8540 Ruggle's Rd, Baroda, MI 49101 Property Records

Berrien County property record for 8540 Ruggle's Rd, Baroda, MI 49101

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,666 sqft · built 1988
Lot Size	8.89 acres (387,248 sqft)
Owner	Company Name on File
Last Sale	$222,000 (May 2013)
Tax Bill	$5,465 (2025)
Deeds & Mortgages	Apr 2021 Line of Credit Jul 2021 Transfer
Flood Zone	Zone X (minimal risk)
APN	`02-0011-0028-04-5`

Property Details

APN / Parcel Number

Primary APN	`02-0011-0028-04-5`
Alternative APN	`11-02-0011-0028-04-5`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Building Area	2,666 sqft Living Area
1st Floor Area	2,666 sqft
Basement Area	1,382 sqft
Unfinished Basement	1,382 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Architectural Style	Raised Ranch
Lot Area	387,248 sqft (8.89 acres)
Garage Area	936 sqft
Parking Spaces	4 Parking Spaces
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	8540 RUGGLES RD
City	BARODA
State	MI
Zip	49101-8730
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AG
Legal Description	THE N 10 A OF W1/2 OF SE1/4 SEC 11 T6S R19W EXC RR R/W ALSO EXC COM 1310.65'S89DEG44'05''E & 209.57'S OF CEN SEC 11 TH S 120'TH N89DEG 45'25''W 315'TH N 120'TH S89DEG 45'25''E 315'TO POB
Legal Range	19W
Legal Township	06S
Legal Section	11
Jurisdiction	BERRIEN MI
Township / Civil Division	BARODA
Census Block Group	2
Census Block	2009
Census Tract	11000

Owner

8540 Ruggle's Rd is owned by a company that acquired it in July 2021 and is owner-occupied.

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

Owner of Record	Company Name on File
Mailing Address	8540 RUGGLES RD, BARODA, MI 49101-8730
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Life Estate

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Apr 5, 2021	Deed of Trust, Mortgage · Line of Credit HONOR CU
Jul 12, 2021	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 22, 2013 · Amount on File
Deed Sale	May 22, 2013 · Amount on File
Prior Sale	Jul 5, 1997 · Amount on File
Deed Book / Page	3037 / 2772
Last Transfer Date	Jul 6, 2021
Transfer Doc	03335/2040
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	8540 RUGGLES RD, BARODA, MI 49101-8730
Transaction Type	Mortgage
Record Updated	Nov 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	03321/1053
Date	Apr 5, 2021
Book Page	3321/1053

Lender

Name	HONOR CU
Type	Credit Union
Address	BERRIEN SPRINGS, MI 49103

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Apr 12, 2041

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BERRIEN MI
Recording Date	Jul 12, 2021
Property Address	8540 RUGGLES RD, BARODA, MI 49101-8730
Document Number	03335/2040
Book / Page	3335 / 2040
Instrument Date	Jul 6, 2021
Transaction Type	Transfer
Record Updated	Nov 9, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	8540 RUGGLES RD, BARODA, MI 49101-8730

Tax Assessment & Valuation

The 2025 property tax bill for 8540 Ruggle's Rd was $5,465 with a homeowner's exemption, up 4.6% from the year before.

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

Property Jurisdictions

Type	Name
State	Michigan
County	Berrien County
County Subdivision	Baroda Township
Unified School District	Lakeshore School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$311,700 (+2.84%)	$623,400 (+2.84%)
2025	$5,465.00 (+4.55%) Homeowner's exemption	$303,100	$606,200
2024	$5,227.00
2023		$214,300	$428,600
2022	$4,547.00

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

Flood

FEMA maps place 8540 Ruggle's Rd 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.

Wildfire

Wildfire risk around 8540 Ruggle's Rd 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 93% of the US · lower than 83% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 84 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Surf Internet Fiber	8,000 / 8,000
Xfinity Cable	1,200 / 35
Mercury Fiber Fixed Wireless	150 / 20

May also be available: Midwest Energy & Communications, T-Mobile, Verizon.

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