Berrien County property record for 905 Harrison Ave, Saint Joseph, MI 49085
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,674 sqft · built 1890 |
| Lot Size | 0.106 acres (4,617 sqft) |
| Owner | Individual Name on File |
| Last Sale | $255,000 (Oct 2025) |
| Tax Bill | $4,243 (2025) |
| Deeds & Mortgages | Jan 2017 Mortgage Oct 2020 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 76-2650-0015-00-1 |
| Primary APN | 76-2650-0015-00-1 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,674 sqft Living Area |
| 1st Floor Area | 1,116 sqft |
| Basement Area | 1,116 sqft |
| Year Built | Built 1890 |
|---|---|
| Effective Year Built | Effective 1890 |
| Lot Area | 4,617 sqft (0.106 acres) |
| Lot Dimensions | 125 ft deep x 37 ft wide |
| Garage Area | 220 sqft |
| Parking Spaces | 1 Parking Space |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 905 HARRISON AVE |
|---|---|
| City | SAINT JOSEPH |
| State | MI |
| Zip | 49085-1505 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 - D |
| Legal Description | LOT 15 GARD & HAMILTONS ADD TO CITY OF ST JOSEPH |
| Legal Subdivision | GARD & HAMILTONS ADD |
| Legal Lot Number | 15 |
| Legal Unit | 15 |
| Jurisdiction | BERRIEN MI |
| Township / Civil Division | ST. JOSEPH |
| Census Block Group | 1 |
| Census Block | 1039 |
| Census Tract | 802 |
905 Harrison Ave is owned by an individual who bought it in October 2025.
Source: Berrien County records, as of September 28, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1317 W ERIE ST, 3F, CHICAGO, IL 60642-7275 |
| Owner Type | Individual |
| Vesting | Single Woman |
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 |
|---|---|
| Jan 20, 2017 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Oct 1, 2020 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Oct 14, 2020 | Deed of Trust, Mortgage · Line of Credit UNITED FCU |
| Oct 2, 2025 | Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Sep 1, 2021 | Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 2, 2025 · Amount on File |
| Deed Sale | Oct 2, 2025 · Amount on File |
| Prior Sale | Sep 1, 2021 · Amount on File |
| Deed Document Number | 2025443100 |
| Deed Book / Page | 3461 / 1594 |
| Prior Transfer Date | Aug 27, 2021 |
| Prior Transfer Doc | 03342/1216 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERRIEN MI |
| Property Address | 905 HARRISON AVE, SAINT JOSEPH, MI 49085-1505 |
| Transaction Type | Mortgage |
| Record Updated | Oct 27, 2025 |
| Title Company | KENS TITLE SEARCHES |
| Name | Verified Name |
|---|
| Document Number | 03161/0535 |
|---|---|
| Date | Jan 20, 2017 |
| Book Page | 3161/0535 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERRIEN MI |
| Property Address | 905 HARRISON AVE, SAINT JOSEPH, MI 49085-1505 |
| Transaction Type | Mortgage |
| Record Updated | Oct 27, 2025 |
| Name | Verified Name |
|---|
| Document Number | 03293/1683 |
|---|---|
| Date | Oct 1, 2020 |
| Book Page | 3293/1683 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERRIEN MI |
| Property Address | 905 HARRISON AVE, SAINT JOSEPH, MI 49085-1505 |
| Transaction Type | Mortgage |
| Record Updated | Oct 27, 2025 |
| Name | Verified Name |
|---|
| Document Number | 03295/2209 |
|---|---|
| Date | Oct 14, 2020 |
| Book Page | 3295/2209 |
| Name | UNITED FCU |
|---|---|
| Type | Credit Union |
| Address | SAINT JOSEPH, MI 49085 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Oct 5, 2030 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BERRIEN MI |
| Recording Date | Oct 2, 2025 |
| Property Address | 905 HARRISON AVE, SAINT JOSEPH, MI 49085-1505 |
| Document Number | 03461/1594 |
| Book / Page | 3461 / 1594 |
| Map Reference | LB 2 PG 54 |
| Instrument Date | Sep 29, 2025 |
| Instrument | 2025443100 |
| Transaction Type | Transfer |
| Record Updated | Oct 27, 2025 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,912.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1317 W ERIE ST APT 3F, 3F, CHICAGO, IL 60642-7275 |
| Document Number | 0034611596 |
|---|---|
| Date | Oct 2, 2025 |
| Instrument | 3461/1596 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BERRIEN MI |
| Recording Date | Sep 1, 2021 |
| Property Address | 905 HARRISON AVE, SAINT JOSEPH, MI 49085-1505 |
| Document Number | 03342/1216 |
| Book / Page | 3342 / 1216 |
| Map Reference | LB 2 PG 54 |
| Instrument Date | Aug 27, 2021 |
| Transaction Type | Transfer |
| Record Updated | Nov 9, 2023 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,926.40 |
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 9244 E MICHIGAN AVE, GALESBURG, MI 49053-8510 |
| Document Number | 0033421218 |
|---|---|
| Date | Sep 1, 2021 |
| Instrument | 3342/1218 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 1, 2051 |
The 2025 property tax bill for 905 Harrison Ave was $4,243, up 2.4% from the year before.
Source: Berrien County assessment roll, as of September 28, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Berrien County |
| Municipality | St. Joseph City |
| Unified School District | St. Joseph Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $129,800 (-4.49%) | $259,600 (-4.49%) | |
| 2025 | $4,243.00 (+2.44%) Homeowner's exemption | $135,900 | $271,800 |
| 2024 | $4,142.00 | ||
| 2023 | $112,100 | $224,200 | |
| 2022 | $3,791.00 |
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 905 Harrison Ave in Zone X, an area of minimal flood risk.
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 |
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.
The area around 905 Harrison Ave has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within 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 | ST JOSEPH serves 7,930 people · EPA ID MI0006310 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jun 2025 |
| Lead | 4 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 702 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless · DSL · Fiber in parts of the area | 100 / 20 |
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