Berrien County property record for 8595 E Napier Ave, Benton Harbor, MI 49022
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,680 sqft · built 1900 |
| Lot Size | 2.05 acres (89,298 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $450,000 (Oct 2025) |
| Tax Bill | $1,775 (2025) |
| Deeds & Mortgages | Nov 2005 Mortgage Oct 2009 Mortgage + 6 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-0026-0009-01-0 |
| Primary APN | 01-0026-0009-01-0 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 1,680 sqft Living Area |
| 1st Floor Area | 1,104 sqft |
| Basement Area | 864 sqft |
| Unfinished Basement | 864 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Lot Area | 89,298 sqft (2.05 acres) |
| Garage Area | 1,456 sqft |
| Parking Spaces | 5 Parking Spaces |
| Total Buildings | 2 Buildings |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 8595 E NAPIER AVE |
|---|---|
| City | BENTON HARBOR |
| State | MI |
| Zip | 49022-9485 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AG |
| Legal Description | SPLIT ON 09/30/2014 FROM 01-0026-0009-00-1; BEG 1896.47' N87DEG28'01W OF E 1/4 PST OF SEC 26 T4S R17W TH N87DEG28'01"W 175.00' TO W LN E 23.5 A TH N00DEG00'36"W ALONG W LN 510.00' TH S87DEG28'01"E 175.00' TH S00DEG00'36"E 510.00' TO POB |
| Legal Range | 17W |
| Legal Township | 04S |
| Legal Section | 26 |
| Jurisdiction | BERRIEN MI |
| Township / Civil Division | BAINBRIDGE |
| Census Block Group | 2 |
| Census Block | 2010 |
| Census Tract | 10400 |
8595 E Napier Ave is owned and occupied by two individuals who bought it in October 2025.
Source: Berrien County records, as of September 28, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 8595 E NAPIER AVE, BENTON HARBOR, MI 49022-9485 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
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 |
|---|---|
| Nov 23, 2005 | Deed of Trust, Mortgage STATE FARM BANK FSB |
| Oct 15, 2009 | Deed of Trust, Mortgage CHEMICAL BANK |
| Jan 6, 2009 | Deed of Trust, Mortgage CHEMICAL BANK |
| Nov 30, 2007 | Deed of Trust, Mortgage WASHINGTON MUTUAL BANK |
| Oct 27, 2025 | Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC |
| Feb 4, 2021 | Deed of Trust, Mortgage · Line of Credit STURGIS BANK & TRUST CO |
| Sep 22, 2020 | Intrafamily Transfer, Transfer · Conventional Mortgage OAK MORTGAGE LLC |
| Jul 16, 2020 | Intrafamily Transfer, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 27, 2025 · Amount on File |
| Deed Sale | Oct 27, 2025 · Amount on File |
| Deed Document Number | 2025444749 |
| Deed Book / Page | 3463 / 138 |
| Prior Transfer Date | Sep 15, 2020 |
| Prior Transfer Doc | 3291003217 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERRIEN MI |
| Property Address | 8595 E NAPIER AVE, BENTON HARBOR, MI 49022-9485 |
| Transaction Type | Mortgage |
| Record Updated | Jun 5, 2026 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 02667/1398 |
|---|---|
| Date | Nov 23, 2005 |
| Book Page | 2667/1398 |
| Name | STATE FARM BANK FSB |
|---|---|
| Type | Bank |
| Address | PO BOX 2328, BLOOMINGTON, IL 61702 |
| Amount | Amount on Record |
|---|---|
| Term | 60 Months |
| Due | Nov 11, 2010 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERRIEN MI |
| Property Address | 8595 E NAPIER AVE, BENTON HARBOR, MI 49022-9485 |
| Transaction Type | Mortgage |
| Record Updated | Jun 5, 2026 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 02900/3019 |
|---|---|
| Date | Oct 15, 2009 |
| Book Page | 2900/3019 |
| Name | CHEMICAL BANK |
|---|---|
| Type | Bank |
| Address | BENTON HARBOR, MI 49022 |
| Amount | Amount on Record |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERRIEN MI |
| Property Address | 8595 E NAPIER AVE, BENTON HARBOR, MI 49022-9485 |
| Transaction Type | Mortgage |
| Record Updated | Jun 5, 2026 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 02869/0729 |
|---|---|
| Date | Jan 6, 2009 |
| Book Page | 2869/0729 |
| Name | CHEMICAL BANK |
|---|---|
| Type | Bank |
| Address | CALEDONIA, MI 49316 |
| Amount | Amount on Record |
|---|---|
| Term | 59 Months |
| Due | Dec 29, 2013 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERRIEN MI |
| Property Address | 8595 E NAPIER AVE, BENTON HARBOR, MI 49022-9485 |
| Transaction Type | Mortgage |
| Record Updated | Jun 5, 2026 |
| Title Company | LSI |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 02820/1953 |
|---|---|
| Date | Nov 30, 2007 |
| Book Page | 2820/1953 |
| Name | WASHINGTON MUTUAL BANK |
|---|---|
| Type | Bank |
| Address | HENDERSON, NV 89014 |
| Amount | Amount on Record |
|---|---|
| Term | 181 Months |
| Due | Dec 1, 2022 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BERRIEN MI |
| Recording Date | Oct 27, 2025 |
| Property Address | 8595 E NAPIER AVE, BENTON HARBOR, MI 49022-9485 |
| Document Number | 003463/138 |
| Book / Page | 3463 / 138 |
| Instrument Date | Oct 9, 2025 |
| Instrument | 2025444749 |
| Transaction Type | Transfer |
| Record Updated | Jun 5, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 8595 E NAPIER AVE, BENTON HARBOR, MI 49022-9485 |
| Investor | Possibly a Property Investor |
| Document Number | 003463/141 |
|---|---|
| Date | Oct 27, 2025 |
| Book Page | 3463/141 |
| Instrument | 2025444750 |
| Name | MORTGAGE RESEARCH CENTER LLC |
|---|---|
| Type | Mortgage Company |
| Address | COLUMBIA, MO 65203 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Nov 1, 2040 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERRIEN MI |
| Property Address | 8595 E NAPIER AVE, BENTON HARBOR, MI 49022-9485 |
| Transaction Type | Mortgage |
| Record Updated | Nov 9, 2023 |
| Name | Verified Name |
|---|
| Document Number | 003312/927 |
|---|---|
| Date | Feb 4, 2021 |
| Book Page | 3312/927 |
| Name | STURGIS BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | STURGIS, MI 49091 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | BERRIEN MI |
| Recording Date | Sep 22, 2020 |
| Property Address | 8595 E NAPIER AVE, BENTON HARBOR, MI 49022-9485 |
| Document Number | 03291/3217 |
| Book / Page | 3291 / 3217 |
| Instrument Date | Sep 15, 2020 |
| Transaction Type | Transfer |
| Record Updated | Nov 9, 2023 |
| Title Company | VAN BUREN CNTY TITLE, VAN BUREN COUNTY TITLE |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 8596 E NAPIER AVE, BENTON HARBOR, MI 49022-9485 |
| Name | Verified Name |
|---|---|
| Address | 8596 E NAPIER AVE, BENTON HARBOR, MI 49022-9485 |
| Document Number | 0032913220 |
|---|---|
| Date | Sep 22, 2020 |
| Instrument | 3291/3220 |
| Name | OAK MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2050 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | BERRIEN MI |
| Recording Date | Jul 16, 2020 |
| Property Address | 8595 E NAPIER AVE, BENTON HARBOR, MI 49022-9485 |
| Document Number | 03282/3119 |
| Book / Page | 3282 / 3119 |
| Instrument Date | Jul 13, 2020 |
| Transaction Type | Transfer |
| Record Updated | Nov 9, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 8595 E NAPIER AVE, BENTON HARBOR, MI 49022-9485 |
The 2025 property tax bill for 8595 E Napier Ave was $1,775 with a homeowner's exemption, up 2.1% from the year before.
Source: Berrien County assessment roll, as of September 28, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Berrien County |
| County Subdivision | Bainbridge Township |
| Unified School District | Watervliet School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $120,000 (+3.99%) | $240,000 (+3.99%) | |
| 2025 | $1,775.00 (+2.13%) Homeowner's exemption | $115,400 | $230,800 |
| 2024 | $1,738.00 | ||
| 2023 | $96,000 | $192,000 | |
| 2022 | $1,622.00 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 8595 E Napier Ave in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2016.
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 Claims | 1 (2016) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Nov 2016 · 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.
Wildfire risk around 8595 E Napier Ave is low, with 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 80% of the US · above 51% of Michigan |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 14 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Fiber | 2,000 / 2,000 |
| Verizon Fixed Wireless | 300 / 20 |
| Mercury Fiber Fixed Wireless | 150 / 20 |
| Supernet Cable | 100 / 25 |
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