Berrien County property record for 6440 Smith Rd, Berrien Center, MI 49102
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,422 sqft · built 1986 |
| Lot Size | 2.74 acres (119,354 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $2,905 (2025) |
| Deeds & Mortgages | Nov 2025 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 04-0020-0001-17-0 |
| Primary APN | 04-0020-0001-17-0 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Building Area | 2,422 sqft Living Area |
| 1st Floor Area | 1,384 sqft |
| Basement Area | 1,384 sqft |
| Unfinished Basement | 1,384 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 1986 |
| Lot Area | 119,354 sqft (2.74 acres) |
| Garage Area | 652 sqft |
| Parking Spaces | 2 Parking Spaces |
| Total Buildings | 2 Buildings |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 6440 SMITH RD |
|---|---|
| City | BERRIEN CENTER |
| State | MI |
| Zip | 49102-9737 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AGRI / RES |
| Legal Description | COM 392.3' N89DEG37'49''W OF NE1/4 COR SEC 20 T6S R17W TH S0DEG07'W 355.28' TH N85DEG55'32''W 340.74' TH N0DEG15'33''E 344.09' TH S88DEG37'49''E 339.5' TO POB |
| Legal Range | 17W |
| Legal Township | 06S |
| Legal Section | 20 |
| Jurisdiction | BERRIEN MI |
| Township / Civil Division | BERRIEN |
| Census Block Group | 1 |
| Census Block | 1051 |
| Census Tract | 10600 |
6440 Smith Rd is owned and occupied by an individual.
Source: Berrien County records, as of September 28, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 6440 SMITH RD, BERRIEN CENTER, MI 49102-9737 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERRIEN MI |
| Property Address | 6440 SMITH RD, BERRIEN CENTER, MI 49102-9737 |
| Transaction Type | Mortgage |
| Record Updated | Nov 26, 2025 |
| Name | Verified Name |
|---|
| Document Number | 03463/4128 |
|---|---|
| Date | Nov 5, 2025 |
| Book Page | 3463/4128 |
| Instrument | 2025445574 |
| Name | UNITED FCU |
|---|---|
| Type | Credit Union |
| Address | SAINT JOSEPH, MI 49085 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Nov 18, 2035 |
The 2025 property tax bill for 6440 Smith Rd was $2,905 with a homeowner's exemption.
Source: Berrien County assessment roll, as of September 28, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Berrien County |
| County Subdivision | Berrien Township |
| Unified School District | Berrien Springs Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $216,800 | $433,600 | |
| 2025 | $2,905.00 | ||
| 2023 | $159,900 | $319,800 | |
| 2022 | $2,670.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 6440 Smith 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 risk around 6440 Smith Rd is low, with 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 80% of the US · above 51% of Michigan |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 46 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Midwest Energy & Communications Fiber | 1,000 / 1,000 |
| Mercury Fiber Fixed Wireless | 150 / 20 |
May also be available: Verizon.
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