796 Miller Ln, Saint Joseph, MI 49085 Property Records

Berrien County property record for 796 Miller Ln, Saint Joseph, MI 49085

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,008 sqft · built 1957
Lot Size	0.285 acres (12,415 sqft)
Owner	2 Individual Names on Record
Last Sale	$95,000 (Sep 2018)
Tax Bill	$2,106 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Sep 2018 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`18-2270-0021-00-8`

Property Details

APN / Parcel Number

Primary APN	`18-2270-0021-00-8`
Alternative APN	`11-18-2270-0021-00-8`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Building Area	1,008 sqft Living Area
1st Floor Area	1,008 sqft
Basement Area	1,008 sqft
Unfinished Basement	1,008 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1957
Architectural Style	Raised Ranch
Lot Area	12,415 sqft (0.285 acres)
Lot Dimensions	165 ft deep x 75 ft wide
Garage Area	320 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	796 MILLER LN
City	SAINT JOSEPH
State	MI
Zip	49085-3662
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2 - SINGL
Legal Description	LOT 21 FAIRVIEW ACRES
Legal Subdivision	FAIRVIEW ACRES
Legal Lot Number	21
Legal Unit	21
Jurisdiction	BERRIEN MI
Township / Civil Division	ST. JOSEPH
Census Block Group	1
Census Block	1060
Census Tract	1100

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	796 MILLER LN, SAINT JOSEPH, MI 49085-3662
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 3, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED FCU
Sep 7, 2018	Warranty Deed, Transfer · Conventional Mortgage RUOFF MORTGAGE COMPANY INC
Oct 12, 2017	Warranty Deed, Transfer · Conventional Mortgage FIFTH THIRD MORTGAGE CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 7, 2018 · Amount on Record
Deed Sale	Sep 7, 2018 · Amount on Record
Prior Sale	Sep 7, 2018 · Amount on Record
Deed Book / Page	3216 / 1508
Prior Transfer Date	Aug 30, 2018
Prior Transfer Doc	3216001508
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	796 MILLER LN, SAINT JOSEPH, MI 49085-3662
Transaction Type	Mortgage
Record Updated	Nov 9, 2023
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	003312/105
Date	Feb 3, 2021
Book Page	3312/105

Lender

Name	UNITED FCU
Type	Credit Union
Address	SAINT JOSEPH, MI 49085

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Feb 1, 2036

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BERRIEN MI
Recording Date	Sep 7, 2018
Property Address	796 MILLER LN, SAINT JOSEPH, MI 49085-3662
Document Number	03216/1508
Book / Page	3216 / 1508
Map Reference	LB14 PG37
Instrument Date	Aug 30, 2018
Transaction Type	Transfer
Record Updated	Nov 9, 2023
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$817.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	796 MILLER LN, SAINT JOSEPH, MI 49085-3662

Mortgage

Document Number	0032161510
Date	Sep 7, 2018
Instrument	3216/1510

Lender

Name	RUOFF MORTGAGE COMPANY INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2048

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BERRIEN MI
Recording Date	Oct 12, 2017
Property Address	796 MILLER LN, SAINT JOSEPH, MI 49085-3662
Document Number	03186/0857
Book / Page	3186 / 0857
Map Reference	LB14 PG37
Instrument Date	Oct 3, 2017
Instrument	3186-0857
Transaction Type	Transfer
Record Updated	Nov 9, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$627.80
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	795 MILLER ANE ST, SAINT JOSEPH, MI 49085

Mortgage

Document Number	0031860858
Date	Oct 12, 2017
Instrument	3186-0858

Lender

Name	FIFTH THIRD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2047

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Michigan
County	Berrien County
County Subdivision	St. Joseph Charter Township
Unified School District	St. Joseph Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$72,700 (+2.11%)	$145,400 (+2.11%)
2025	$2,106.00 (+2.53%) Homeowner's exemption	$71,200 (+0.85%)	$142,400 (+0.85%)
2024	$2,054.00 (+7.93%)
2023		$70,600	$141,200
2022	$1,903.00

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

Flood

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	8 in force
Nearby Flood Claims	5 (2009–2020)
Claims Outside the SFHA	4 of 5
Most Recent Claim	May 2020 · 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.

Wildfire

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 274 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
Mercury Fiber Fixed Wireless	150 / 20
AT&T Fixed Wireless · DSL	100 / 20

May also be available: T-Mobile.

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