1. Home
  2. Michigan
  3. Berrien County
  4. Benton Harbor
  5. Montezuma Rd

649 Montezuma Rd, Benton Harbor, MI 49022 Property Records

Berrien County property record for 649 Montezuma Rd, Benton Harbor, MI 49022

Property Summary

Property TypeSingle Family Home
Details3 bd · 1 ba · 1,008 sqft · built 1946
Lot Size0.194 acres (8,451 sqft)
OwnerIndividual Name on File
Last Sale$154,000 (Oct 2024)
Tax Bill$4,035 (2025)
Deeds & MortgagesDec 2018 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN18-3400-0115-00-0

Property Details

APN / Parcel Number

Primary APN18-3400-0115-00-0
Alternative APN
  • 11-18-3400-0115-00-0

Interior

Bedrooms3 Beds
Full Baths1 Bath
Building Area1,008 sqft Living Area
1st Floor Area1,008 sqft
Basement Area1,008 sqft
Unfinished Basement1,008 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1946
Effective Year BuiltEffective 1946
Architectural StyleRaised Ranch
Lot Area8,451 sqft (0.194 acres)
Lot Dimensions130 ft deep x 65 ft wide
Garage Area528 sqft
Parking Spaces2 Parking Spaces

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C

Location & Zoning

Street Address649 MONTEZUMA RD
CityBENTON HARBOR
StateMI
Zip49022-7117
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR2 - SINGL
Legal DescriptionLOT 115 INDIAN HILLS
Legal SubdivisionINDIAN HILLS
Legal Lot Number115
Legal Unit115
JurisdictionBERRIEN MI
Township / Civil DivisionST. JOSEPH
Census Block Group2
Census Block2016
Census Tract700

Owner

649 Montezuma Rd is owned by an individual who bought it in October 2024.

Source: Berrien County records, as of September 28, 2026

Owner of RecordIndividual Name on File
Mailing Address2160 SUPERIOR AVE, CLEVELAND, OH 44114-2102
Owner TypeIndividual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesName on Deed
Last SaleOct 9, 2024 · Amount on File
Deed SaleOct 9, 2024 · Amount on File
Prior SaleDec 27, 2018 · Amount on File
Deed Document Number2024415862
Deed Book / Page3436 / 974
Record UpdatedOct 29, 2026

December 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBERRIEN MI
Recording DateDec 27, 2018
Property Address649 MONTEZUMA RD, BENTON HARBOR, MI 49022-7117
Document Number03226/0406
Book / Page3226 / 0406
Map ReferenceLB 8 PG 16
Instrument DateDec 19, 2018
Transaction TypeTransfer
Record UpdatedNov 9, 2023

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$860.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address00000

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants
Address649 M N EZUMA ROAD, BENTON HARBOR, MI 49022

Mortgage

Document Number0003226407
DateDec 27, 2018
Instrument3226/407
Lender
NameCHEMICAL BANK
TypeBank
Agreement
TypeARM
AmountAmount on Record
Term361 Months
DueJan 1, 2049
Interest
Rate TypeAdjustable Rate
Rate4.62%
Type Change DateJan 1, 2029
Change FrequencyAnnually
Min Rate At Change2.75%
Max Rate At Change9.62%
Index1-Year LIBOR
Max Rate9.62%

Tax Assessment & Valuation

The 2025 property tax bill for 649 Montezuma Rd was $4,035.

Source: Berrien County assessment roll, as of September 28, 2026

Property Jurisdictions

TypeName
StateMichigan
CountyBerrien County
County SubdivisionSt. Joseph Charter Township
Unified School DistrictBenton Harbor Area Schools (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$88,300$176,600
2025$4,035.00
2023$52,200$104,400
2022$1,454.00

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.

Flood

FEMA maps place 649 Montezuma Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 10, 2024

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 649 Montezuma Rd is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 99.1% of the US · lower than 98.4% of Michigan
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
beyond 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 SystemSOUTHWEST MICHIGAN REGIONAL SANITARY SEW
serves 26,780 people · EPA ID MI0003726
Water SourcePurchased surface water from ST JOSEPH
Last State InspectionFeb 2025
Lead1 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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 377 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable		2,000 / 250
Verizon
Fixed Wireless		300 / 20
AT&T
DSL · Fiber in parts of the area		100 / 20

May also be available: Mercury Fiber.

Nearby Properties on Montezuma Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures