8551 Gray Rd, Baroda, MI 49101 Property Records

Berrien County property record for 8551 Gray Rd, Baroda, MI 49101

Property Summary

Property Type	General Agricultural/Rural
Details	3 ba · 2,200 sqft · built 2019
Lot Size	20 acres (871,200 sqft)
Owner	Individual Name on File
Last Sale	$250,000 (Nov 2018)
Tax Bill	$9,317 (2025)
Deeds & Mortgages	Nov 2023 Mortgage Apr 2020 Construction Loan + 4 more
Flood Zone	Zone X (minimal risk)
APN	`02-0012-0012-00-7`

Property Details

APN / Parcel Number

Primary APN	`02-0012-0012-00-7`
Alternative APN	`11-02-0012-0012-00-7`

Interior

Full Baths	3 Baths
Building Area	2,200 sqft Total Area
1st Floor Area	2,200 sqft
Basement Area	2,200 sqft
Unfinished Basement	2,200 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Architectural Style	Raised Ranch
Lot Area	871,200 sqft (20 acres)
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Total Buildings	3 Buildings

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	8551 GRAY RD
City	BARODA
State	MI
Zip	49101-9716
Property Category	Agriculture or Farming
Property Type	Agriculture / Farming > General Agricultural/Rural
Local Zoning Code	AG
Legal Description	THE N HAF OF NW QTR OF SE QTR, SEC 12 T6S R19W
Legal Range	19W
Legal Township	06S
Legal Section	12
Jurisdiction	BERRIEN MI
Township / Civil Division	BARODA
Census Block Group	2
Census Block	2026
Census Tract	11000

Owner

8551 Gray Rd, an agricultural property, is owned by an individual who bought it in November 2018.

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

Owner of Record	Individual Name on File
Mailing Address	8551 GRAY RD, BARODA, MI 49101-9716
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.

Deeds, Mortgages & Sale History

Date	Document
Nov 15, 2023	Deed of Trust, Mortgage · Closed-End Mortgage STURGIS BANK & TRUST CO
Apr 9, 2020	Deed of Trust, Mortgage · Construction Mortgage OAK MORTGAGE LLC
Feb 21, 2019	Deed of Trust, Mortgage · Construction Mortgage HORIZON BANK
Apr 22, 2020	Intrafamily Transfer, Transfer
Nov 9, 2018	Warranty Deed, Transfer FIRST AMERICAN TITLE
Feb 21, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 9, 2018 · Amount on File
Deed Sale	Nov 9, 2018 · Amount on File
Prior Sale	Nov 9, 2018 · Amount on File
Deed Book / Page	3222 / 1235
Transfer Doc	03272/1145
Record Updated	Oct 29, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	8551 GRAY RD, BARODA, MI 49101-9716
Transaction Type	Mortgage
Record Updated	Dec 26, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8551 GRAY RD, BARODA, MI 49101-9716

Mortgage

Document Number	03415/4016
Date	Nov 15, 2023
Book Page	3415/4016
Instrument	2023392938

Lender

Name	STURGIS BANK & TRUST CO
Type	Bank
Address	STURGIS, MI 49091

Agreement

Type	Closed-End Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	10 Years
Index	FHLBNY's 5-Year Index

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	8551 GRAY RD, BARODA, MI 49101-9716
Transaction Type	Mortgage
Record Updated	Nov 9, 2023
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	003271/550
Date	Apr 9, 2020
Book Page	3271/550

Lender

Name	OAK MORTGAGE LLC
Type	Mortgage Company
Address	STURGIS, MI 49091

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	348 Months
Due	Apr 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.37%
Adjustable	Adjustable Rate Rider
Type Change Date	Apr 1, 2030
Change Frequency	Annually
Min Rate At Change	3.75%
Max Rate At Change	5.37%
Index	1-Year LIBOR
Max Rate	9.37%

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	8551 GRAY RD, BARODA, MI 49101-9716
Transaction Type	Mortgage
Record Updated	Nov 9, 2023
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	03229/2822
Date	Feb 21, 2019
Book Page	3229/2822

Lender

Name	HORIZON BANK
Type	Bank
Address	MICHIGAN CITY, IN 46360

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	372 Months
Due	Feb 1, 2050

Interest

Rate Type	Fixed Rate
Rate	4.37%
Type Change Date	Feb 1, 2030
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	9.37%
Index	1-Year CMT
Max Rate	9.37%

April 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BERRIEN MI
Recording Date	Apr 22, 2020
Property Address	8551 GRAY RD, BARODA, MI 49101-9716
Document Number	03272/1145
Book / Page	3272 / 1145
Instrument Date	Mar 24, 2020
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
Address	6786 DEANS HILL RD, BERRIEN CENTER, MI 49102-9760

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BERRIEN MI
Recording Date	Nov 9, 2018
Property Address	8551 GRAY RD, BARODA, MI 49101-9716
Document Number	03222/1235
Book / Page	3222 / 1235
Instrument Date	Nov 7, 2018
Transaction Type	Transfer
Record Updated	Nov 9, 2023
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Tax	$2,150.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7707 LINCOLN AVE, BARODA, MI 49101-9741

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	6786 DEANS HILL RD, BERRIEN CENTER, MI 49102-9760

February 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BERRIEN MI
Recording Date	Feb 21, 2017
Property Address	8551 GRAY RD, BARODA, MI 49101-9716
Document Number	03163/2862
Book / Page	3163 / 2862
Instrument Date	Feb 17, 2017
Transaction Type	Transfer
Record Updated	Nov 9, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7707 LINCOLN AVE, BARODA, MI 49101-9741

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7707 LINCOLN AVE, BARODA, MI 49101-9741

Tax Assessment & Valuation

The 2025 property tax bill for 8551 Gray Rd was $9,317, up 2.2% 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		$527,800 (+5.54%)	$1,055,600 (+5.54%)
2025	$9,317.00 (+2.16%)	$500,100	$1,000,200
2024	$9,120.00
2023		$423,200	$846,400
2022	$5,722.00

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

Flood

FEMA maps place 8551 Gray 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 8551 Gray 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 98% of the US · lower than 95% of Michigan
Wildfire Likelihood	Under 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 17 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Midwest Energy & Communications Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Mercury Fiber Fixed Wireless	150 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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