument Date | Jul 9, 2020 |
| Transaction Type | Transfer |
| Record Updated | Nov 9, 2023 |
| Title Company | SERVICELINK |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 629 JOINING RD, SAINT JOSEPH, MI 49085-9320 |
| Document Number | 0032962690 |
|---|---|
| Date | Oct 22, 2020 |
| Instrument | 3296/2690 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 358 Months |
| Due | Aug 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BERRIEN MI |
| Recording Date | Jun 23, 2017 |
| Property Address | 629 JOINING RD, SAINT JOSEPH, MI 49085-9320 |
| Document Number | 03175/2244 |
| Book / Page | 3175 / 2244 |
| Map Reference | LB19 PG43 |
| Instrument Date | Jun 14, 2017 |
| Transaction Type | Transfer |
| Record Updated | Nov 9, 2023 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,608.20 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4009 TUDOR DR, SAINT JOSEPH, MI 49085-9140 |
| Name | Verified Name |
|---|---|
| Address | 629 JOINING RD, SAINT JOSEPH, MI 49085-9320 |
| Document Number | 0031752245 |
|---|---|
| Date | Jun 23, 2017 |
| Instrument | 3175/2245 |
| Name | HORIZON BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2047 |
Source: Berrien County assessment roll, as of September 28, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Berrien County |
| County Subdivision | Royalton Township |
| Unified School District | St. Joseph Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $146,700 (+2.3%) | $293,400 (+2.3%) | |
| 2025 | $2,895.00 (+2.41%) Homeowner's exemption | $143,400 (+20.1%) | $286,800 (+20.1%) |
| 2024 | $2,827.00 (+7.53%) | ||
| 2023 | $119,400 | $238,800 | |
| 2022 | $2,629.00 |
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.
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 Claims | 1 (1979) |
| Most Recent Claim | Apr 1979 · tidal / storm surge |
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 | Low lower than 96% of the US · lower than 91% 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.
Source: FCC Broadband Data Collection, based on 150 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| Mercury Fiber Fixed Wireless | 150 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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