704 Comings Ave, Saint Joseph, MI 49085 Property Records

Berrien County property record for 704 Comings Ave, Saint Joseph, MI 49085

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,556 sqft · built 1945
Lot Size	0.139 acres (6,055 sqft)
Owner	Individual Name on File
Last Sale	$175,000 (Dec 2019)
Tax Bill	$3,742 (2025)
Deeds & Mortgages	Oct 2017 Line of Credit Jul 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`76-7170-0004-00-0`

Property Details

APN / Parcel Number

Primary APN	`76-7170-0004-00-0`
Alternative APN	`11-76-7170-0004-00-0`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,556 sqft Living Area
1st Floor Area	1,161 sqft
Basement Area	804 sqft

Exterior

Year Built	Built 1945
Effective Year Built	Effective 1945
Lot Area	6,055 sqft (0.139 acres)
Lot Dimensions	126 ft deep x 48 ft wide
Garage Area	396 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	704 COMINGS AVE
City	SAINT JOSEPH
State	MI
Zip	49085-1947
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1 - A
Legal Description	LOT 4 BLK 1 SHARBONOWS ADD TO CITY OF ST JOSEPH
Legal Subdivision	SHARBONOWS ADD
Legal Block	1
Legal Lot Number	4
Legal Unit	4
Jurisdiction	BERRIEN MI
Township / Civil Division	ST. JOSEPH
Census Block Group	1
Census Block	1001
Census Tract	900

Owner

704 Comings Ave is owned and occupied by an individual who bought it in December 2019.

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

Owner of Record	Individual Name on File
Mailing Address	704 COMINGS AVE, SAINT JOSEPH, MI 49085-1947
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.

Deeds, Mortgages & Sale History

Date	Document
Oct 12, 2017	Deed of Trust, Mortgage · Line of Credit HONOR CU
Jul 24, 2019	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS INC
Dec 31, 2019	Warranty Deed, Transfer · VA Mortgage WINTRUST MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 31, 2019 · Amount on File
Deed Sale	Dec 31, 2019 · Amount on File
Prior Sale	Dec 31, 2019 · Amount on File
Deed Book / Page	3261 / 345
Record Updated	Oct 29, 2026

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	704 COMINGS AVE, SAINT JOSEPH, MI 49085-1947
Transaction Type	Mortgage
Record Updated	Nov 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	03186/0716
Date	Oct 12, 2017
Book Page	3186/0716
Instrument	3186-0716

Lender

Name	HONOR CU
Type	Credit Union
Address	BERRIEN SPRINGS, MI 49103

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Oct 12, 2037

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	704 COMINGS AVE, SAINT JOSEPH, MI 49085-1947
Transaction Type	Mortgage
Record Updated	Nov 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	03244/1249
Date	Jul 24, 2019
Book Page	3244/1249

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Aug 1, 2034

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BERRIEN MI
Recording Date	Dec 31, 2019
Property Address	704 COMINGS AVE, SAINT JOSEPH, MI 49085-1947
Document Number	03261/0345
Book / Page	3261 / 0345
Map Reference	LB 7 PG 38
Instrument Date	Dec 27, 2019
Transaction Type	Transfer
Record Updated	Nov 9, 2023

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,505.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	704 COMINGS AVE, SAINT JOSEPH, MI 49085-1947

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	704 COMINGS AVE, SAINT JOSEPH, MI 49085-1947

Mortgage

Document Number	0003261347
Date	Dec 31, 2019
Instrument	3261/347

Lender

Name	WINTRUST MORTGAGE
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 704 Comings Ave was $3,742 with a homeowner's exemption.

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

Property Jurisdictions

Type	Name
State	Michigan
County	Berrien County
Municipality	St. Joseph City
Unified School District	St. Joseph Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$129,500	$259,000
2025	$3,742.00
2023		$94,800	$189,600
2022	$3,343.00

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

Flood

FEMA maps place 704 Comings Ave in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force
Nearby Flood Claims	2 (1991–2007)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Aug 2007 · rainfall accumulation

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

The area around 704 Comings Ave has no burnable land within ember reach, 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 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	SOUTHWEST MICHIGAN REGIONAL SANITARY SEW serves 26,780 people · EPA ID MI0003726
Water Source	Purchased surface water from ST JOSEPH
Last State Inspection	Feb 2025
Lead	1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 470 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL · Fixed Wireless in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Mercury Fiber.

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