Berrien County property record for 913 State St, Saint Joseph, MI 49085
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,490 sqft · built 1900 |
| Lot Size | 0.1 acres (4,356 sqft) |
| Owner | Trust Name on File |
| Last Sale | $257,500 (Jun 2017) |
| Tax Bill | $4,928 (2025) |
| Deeds & Mortgages | Oct 2020 Mortgage Feb 2024 Transfer + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 76-3170-0045-00-6 |
| Primary APN | 76-3170-0045-00-6 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,490 sqft Living Area |
| 1st Floor Area | 837 sqft |
| Basement Area | 630 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Lot Area | 4,356 sqft (0.1 acres) |
| Lot Dimensions | 132 ft deep x 33 ft wide |
| Garage Area | 432 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 913 STATE ST |
|---|---|
| City | SAINT JOSEPH |
| State | MI |
| Zip | 49085-1463 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 - E |
| Legal Description | THE NELY 1/2 OF LOT 6 BLK 42 B C HOYT'S SECOND ADD TO CITY OF ST JOSEPH WHOSE SWLY LN IS PAR TO NELY LN OF SD LOT 6 |
| Legal Subdivision | HOYTS SECOND ADD |
| Legal Block | 42 |
| Legal Lot Number | 6 |
| Legal Unit | 6,6 |
| Jurisdiction | BERRIEN MI |
| Township / Civil Division | ST. JOSEPH |
| Census Block Group | 2 |
| Census Block | 2021 |
| Census Tract | 801 |
913 State St is owner-occupied and held in a trust since August 2023.
Source: Berrien County records, as of September 28, 2026
| Owner of Record | Trust Name on File |
|---|---|
| Mailing Address | 913 STATE ST, SAINT JOSEPH, MI 49085-1463 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
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 |
|---|---|
| Oct 19, 2020 | Deed of Trust, Mortgage · Conventional Mortgage PACOR MORTGAGE CORP |
| Feb 14, 2024 | Intrafamily Transfer, Transfer |
| Jun 1, 2017 | Warranty Deed, Transfer · Conventional Mortgage UNION HOME MORTGAGE CORP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 1, 2017 · Amount on File |
| Deed Sale | Jun 1, 2017 · Amount on File |
| Prior Sale | Mar 11, 1993 |
| Deed Book / Page | 3173 / 2180 |
| Last Transfer Date | Aug 16, 2023 |
| Transfer Doc | 03420/2960 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERRIEN MI |
| Property Address | 913 STATE ST, SAINT JOSEPH, MI 49085-1463 |
| Transaction Type | Mortgage |
| Record Updated | Nov 9, 2023 |
| Name | Verified Name |
|---|
| Document Number | 03296/1148 |
|---|---|
| Date | Oct 19, 2020 |
| Book Page | 3296/1148 |
| Name | PACOR MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | OAK FOREST, IL 60452 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2050 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | BERRIEN MI |
| Recording Date | Feb 14, 2024 |
| Property Address | 913 STATE ST, SAINT JOSEPH, MI 49085-1463 |
| Document Number | 03420/2960 |
| Book / Page | 3420 / 2960 |
| Instrument Date | Aug 16, 2023 |
| Instrument | 2024398107 |
| Transaction Type | Transfer |
| Record Updated | Mar 5, 2024 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 913 STATE ST, SAINT JOSEPH, MI 49085-1463 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BERRIEN MI |
| Recording Date | Jun 1, 2017 |
| Property Address | 913 STATE ST, SAINT JOSEPH, MI 49085-1463 |
| Document Number | 03173/2180 |
| Book / Page | 3173 / 2180 |
| Instrument Date | May 26, 2017 |
| Transaction Type | Transfer |
| Record Updated | Nov 9, 2023 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,214.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 913 STATE ST, SAINT JOSEPH, MI 49085-1463 |
| Name | Verified Name |
|---|---|
| Address | 913 STATE ST, SAINT JOSEPH, MI 49085-1463 |
| Document Number | 0031732182 |
|---|---|
| Date | Jun 1, 2017 |
| Instrument | 3173/2182 |
| Name | UNION HOME MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2047 |
The 2025 property tax bill for 913 State St was $4,928 with a homeowner's exemption, down 1.1% 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 | $176,800 (+7.54%) | $353,600 (+7.54%) | |
| 2025 | $4,928.00 (-1.12%) Homeowner's exemption | $164,400 | $328,800 |
| 2024 | $4,984.00 | ||
| 2023 | $142,200 | $284,400 | |
| 2022 | $4,403.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 913 State St 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.
The area around 913 State St 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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