Berrien County property record for 655 Spencer St, Benton Harbor, MI 49022
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,272 sqft · built 1950 |
| Lot Size | 0.366 acres (15,943 sqft) |
| Owner | Individual Name on File |
| Last Sale | $125,700 (Feb 2023) |
| Tax Bill | $1,723 (2025) |
| Deeds & Mortgages | Feb 2023 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 18-4300-0010-00-2 |
| Primary APN | 18-4300-0010-00-2 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Building Area | 1,272 sqft Living Area |
| 1st Floor Area | 1,272 sqft |
| Basement Area | 1,104 sqft |
| Unfinished Basement | 1,104 sqft |
| Year Built | Built 1950 |
|---|---|
| Effective Year Built | Effective 1950 |
| Architectural Style | Raised Ranch |
| Lot Area | 15,943 sqft (0.366 acres) |
| Lot Dimensions | 197 ft deep x 81 ft wide |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 655 SPENCER ST |
|---|---|
| City | BENTON HARBOR |
| State | MI |
| Zip | 49022-6937 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 - SINGL |
| Legal Description | LOT 10 BLOCK A KLINE'S SUBDIVISION |
| Legal Subdivision | KLINES SUB |
| Legal Block | A |
| Legal Lot Number | 10 |
| Legal Unit | 10 |
| Jurisdiction | BERRIEN MI |
| Township / Civil Division | ST. JOSEPH |
| Census Block Group | 3 |
| Census Block | 3009 |
| Census Tract | 700 |
655 Spencer St is owned and occupied by an individual who bought it in February 2023.
Source: Berrien County records, as of September 28, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 655 SPENCER ST, BENTON HARBOR, MI 49022-6937 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 17, 2023 · Amount on File |
| Deed Sale | Feb 17, 2023 · Amount on File |
| Deed Document Number | 2023373105 |
| Deed Book / Page | 3398 / 2632 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BERRIEN MI |
| Recording Date | Feb 17, 2023 |
| Property Address | 655 SPENCER ST, BENTON HARBOR, MI 49022-6937 |
| Document Number | 03398/2632 |
| Book / Page | 3398 / 2632 |
| Map Reference | LB 12 PG 21 |
| Instrument Date | Jan 27, 2023 |
| Instrument | 2023373105 |
| Transaction Type | Transfer |
| Record Updated | Nov 9, 2023 |
| Title Company | CHICAGO TITLE/MI, CHICAGO TITLE OF MI INC |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $945.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 428 OAK ST, HARTFORD, MI 49057-1340 |
| Name | Verified Name |
|---|---|
| Address | 655 SPENCER ST, BENTON HARBOR, MI 49022-6937 |
| Document Number | 0033982635 |
|---|---|
| Date | Feb 17, 2023 |
| Instrument | 3398-2635 |
| Name | OAK MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Jan 1, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.75% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Feb 1, 2033 |
| Change Frequency | Annually |
| Min Rate At Change | 4.75% |
| Max Rate At Change | 8.75% |
| Index | 1-Year CMT |
| Max Rate | 12.7% |
The 2025 property tax bill for 655 Spencer St was $1,723 with a homeowner's exemption.
Source: Berrien County assessment roll, as of September 28, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Berrien County |
| County Subdivision | St. Joseph Charter Township |
| Unified School District | Benton Harbor Area Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $74,500 | $149,000 | |
| 2025 | $1,723.00 | ||
| 2023 | $53,000 | $106,000 | |
| 2022 | $1,210.00 |
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.
FEMA maps place 655 Spencer St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2018.
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 Policies | 1 in force |
| Nearby Flood Claims | 1 (2018) |
| Most Recent Claim | Feb 2018 · river or lake flooding |
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.
No wildfire likelihood is modeled around 655 Spencer St, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no wildfire likelihood modeled here |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 158 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 |
May also be available: AT&T, Mercury Fiber.
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