640 S Washington St, Constantine, MI 49042 Property Records

St. Joseph County property record for 640 S Washington St, Constantine, MI 49042

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 2,880 sqft · built 1900
Lot Size	0.5 acres (21,780 sqft)
Owner	2 Individual Names on Record
Last Sale	$200,000 (Mar 2026)
Tax Bill	$6,105 (2025)
Deeds & Mortgages	Aug 2025 Construction Loan Aug 2008 Line of Credit + 4 more
Flood Zone	Zone X (minimal risk)
APN	`043-110-015-01`

Property Details

APN / Parcel Number

Primary APN	`043-110-015-01`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Building Area	2,880 sqft Building Perimeter
1st Floor Area	1,440 sqft
Basement Area	1,440 sqft
Unfinished Basement	1,440 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Lot Area	21,780 sqft (0.5 acres)
Lot Dimensions	173 ft deep x 125 ft wide
Garage Area	684 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	640 S WASHINGTON ST
City	CONSTANTINE
State	MI
Zip	49042-1326
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 1 2 & 3 BLK 28 HOUSE & ULLMAN ADDITION VILLAGE OF CONSTANTINE.
Legal Subdivision	HOUSE & ULLMAN ADDITION
Legal Block	28
Legal Lot Number	1
Jurisdiction	ST JOSEPH MI
Township / Civil Division	CONSTANTINE
Census Block Group	3
Census Block	3042
Census Tract	41101

Owner

Source: St. Joseph County records, as of July 24, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	4375 BALSAM FIR LN, 19C, ELKHART, IN 46517-8222
Owner Type	Individual
Vesting	Unmarried Woman

Deeds, Mortgages & Sale History

Date	Document
Aug 12, 2025	Deed of Trust, Mortgage · Construction Mortgage KIAVI FUNDING INC
Aug 18, 2008	Deed of Trust, Mortgage · Line of Credit STURGIS BANK & TRUST CO
Mar 9, 2026	Warranty Deed, Transfer · FHA Mortgage CROSSCOUNTRY MORTGAGE LLC
Apr 30, 2021	Warranty Deed, Transfer · Conventional Mortgage AMERIFIRST FINANCIAL CORP
Jul 7, 2014	Warranty Deed, Transfer · FHA Mortgage AMERIFIRST FINANCIAL CORP
Jun 19, 2007	Warranty Deed, Transfer · Line of Credit STURGIS BANK & TRUST CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 9, 2026 · Amount on Record
Deed Sale	Mar 9, 2026 · Amount on Record
Prior Sale	Jan 30, 2025 · Amount on Record
Deed Document Number	20261694
Prior Transfer Date	Jan 24, 2025
Prior Transfer Doc	2025000658
Record Updated	Oct 29, 2026

August 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH MI
Property Address	640 S WASHINGTON ST, CONSTANTINE, MI 49042-1326
Transaction Type	Mortgage
Record Updated	Mar 20, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 81, SAINT JOSEPH, MI 49085-0081

Mortgage

Document Number	2025006246
Date	Aug 12, 2025
Instrument	2025006246

Lender

Name	KIAVI FUNDING INC
Type	Mortgage Company
Address	PITTSBURGH, PA 15212

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

August 2008: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH MI
Property Address	640 S WASHINGTON ST, CONSTANTINE, MI 49042-1326
Transaction Type	Mortgage
Record Updated	Mar 20, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01497/0573
Date	Aug 18, 2008
Book Page	1497/0573

Lender

Name	STURGIS BANK & TRUST CO
Type	Bank
Address	STURGIS, MI 49091

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Change Frequency	Monthly

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOSEPH MI
Recording Date	Mar 9, 2026
Property Address	640 S WASHINGTON ST, CONSTANTINE, MI 49042-1326
Document Number	2026001694
Map Reference	LB C SL 270A
Instrument Date	Mar 4, 2026
Instrument	2026001694
Transaction Type	Transfer
Record Updated	Mar 20, 2026
Title Company	CHICAGO TITLE OF MI INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,500.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 61, SAINT JOSEPH, MI 49085-0061

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	640 S WASHINGTON ST, CONSTANTINE, MI 49042-1326

Mortgage

Document Number	2026001695
Date	Mar 9, 2026
Instrument	2026001695

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

Mortgage

Document Number	2026001696
Date	Mar 9, 2026
Instrument	2026001696

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company
Address	CLEVELAND, OH 44114

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOSEPH MI
Recording Date	Apr 30, 2021
Property Address	640 S WASHINGTON ST, CONSTANTINE, MI 49042-1326
Document Number	2021004789
Map Reference	LB C PG 259
Instrument Date	Apr 27, 2021
Instrument	2021004789
Transaction Type	Transfer
Record Updated	May 20, 2021
Title Company	ATA NATIONAL TITLE GROUP LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,267.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	640 S WASHINGTON ST, 640, CONSTANTINE, MI 49042-1326

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	465 W MAIN ST, CENTREVILLE, MI 49032-9531

Mortgage

Date	Apr 30, 2021

Lender

Name	AMERIFIRST FINANCIAL CORP
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

July 2014: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOSEPH MI
Recording Date	Jul 7, 2014
Property Address	640 S WASHINGTON ST, CONSTANTINE, MI 49042-1326
Document Number	1750/0088
Book / Page	1750 / 0088
Instrument Date	Jun 30, 2014
Transaction Type	Transfer
Record Updated	Jul 22, 2021
Title Company	DBA PPR TITLE AGENCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$976.10
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	640 S WASHINGTON ST, 640, CONSTANTINE, MI 49042-1326

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	640 S WASHINGTON ST, CONSTANTINE, MI 49042-1326

Mortgage

Document Number	01750/0091
Date	Jul 7, 2014
Book Page	1750/0091

Lender

Name	AMERIFIRST FINANCIAL CORP
Type	Funding / Finance Company
Address	PORTAGE, MI 49002

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2044

June 2007: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOSEPH MI
Recording Date	Jun 19, 2007
Property Address	640 S WASHINGTON ST, CONSTANTINE, MI 49042-1326
Document Number	1441/0463
Book / Page	1441 / 0463
Instrument Date	Jun 5, 2007
Transaction Type	Transfer
Record Updated	Jul 22, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$731.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	12514 QUAKER ST, 12514, CONSTANTINE, MI 49042-9619

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	640 S WASHINGTON ST, CONSTANTINE, MI 49042-1326
Mail Care Of	W BRAND

Mortgage

Document Number	14410457
Date	Jun 19, 2007
Instrument	1441/0457

Lender

Name	STURGIS BANK & TRUST CO
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Change Frequency	Monthly

Mortgage

Document Number	01441/0464
Date	Jun 19, 2007
Book Page	1441/0464

Lender

Name	OAK MORTGAGE LLC
Type	Mortgage Company
Address	STURGIS, MI 49091

Agreement

Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2037

Tax Assessment & Valuation

Source: St. Joseph County assessment roll, as of July 24, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	St. Joseph County
County Subdivision	Constantine Township
Municipality	Constantine Village
Unified School District	Constantine Public School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$115,400 (+13.47%) Land $14,300 Building $101,100	$230,800 (+13.47%) Land $28,600 Building $202,200
2025	$6,105.00 (+183.95%) Homeowner's exemption	$101,700 Land $12,200 Building $89,500	$203,400 Land $24,400 Building $179,000
2024	$2,150.00

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

Flood

Source: FEMA National Flood Hazard Layer, effective June 4, 2010 · 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	6 in force
Nearby Flood Claims	2 (2018)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Feb 2018 · other causes

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.

Wildfire

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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CONSTANTINE serves 2,075 people · EPA ID MI0001600
Water Source	Groundwater
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	3 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 183 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Surf Internet Fiber	8,000 / 8,000
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20
Mercury Fiber Fixed Wireless	150 / 20

May also be available: T-Mobile.

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