Berrien County property record for 710 S Elm St, Three Oaks, MI 49128
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,904 sqft · built 1920 |
| Lot Size | 0.57 acres (24,829 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $60,000 (Jan 2016) |
| Tax Bill | $1,694 (2025) |
| Deeds & Mortgages | Oct 2023 Line of Credit Nov 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 47-0010-0018-03-1 |
| Primary APN | 47-0010-0018-03-1 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,904 sqft Living Area |
| 1st Floor Area | 952 sqft |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 24,829 sqft (0.57 acres) |
| Lot Dimensions | 231 ft deep x 95 ft wide |
| Garage Area | 1,504 sqft |
| Parking Spaces | 5 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 710 S ELM ST |
|---|---|
| City | THREE OAKS |
| State | MI |
| Zip | 49128-1401 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | COM 75'N OF E1/4 PST SEC 10 T8S R20W TH N 90'TH W 264'TH S 90'TH E 264'TO POB ALSO COM 165.1'N OF E 1/4 PST SEC 10 TH S89DEG41'28''W 194'TH N 5'TH N89DEG41'28''E 194' TH S 5'TO POB |
| Legal Range | 20W |
| Legal Township | 08S |
| Legal Section | 10 |
| Legal Subdivision | THREE OAKS VILLAGE |
| Jurisdiction | BERRIEN MI |
| Township / Civil Division | THREE OAKS |
| Census Block Group | 2 |
| Census Block | 2013 |
| Census Tract | 11400 |
710 S Elm St is owned and occupied by two individuals who acquired it in January 2018.
Source: Berrien County records, as of September 29, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 710 S ELM ST, THREE OAKS, MI 49128-1401 |
| 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.
| Date | Document |
|---|---|
| Oct 30, 2023 | Deed of Trust, Mortgage · Line of Credit HORIZON BANK |
| Nov 12, 2021 | Deed of Trust, Mortgage · Conventional Mortgage UNITED FCU |
| Feb 14, 2018 | Quit Claim Deed, Transfer · Conventional Mortgage DITECH FINANCIAL LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 19, 2016 · Amount on File |
| Deed Sale | Jan 19, 2016 · Amount on File |
| Prior Sale | Jul 15, 2015 · Amount on File |
| Deed Book / Page | 3125 / 2951 |
| Last Transfer Date | Jan 19, 2018 |
| Transfer Doc | 03197/1222 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERRIEN MI |
| Property Address | 710 S ELM ST, THREE OAKS, MI 49128-1401 |
| Transaction Type | Mortgage |
| Record Updated | Nov 17, 2023 |
| Name | Verified Name |
|---|---|
| Address | 710 S ELM ST, THREE OAKS, MI 49128-1401 |
| Document Number | 03414/4001 |
|---|---|
| Date | Oct 30, 2023 |
| Book Page | 3414/4001 |
| Instrument | 2023391879 |
| Name | HORIZON BANK |
|---|---|
| Type | Bank |
| Address | MICHIGAN CITY, IN 46360 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Oct 3, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERRIEN MI |
| Property Address | 710 S ELM ST, THREE OAKS, MI 49128-1401 |
| Transaction Type | Mortgage |
| Record Updated | Nov 9, 2023 |
| Title Company | NOT AVAILABLE, FAT |
| Name | Verified Name |
|---|---|
| Address | 710 S ELM ST, THREE OAKS, MI 49128-1401 |
| Document Number | 03352/2522 |
|---|---|
| Date | Nov 12, 2021 |
| Book Page | 3352/2522 |
| Name | UNITED FCU |
|---|---|
| Type | Credit Union |
| Address | SAINT JOSEPH, MI 49085 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Nov 1, 2036 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | BERRIEN MI |
| Recording Date | Feb 14, 2018 |
| Property Address | 710 S ELM ST, THREE OAKS, MI 49128-1401 |
| Document Number | 03197/1222 |
| Book / Page | 3197 / 1222 |
| Instrument Date | Jan 19, 2018 |
| Transaction Type | Transfer |
| Record Updated | Nov 9, 2023 |
| Title Company | FIRST AMERICAN TITLE |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 710 S ELM ST, THREE OAKS, MI 49128-1401 |
| Document Number | 0031971225 |
|---|---|
| Date | Feb 14, 2018 |
| Instrument | 3197/1225 |
| Name | DITECH FINANCIAL LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2048 |
The 2025 property tax bill for 710 S Elm St was $1,694 with a homeowner's exemption, up 2.7% from the year before.
Source: Berrien County assessment roll, as of September 28, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Berrien County |
| County Subdivision | Three Oaks Township |
| Municipality | Three Oaks Village |
| Unified School District | River Valley School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $208,100 (+3.12%) | $416,200 (+3.12%) | |
| 2025 | $1,694.00 (+2.73%) Homeowner's exemption | $201,800 | $403,600 |
| 2024 | $1,649.00 | ||
| 2023 | $188,200 | $376,400 | |
| 2022 | $1,497.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 710 S Elm St 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 710 S Elm St 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 Risk | Low lower than 97% of the US · lower than 93% of Michigan |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | THREE OAKS serves 1,622 people · EPA ID MI0006600 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jan 2025 |
| Lead | 8 ppb (2022–2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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.
Source: FCC Broadband Data Collection, based on 33 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Surf Internet Fiber | 8,000 / 8,000 |
| Xfinity Cable | 1,200 / 35 |
| Mercury Fiber Fixed Wireless | 150 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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