Berrien County property record for 720 Main St, Saint Joseph, MI 49085
| Property Type | Commercial |
|---|---|
| Details | 1,763 sqft · built 1910 |
| Lot Size | 0.136 acres (5,924 sqft) |
| Owner | Individual Name on File |
| Last Sale | $363,000 (Apr 2025) |
| Tax Bill | $5,158 (2025) |
| Deeds & Mortgages | Aug 2023 Line of Credit Apr 2023 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 76-0340-0215-01-1 |
| Primary APN | 76-0340-0215-01-1 |
|---|---|
| Alternative APN |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 1,763 sqft Total Area |
| 1st Floor Area | 893 sqft |
| Basement Area | 893 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1910 |
|---|---|
| Effective Year Built | Effective 1910 |
| Fire Resistance | Fireproof Steel Frame |
| Lot Area | 5,924 sqft (0.136 acres) |
| Lot Dimensions | 90 ft deep x 66 ft wide |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 720 MAIN ST |
|---|---|
| City | SAINT JOSEPH |
| State | MI |
| Zip | 49085-1317 |
| Property Category | Commercial |
| Property Type | Commercial > Retail |
| Local Zoning Code | R1 - E |
| Legal Description | THE SELY 90' OF LOT 215 ORIGINAL PLAT OF CITY OF ST JOSEPH WHOSE NWLY LN IS PAR TO SELY LN OF SD LOT 215 |
| Legal Subdivision | ORIGINAL OF CITY OF ST JOSEPH |
| Legal Lot Number | 215 |
| Jurisdiction | BERRIEN MI |
| Township / Civil Division | ST. JOSEPH |
| Census Block Group | 2 |
| Census Block | 2013 |
| Census Tract | 801 |
720 Main St, a commercial property, is owned by an individual who bought it in April 2025.
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 | 1941 TURK ST, 3, SAN FRANCISCO, CA 94115-4396 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 4, 2023 | Deed of Trust, Mortgage · Line of Credit HONOR CU |
| Apr 3, 2023 | Warranty Deed, Transfer · Conventional Mortgage HONOR CU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 28, 2025 · Amount on File |
| Deed Sale | Apr 28, 2025 · Amount on File |
| Prior Sale | Apr 3, 2023 · Amount on File |
| Deed Document Number | 2025431220 |
| Deed Book / Page | 3449 / 542 |
| Prior Transfer Date | Aug 29, 2014 |
| Prior Transfer Doc | 03081/1802 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERRIEN MI |
| Property Address | 720 MAIN ST, SAINT JOSEPH, MI 49085-1317 |
| Transaction Type | Mortgage |
| Record Updated | Nov 9, 2023 |
| Name | Verified Name |
|---|---|
| Address | 720 MAIN ST, SAINT JOSEPH, MI 49085-1317 |
| Document Number | 03409/1507 |
|---|---|
| Date | Aug 4, 2023 |
| Book Page | 3409/1507 |
| Instrument | 2023386135 |
| Name | HONOR CU |
|---|---|
| Type | Credit Union |
| Address | BERRIEN SPRINGS, MI 49103 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Aug 12, 2043 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BERRIEN MI |
| Recording Date | Apr 3, 2023 |
| Property Address | 720 MAIN ST, SAINT JOSEPH, MI 49085-1317 |
| Document Number | 03401/2484 |
| Book / Page | 3401 / 2484 |
| Map Reference | LB E PG 564 |
| Instrument Date | Mar 31, 2023 |
| Instrument | 2023377940 |
| Transaction Type | Transfer |
| Record Updated | Nov 9, 2023 |
| Title Company | CHICAGO TITLE/MI, CHICAGO TITLE OF MI INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,875.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3395 WYNDWICKE DR, SAINT JOSEPH, MI 49085-9607 |
| Name | Verified Name |
|---|---|
| Address | 720 MAIN ST, SAINT JOSEPH, MI 49085-1317 |
| Document Number | 2023377941 |
|---|---|
| Date | Apr 3, 2023 |
| Instrument | 2023377941 |
| Name | HONOR CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 66 Months |
| Due | Oct 1, 2028 |
The 2025 property tax bill for 720 Main St was $5,158, up 2.6% from the year before.
Source: Berrien County assessment roll, as of September 28, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Berrien County |
| Municipality | St. Joseph City |
| Unified School District | St. Joseph Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $112,100 (+1.26%) | $224,200 (+1.26%) | |
| 2025 | $5,158.00 (+2.57%) | $110,700 | $221,400 |
| 2024 | $5,029.00 | ||
| 2023 | $97,400 | $194,800 | |
| 2022 | $5,115.00 |
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 720 Main 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.
The area around 720 Main St 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | ST JOSEPH serves 7,930 people · EPA ID MI0006310 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jun 2025 |
| Lead | 4 ppb (2026) 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 702 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless · DSL · Fiber in parts of the area | 100 / 20 |
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