Berrien County property record for 810 State St, Saint Joseph, MI 49085
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,345 sqft · built 1900 |
| Lot Size | 0.121 acres (5,271 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $378,000 (Jun 2021) |
| Tax Bill | $5,807 (2025) |
| Deeds & Mortgages | May 2019 Line of Credit Jun 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 76-0340-0157-00-3 |
| Primary APN | 76-0340-0157-00-3 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 2,345 sqft Living Area |
| 1st Floor Area | 1,274 sqft |
| Basement Area | 937 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Lot Area | 5,271 sqft (0.121 acres) |
| Lot Dimensions | 132 ft deep x 40 ft wide |
| Garage Area | 360 sqft |
| Parking Spaces | 1 Parking Space |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 810 STATE ST |
|---|---|
| City | SAINT JOSEPH |
| State | MI |
| Zip | 49085-1441 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 - E |
| Legal Description | THE SWLY 40' OF LOT 157 ORIGINAL PLAT OF CITY OF ST JOSEPH WHOSE NELY LN IS PAR TO THE SWLY LN OF SD LOT 157 |
| Legal Subdivision | ORIGINAL OF CITY OF ST JOSEPH |
| Legal Lot Number | 157 |
| Jurisdiction | BERRIEN MI |
| Township / Civil Division | ST. JOSEPH |
| Census Block Group | 2 |
| Census Block | 2011 |
| Census Tract | 801 |
810 State St is owned and occupied by two individuals who bought it in June 2021.
Source: Berrien County records, as of September 28, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1533 PLEASANT CT, BIRMINGHAM, MI 48009-2909 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | His Wife |
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 |
|---|---|
| May 16, 2019 | Deed of Trust, Mortgage · Line of Credit UNITED FCU |
| Jun 22, 2021 | Warranty Deed, Transfer · Conventional Mortgage UNITED FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 22, 2021 · Amount on File |
| Deed Sale | Jun 22, 2021 · Amount on File |
| Prior Sale | Sep 1, 2000 |
| Deed Book / Page | 3332 / 3410 |
| Prior Transfer Date | Jan 12, 2004 |
| Prior Transfer Doc | 02581/0796 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERRIEN MI |
| Property Address | 810 STATE ST, SAINT JOSEPH, MI 49085-1441 |
| Transaction Type | Mortgage |
| Record Updated | Nov 9, 2023 |
| Name | Verified Name |
|---|
| Document Number | 03237/1959 |
|---|---|
| Date | May 16, 2019 |
| Book Page | 3237/1959 |
| Name | UNITED FCU |
|---|---|
| Type | Credit Union |
| Address | SAINT JOSEPH, MI 49085 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | May 25, 2029 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BERRIEN MI |
| Recording Date | Jun 22, 2021 |
| Property Address | 810 STATE ST, SAINT JOSEPH, MI 49085-1441 |
| Document Number | 03332/3410 |
| Book / Page | 3332 / 3410 |
| Instrument Date | Jun 18, 2021 |
| Transaction Type | Transfer |
| Record Updated | Nov 9, 2023 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,250.80 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 810 STATE ST, SAINT JOSEPH, MI 49085-1441 |
| Document Number | 0033323411 |
|---|---|
| Date | Jun 22, 2021 |
| Instrument | 3332/3411 |
| Name | UNITED FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2051 |
The 2025 property tax bill for 810 State St was $5,807 with a homeowner's exemption, up 2.5% 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 | $264,300 (+24.85%) | $528,600 (+24.85%) | |
| 2025 | $5,807.00 (+2.45%) Homeowner's exemption | $211,700 | $423,400 |
| 2024 | $5,668.00 | ||
| 2023 | $150,800 | $301,600 | |
| 2022 | $5,136.00 |
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 810 State 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 810 State 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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