Berrien County property record for 854 Lafayette Dr, Benton Harbor, MI 49022
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,008 sqft · built 1971 |
| Lot Size | 0.241 acres (10,498 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $92,000 (Aug 2018) |
| Tax Bill | $1,916 (2025) |
| Deeds & Mortgages | Jul 2026 Mortgage Aug 2022 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-6840-0051-00-6 |
| Primary APN | 03-6840-0051-00-6 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,008 sqft Living Area |
| 1st Floor Area | 1,008 sqft |
| Year Built | Built 1971 |
|---|---|
| Effective Year Built | Effective 1971 |
| Architectural Style | Bi-Level |
| Lot Area | 10,498 sqft (0.241 acres) |
| Lot Dimensions | 140 ft deep x 75 ft wide |
| Garage Area | 840 sqft |
| Parking Spaces | 3 Parking Spaces |
| Heating System | Floor/Wall Furnace |
|---|---|
| Heating Fuel | Electric |
| Street Address | 854 LAFAYETTE DR |
|---|---|
| City | BENTON HARBOR |
| State | MI |
| Zip | 49022-2868 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A2 SING FA |
| Legal Description | LOT 51 & THE E 25' OF LOT 50 RIDGEWOOD |
| Legal Subdivision | RIDGEWOOD |
| Legal Lot Number | 50-51 |
| Legal Unit | 51,50 |
| Jurisdiction | BERRIEN MI |
| Township / Civil Division | BENTON |
| Census Block Group | 2 |
| Census Block | 2047 |
| Census Tract | 2500 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 854 LAFAYETTE DR, BENTON HARBOR, MI 49022-2868 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 22, 2026 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Aug 3, 2022 | Deed of Trust, Mortgage · Conventional Mortgage AMERIFIRST FINANCIAL CORP |
| Aug 1, 2018 | Warranty Deed, Transfer · FHA Mortgage AMERIFIRST FINANCIAL CORP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 1, 2018 · Amount on Record |
| Deed Sale | Aug 1, 2018 · Amount on Record |
| Prior Sale | Aug 1, 2018 · Amount on Record |
| Deed Book / Page | 3212 / 3176 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERRIEN MI |
| Recording Date | Jul 22, 2026 |
| Property Address | 854 LAFAYETTE DR, BENTON HARBOR, MI 49022-2868 |
| Document Number | 0000466323 |
| Book / Page | 3483 / 270 |
| Instrument Date | Jul 17, 2026 |
| Instrument | 2026466323 |
| Transaction Type | Mortgage |
| Record Updated | Aug 7, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 854 LAFAYETTE DR, BENTON HARBOR, MI 49022-2868 |
| Document Number | 0000466323, |
|---|---|
| Date | Jul 22, 2026 |
| Book Page | 3483/270 |
| Instrument | 2026466323 |
| Name | ROCKET MORTGAGE LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.47% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERRIEN MI |
| Property Address | 854 LAFAYETTE DR, BENTON HARBOR, MI 49022-2868 |
| Transaction Type | Mortgage |
| Record Updated | Nov 9, 2023 |
| Name | Verified Name |
|---|---|
| Address | 854 LAFAYETTE DR, BENTON HARBOR, MI 49022-2868 |
| Document Number | 03381/2337 |
|---|---|
| Date | Aug 3, 2022 |
| Book Page | 3381/2337 |
| Instrument | 2022359179 |
| Name | AMERIFIRST FINANCIAL CORP |
|---|---|
| Type | Funding / Finance Company |
| Address | PORTAGE, MI 49002 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 357 Months |
| Due | May 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BERRIEN MI |
| Recording Date | Aug 1, 2018 |
| Property Address | 854 LAFAYETTE DR, BENTON HARBOR, MI 49022-2868 |
| Document Number | 03212/3176 |
| Book / Page | 3212 / 3176 |
| Map Reference | LB6 PG20 |
| Instrument Date | Jul 27, 2018 |
| Transaction Type | Transfer |
| Record Updated | Nov 9, 2023 |
| Title Company | CHICAGO TITLE MERIDIAN, CHICAGO TITLE OF MICHIGAN |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $791.20 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 854 LAFAYETTE DR, BENTON HARBOR, MI 49022-2868 |
| Name | Verified Name |
|---|---|
| Address | 845 LAFAYETTE DR, BENTON HARBOR, MI 49022 |
| Document Number | 0032123179 |
|---|---|
| Date | Aug 1, 2018 |
| Instrument | 3212/3179 |
| Name | AMERIFIRST FINANCIAL CORP |
|---|---|
| Type | Funding / Finance Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2048 |
Source: Berrien County assessment roll, as of September 28, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Berrien County |
| County Subdivision | Benton Charter Township |
| Unified School District | Benton Harbor Area Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $90,400 (+62.01%) | $180,800 (+62.01%) | |
| 2025 | $1,916.00 (+13.64%) | ||
| 2023 | $55,800 | $111,600 | |
| 2022 | $1,686.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 2 in force |
| Nearby Flood Claims | 6 (1980–2019) |
| Claims Outside the SFHA | 6 of 6 |
| Most Recent Claim | Sep 2019 · other causes |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · above 51% of Michigan |
|---|---|
| Wildfire Likelihood | 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 | BENTON CHARTER TOWNSHIP serves 6,768 people · EPA ID MI0000605 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jun 2022 |
| Lead | Under 1 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 121 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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