St. Joseph County property record for 865 W Main St, Mendon, MI 49072
| Property Type | Single Family Home |
|---|---|
| Details | 1.5 ba · 1,432 sqft |
| Lot Size | 0.35 acres (15,246 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $218,000 (Apr 2026) |
| Tax Bill | $990 (2025) |
| Deeds & Mortgages | Jun 2016 Mortgage Dec 2006 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 044-130-009-00 |
| Primary APN | 044-130-009-00 |
|---|
| Full Baths | 1.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Building Area | 1,432 sqft Living Area |
| 1st Floor Area | 1,432 sqft |
| Basement Area | 1,432 sqft |
| Unfinished Basement | 1,432 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Architectural Style | Ranch |
|---|---|
| Lot Area | 15,246 sqft (0.35 acres) |
| Lot Dimensions | 150 ft deep x 103 ft wide |
| Garage Area | 528 sqft |
| Parking Spaces | 2 Parking Spaces |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 865 W MAIN ST |
|---|---|
| City | MENDON |
| State | MI |
| Zip | 49072-9557 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | VIL BUS |
| Legal Description | LOT 9 MENDON CLEARVIEW ESTATES. SEC 27 T5S R10W. VIL OF MENDON |
| Legal Range | 10W |
| Legal Township | 05S |
| Legal Section | 27 |
| Legal Subdivision | MENDON CLEARVIEW ESTATES |
| Legal Lot Number | 9 |
| Jurisdiction | ST JOSEPH MI |
| Township / Civil Division | MENDON |
| Census Block Group | 3 |
| Census Block | 3027 |
| Census Tract | 41000 |
865 W Main St is owned by two individuals who bought it in April 2026.
Source: St. Joseph County records, as of July 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 11247 PORTAGE RD, 115, PORTAGE, MI 49002-7589 |
| Owner Type | Individual |
| Vesting | Joint Tenants |
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 |
|---|---|
| Jun 21, 2016 | Deed of Trust, Mortgage · FHA Mortgage CARRINGTON MORTGAGE SERVICES LLC |
| Dec 1, 2006 | Deed of Trust, Mortgage FIRST NATIONAL BANK |
| Aug 25, 2009 | Deed of Trust, Mortgage · FHA Mortgage POLARIS HOME FUNDING CORP |
| Apr 29, 2026 | Warranty Deed, Transfer · Conventional Mortgage NEIGHBORHOODLOANS INC |
| Apr 29, 2026 | Warranty Deed, Transfer · Conventional Mortgage NEIGHBORHOOD LOANS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 29, 2026 · Amount on File |
| Deed Sale | Apr 29, 2026 · Amount on File |
| Prior Sale | Apr 4, 2003 · Amount on File |
| Deed Document Number | 20263710 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOSEPH MI |
| Property Address | 865 W MAIN ST, MENDON, MI 49072-9557 |
| Transaction Type | Mortgage |
| Record Updated | May 13, 2026 |
| Name | Verified Name |
|---|
| Document Number | 01828/0494 |
|---|---|
| Date | Jun 21, 2016 |
| Book Page | 1828/0494 |
| Name | CARRINGTON MORTGAGE SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | ANAHEIM, CA 92806 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 301 Months |
| Due | Jul 1, 2041 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOSEPH MI |
| Property Address | 865 W MAIN ST, MENDON, MI 49072-9557 |
| Transaction Type | Mortgage |
| Record Updated | May 13, 2026 |
| Title Company | VT |
| Name | Verified Name |
|---|
| Document Number | 01410/0172 |
|---|---|
| Date | Dec 1, 2006 |
| Book Page | 1410/0172 |
| Name | FIRST NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | THREE RIVERS, MI 49093 |
| Amount | Amount on Record |
|---|---|
| Term | 179 Months |
| Due | Nov 17, 2021 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOSEPH MI |
| Property Address | 865 W MAIN ST, MENDON, MI 49072-9557 |
| Transaction Type | Mortgage |
| Record Updated | May 13, 2026 |
| Name | Verified Name |
|---|
| Document Number | 01544/0991 |
|---|---|
| Date | Aug 25, 2009 |
| Book Page | 1544/0991 |
| Name | POLARIS HOME FUNDING CORP |
|---|---|
| Type | Lending Institution |
| Address | GRANDVILLE, MI 49418 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2039 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOSEPH MI |
| Recording Date | Apr 29, 2026 |
| Property Address | 865 W MAIN ST, MENDON, MI 49072-9557 |
| Document Number | 0000003710 |
| Instrument Date | Apr 21, 2026 |
| Instrument | 2026.3710 |
| Transaction Type | Transfer |
| Record Updated | May 6, 2026 |
| Title Company | SURE TITLE AGENCY, SUN TITLE AGENCY |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $165,135.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Document Number | 0000003711, |
|---|---|
| Date | Apr 29, 2026 |
| Instrument | 2026..3711 |
| Name | NEIGHBORHOODLOANS INC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.22% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Number | 0000003712, |
|---|---|
| Date | Apr 29, 2026 |
| Instrument | 2026.3712 |
| Name | MICHIGAN STATE HSNG DEV AUTH |
|---|
| Amount | Amount on Record |
|---|
| Rate | 6.22% |
|---|---|
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOSEPH MI |
| Recording Date | Apr 29, 2026 |
| Property Address | 865 W MAIN ST, MENDON, MI 49072-9557 |
| Document Number | 2026003710 |
| Instrument Date | Apr 21, 2026 |
| Instrument | 20263710 |
| Transaction Type | Transfer |
| Record Updated | Jul 6, 2026 |
| Title Company | TITLE AGENCY, SUN TITLE AGENCY |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $165,135.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Document Number | 0000003711, |
|---|---|
| Date | Apr 29, 2026 |
| Instrument | 20263711 |
| Name | NEIGHBORHOOD LOANS |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.22% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Number | 0000003712, |
|---|---|
| Date | Apr 29, 2026 |
| Instrument | 20263712 |
| Name | MICHIGAN STATE HSNG DEV AUTH |
|---|
| Amount | Amount on Record |
|---|
| Rate | 6.22% |
|---|---|
| Max Rate | -1% |
The 2025 property tax bill for 865 W Main St was $990.
Source: St. Joseph County assessment roll, as of August 11, 2025
| Type | Name |
|---|---|
| State | Michigan |
| County | St. Joseph County |
| County Subdivision | Mendon Township |
| Municipality | Mendon Village |
| Unified School District | Mendon Community School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $104,600 (+10.69%) | $209,200 (+10.69%) | |
| 2025 | $990.00 | $94,500 Land $5,500 Building $89,000 | $189,000 Land $11,000 Building $178,000 |
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 865 W Main St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1980.
Source: FEMA National Flood Hazard Layer, effective June 4, 2010 · 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 | 3 in force |
| Nearby Flood Claims | 2 (1980–1990) |
| Most Recent Claim | Jun 1990 · rainfall accumulation |
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 865 W Main St 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 94% of the US · lower than 87% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | MENDON serves 920 people · EPA ID MI0004240 |
|---|---|
| Water Source | Groundwater |
| Lead | Under 1 ppb (2023) action level 15 ppb |
| Copper | 1.4 mg/L (2024) action level 1.3 mg/L |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 3 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 34 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 · Fiber in parts of the area | 150 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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