Berrien County property record for 724 Vine St, Saint Joseph, MI 49085
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,941 sqft · built 1900 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | Individual Name on File |
| Last Sale | $525,000 (Oct 2020) |
| Tax Bill | $9,507 (2025) |
| Deeds & Mortgages | Mar 2020 Line of Credit Oct 2025 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 76-0340-0098-01-5 |
| Primary APN | 76-0340-0098-01-5 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 1,941 sqft Living Area |
| 1st Floor Area | 1,017 sqft |
| Basement Area | 520 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Lot Area | 8,712 sqft (0.2 acres) |
| Lot Dimensions | 132 ft deep x 66 ft wide |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 724 VINE ST |
|---|---|
| City | SAINT JOSEPH |
| State | MI |
| Zip | 49085-1041 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 - E |
| Legal Description | THAT PT OF VAC PARK ST AS COM AT NELY COR LOT 99 ORIGINAL PLAT OF CITY OF ST JOSEPH TH N30DEG E 66' TH N60DEG W 132' TH S30DEG W 66' TH S60DEG E 132'TO BEG |
| Legal Subdivision | ORIGINAL OF CITY OF ST JOSEPH |
| Legal Lot Number | 99 |
| Legal Unit | 99 |
| Jurisdiction | BERRIEN MI |
| Township / Civil Division | ST. JOSEPH |
| Census Block Group | 1 |
| Census Block | 1044 |
| Census Tract | 801 |
724 Vine St is owned and occupied by an individual who bought it in October 2020.
Source: Berrien County records, as of September 28, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 724 VINE ST, SAINT JOSEPH, MI 49085-1041 |
| 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 |
|---|---|
| Mar 23, 2020 | Deed of Trust, Mortgage · Line of Credit HONOR CU |
| Oct 17, 2025 | Warranty Deed, Transfer |
| Oct 13, 2020 | Warranty Deed, Transfer · Conventional Mortgage NOVUS HOME MORTGAGE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 13, 2020 · Amount on File |
| Deed Sale | Oct 13, 2020 · Amount on File |
| Prior Sale | Oct 13, 2020 · Amount on File |
| Deed Book / Page | 3295 / 1406 |
| Prior Transfer Date | Jan 21, 2010 |
| Prior Transfer Doc | 02911/0313 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERRIEN MI |
| Property Address | 724 VINE ST, SAINT JOSEPH, MI 49085-1041 |
| Transaction Type | Mortgage |
| Record Updated | Nov 12, 2025 |
| Name | Verified Name |
|---|
| Document Number | 003269/916 |
|---|---|
| Date | Mar 23, 2020 |
| Book Page | 3269/916 |
| Name | HONOR CU |
|---|---|
| Type | Credit Union |
| Address | BERRIEN SPRINGS, MI 49103 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Mar 12, 2040 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BERRIEN MI |
| Recording Date | Oct 17, 2025 |
| Property Address | 724 VINE ST, SAINT JOSEPH, MI 49085-1041 |
| Document Number | 03462/1806 |
| Book / Page | 3462 / 1806 |
| Map Reference | MB E PG 564 |
| Instrument Date | Sep 24, 2025 |
| Instrument | 2025444160 |
| Transaction Type | Transfer |
| Record Updated | Nov 12, 2025 |
| Amount | Amount on Record |
|---|---|
| Tax | $5,718.75 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 724 VINE ST, SAINT JOSEPH, MI 49085-1041 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BERRIEN MI |
| Recording Date | Oct 13, 2020 |
| Property Address | 724 VINE ST, SAINT JOSEPH, MI 49085-1041 |
| Document Number | 03295/1406 |
| Book / Page | 3295 / 1406 |
| Instrument Date | Oct 1, 2020 |
| Transaction Type | Transfer |
| Record Updated | Nov 12, 2025 |
| Title Company | CHICAGO TITLE MERIDIAN, CHICAGO TITLE OF MI INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,515.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 724 VINE ST, SAINT JOSEPH, MI 49085-1041 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 883 W 15TH PL # 405, 405, CHICAGO, IL 60608-1502 |
| Document Number | 0032951409 |
|---|---|
| Date | Oct 13, 2020 |
| Instrument | 3295/1409 |
| Name | NOVUS HOME MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2050 |
The 2025 property tax bill for 724 Vine St was $9,507 with a homeowner's exemption, up 2.4% 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 | $350,100 (+22.89%) | $700,200 (+22.89%) | |
| 2025 | $9,507.00 (+2.45%) Homeowner's exemption | $284,900 | $569,800 |
| 2024 | $9,280.00 | ||
| 2023 | $238,200 | $476,400 | |
| 2022 | $8,493.00 |
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 724 Vine St in Zone X, an area of minimal flood risk.
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 |
| Flood Insurance Cost | Premium on File median of 11 policies |
| Nearby Flood Policies | 11 in force |
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 risk around 724 Vine 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 99.1% of the US · lower than 98.4% of Michigan |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures