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643 Joining Rd, Saint Joseph, MI 49085 Property Records

Berrien County property record for 643 Joining Rd, Saint Joseph, MI 49085 · Last verified June 2026

Property Summary

Property TypeSingle Family Home
Details4 bd · 1.5 ba · 1,926 sqft · built 1970
Lot Size0.344 acres (14,985 sqft)
OwnerIndividual Name on File
Last Sale$139,900 (Jun 2013)
Tax Bill$2,703 (2025)
Deeds & MortgagesJul 2019 Mortgage
Jan 2022 Mortgage
Flood ZoneZone X (minimal risk)
APN17-9300-0028-00-1

Property Details

APN / Parcel Number

Primary APN17-9300-0028-00-1
Alternative APN
  • 11-17-9300-0028-00-1

Interior

Bedrooms4 Beds
Full Baths1.5 Baths
Half Baths1 Half Bath
Building Area1,926 sqft Living Area
1st Floor Area1,300 sqft
Basement Area572 sqft
Unfinished Basement572 sqft

Exterior

Year BuiltBuilt 1970
Effective Year BuiltEffective 1970
Architectural StyleBi-Level
Lot Area14,985 sqft (0.344 acres)
Lot Dimensions153 ft deep x 98 ft wide

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C

Location & Zoning

Street Address643 JOINING RD
CitySAINT JOSEPH
StateMI
Zip49085-9320
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLOT 28 YELLOW CREEK
Legal SubdivisionYELLOW CREEK
Legal Lot Number28
Legal Unit28
JurisdictionBERRIEN MI
Township / Civil DivisionROYALTON
Census Block Group2
Census Block2012
Census Tract1800

Owner

Source: Berrien County records · APN 17-9300-0028-00-1

Assessment roll updated June 5, 2026 · Last verified June 2026

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

Owner of RecordIndividual Name on File
Mailing Address643 JOINING RD, SAINT JOSEPH, MI 49085-9320
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jul 05, 2019Deed of Trust, Mortgage · FHA Mortgage
PENNYMAC LOAN SERVICES LLC
Jan 19, 2022Deed of Trust, Mortgage · Conventional Mortgage
PENNYMAC LOAN SERVICES LLC

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleJun 25, 2013 · Amount on Record
Deed SaleJun 25, 2013 · Amount on Record
Prior SaleNov 27, 1998 · Amount on Record
Deed Book / Page3041 / 2890
Record UpdatedSep 20, 2026

July 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionBERRIEN MI
Property Address643 JOINING RD, SAINT JOSEPH, MI 49085-9320
Transaction TypeMortgage
Record UpdatedNov 09, 2023
Title CompanySERVICELINK

Transferred To (Grantee/Buyer)

NameVerified Name
InvestorPossibly a Property Investor

Mortgage

Document Number03242/2051
DateJul 05, 2019
Book Page3242/2051
Lender
NamePENNYMAC LOAN SERVICES LLC
TypeMortgage Company
AddressWESTLAKE VILLAGE, CA 91361
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueJul 01, 2049

January 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionBERRIEN MI
Property Address643 JOINING RD, SAINT JOSEPH, MI 49085-9320
Transaction TypeMortgage
Record UpdatedNov 09, 2023

Transferred To (Grantee/Buyer)

NameVerified Name
Address643 JOINING RD, SAINT JOSEPH, MI 49085-9320

Mortgage

Document Number03360/3327
DateJan 19, 2022
Book Page3360/3327
Instrument2022340909
Lender
NamePENNYMAC LOAN SERVICES LLC
TypeMortgage Company
AddressWESTLAKE VILLAGE, CA 91361
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueFeb 01, 2052

Tax Assessment & Valuation

Source: Berrien County records · Assessment roll updated June 5, 2026 · Last verified June 2026

Property Jurisdictions

TypeName
StateMichigan
CountyBerrien County
County SubdivisionRoyalton Township
Unified School DistrictSt. Joseph Public Schools (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2026$136,400 (+23.55%)$272,800 (+23.55%)
2025$2,703.00 (+9.97%)
2023$110,400$220,800
2022$2,458.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Berrien County (26021C), updated September 10, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 260210018002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearby Flood Claims1 (1979)
Most Recent ClaimApr 1979, tidal / storm surge

Wildfire

Wildfire RiskLow
above 6% of the US · above 15% of Michigan
Wildfire LikelihoodLess than 1 in 10,000 per year
ExposureDirect
burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 150 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
XfinityCable1,200 / 35
VerizonFixed Wireless300 / 20
Mercury BroadbandFixed Wireless (licensed-by-rule)150 / 20
T-Mobile USAFixed Wireless100 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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