920 Territorial Rd, Benton Harbor, MI 49022 Property Records

Berrien County property record for 920 Territorial Rd, Benton Harbor, MI 49022

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,314 sqft · built 1910
Lot Size	0.162 acres (7,057 sqft)
Owner	Individual Name on File
Last Sale	$129,000 (Dec 2022)
Tax Bill	$2,641 (2025)
Deeds & Mortgages	Aug 2021 Construction Loan Jan 2022 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`03-0820-0030-00-1`

Property Details

APN / Parcel Number

Primary APN	`03-0820-0030-00-1`
Alternative APN	`11-03-0820-0030-00-1`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,314 sqft Living Area
1st Floor Area	960 sqft
Basement Area	708 sqft
Unfinished Basement	708 sqft

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Architectural Style	Bungalow
Lot Area	7,057 sqft (0.162 acres)
Lot Dimensions	143 ft deep x 49.4 ft wide
Garage Area	200 sqft
Parking Spaces	1 Parking Space
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	920 TERRITORIAL RD
City	BENTON HARBOR
State	MI
Zip	49022-3046
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	D1 COMM
Legal Description	LOT 4 BLK 3 BENTON HARBOR IMPROVEMENT ASSNS 5TH ADD TO CITY OF BENTON HARBOR
Legal Subdivision	BENTON HARBOR IMPROVEMENT ASSNS 5TH ADD
Legal Block	3
Legal Lot Number	4
Legal Unit	4
Jurisdiction	BERRIEN MI
Township / Civil Division	BENTON
Census Block Group	1
Census Block	1023
Census Tract	2200

Owner

Source: Berrien County records · APN 03-0820-0030-00-1

Assessment roll updated June 5, 2026 · Last verified June 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	920 TERRITORIAL RD, BENTON HARBOR, MI 49022-3046
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 25, 2021	Deed of Trust, Mortgage · Construction Mortgage CIRCLE OF WEALTH FUND III LLC
Jan 11, 2022	Deed of Trust, Mortgage KAGAWASAN TRUST
Dec 06, 2022	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage HORIZON BANK
Aug 19, 2021	Intrafamily Transfer, Transfer CHICAGO TITLE/MI, CHICAGO TITLE OF MI INC
Apr 20, 2021	Warranty Deed, Transfer
Apr 20, 2021	Intrafamily Transfer, Transfer CHICAGO TITLE/MI, CHICAGO TITLE OF MI INC
Apr 20, 2021	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Dec 06, 2022 · Amount on Record
Deed Sale	Dec 06, 2022 · Amount on Record
Prior Sale	Apr 20, 2021 · Amount on Record
Deed Document Number	2022368743
Deed Book / Page	3394 / 438
Prior Transfer Date	Aug 11, 2021
Prior Transfer Doc	03340/3134
Record Updated	Sep 20, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	920 TERRITORIAL RD, BENTON HARBOR, MI 49022-3046
Transaction Type	Mortgage
Record Updated	Nov 09, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	03341/1189
Date	Aug 25, 2021
Book Page	3341/1189

Lender

Name	CIRCLE OF WEALTH FUND III LLC
Type	Non-Lending Institution
Address	COEUR D ALENE, ID 83814

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	14 Months
Due	Sep 30, 2022

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	920 TERRITORIAL RD, BENTON HARBOR, MI 49022-3046
Transaction Type	Mortgage
Record Updated	Nov 09, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0003360/22
Date	Jan 11, 2022
Book Page	3360/22
Instrument	2022340135

Lender

Name	KAGAWASAN TRUST
Type	Non-Lending Institution

Agreement

Amount	Amount Recorded

December 2022: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	BERRIEN MI
Recording Date	Dec 06, 2022
Property Address	920 TERRITORIAL RD, BENTON HARBOR, MI 49022-3046
Document Number	003394/438
Book / Page	3394 / 438
Map Reference	LB 3 PG 4
Instrument Date	Nov 18, 2022
Instrument	2022368743
Transaction Type	Subdivision Related Transfer
Record Updated	Nov 09, 2023
Title Company	NEAR NORTH TITLE GROUP

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$967.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	585 COLFAX AVE, BENTON HARBOR, MI 49022-7404

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	920 TERRITORIAL RD, BENTON HARBOR, MI 49022-3046

Mortgage

Document Number	0033940440
Date	Dec 06, 2022
Instrument	3394-0440

Lender

Name	HORIZON BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 01, 2052

Interest

Rate Type	Adjustable Rate
Rate	6.87%
Adjustable	Adjustable Rate Rider
Type Change Date	Dec 01, 2032
Change Frequency	Annually
Min Rate At Change	3.5%
Max Rate At Change	11.8%
Index	1-Year CMT
Max Rate	11.8%

August 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BERRIEN MI
Recording Date	Aug 19, 2021
Property Address	920 TERRITORIAL RD, BENTON HARBOR, MI 49022-3046
Document Number	03340/3134
Book / Page	3340 / 3134
Map Reference	LB 3 PG 4
Instrument Date	Aug 11, 2021
Transaction Type	Transfer
Record Updated	Nov 09, 2023
Title Company	CHICAGO TITLE/MI, CHICAGO TITLE OF MI INC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	585 COLFAX AVE, BENTON HARBOR, MI 49022-7404

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	585 COLFAX AVE, BENTON HARBOR, MI 49022-7404

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BERRIEN MI
Recording Date	Apr 20, 2021
Property Address	920 TERRITORIAL RD, BENTON HARBOR, MI 49022-3046
Document Number	03323/2934
Book / Page	3323 / 2934
Map Reference	LB 3 PG 4
Instrument Date	Feb 26, 2021
Transaction Type	Transfer
Record Updated	Nov 09, 2023

Transaction

Amount	Amount Recorded
Tax	$60.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2167 COLFAX AVE APT 2, 2, BENTON HARBOR, MI 49022-6861

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	585 COLFAX AVE, BENTON HARBOR, MI 49022-7404

April 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BERRIEN MI
Recording Date	Apr 20, 2021
Property Address	920 TERRITORIAL RD, BENTON HARBOR, MI 49022-3046
Document Number	03323/2932
Book / Page	3323 / 2932
Map Reference	LB 3 PG 4
Instrument Date	Feb 24, 2021
Transaction Type	Transfer
Record Updated	Nov 09, 2023
Title Company	CHICAGO TITLE/MI, CHICAGO TITLE OF MI INC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1507 S STATE ST, SAINT JOSEPH, MI 49085-1559

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	920 TERRITORIAL RD, BENTON HARBOR, MI 49022-3046

April 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BERRIEN MI
Recording Date	Apr 20, 2021
Property Address	920 TERRITORIAL RD, BENTON HARBOR, MI 49022-3046
Document Number	03323/2930
Book / Page	3323 / 2930
Map Reference	LB 3 PG 4
Instrument Date	Aug 20, 2020
Transaction Type	Transfer
Record Updated	Nov 09, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	335 E PROSPECT ST, JACKSON, MI 49203-4315

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	920 TERRITORIAL RD, BENTON HARBOR, MI 49022-3046

Tax Assessment & Valuation

Source: Berrien County records · Assessment roll updated June 5, 2026 · Last verified June 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Berrien County
County Subdivision	Benton Charter Township
Unified School District	Benton Harbor Area Schools (PK - 12)

Tax Bill & Assessment History

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$73,200 (-1.88%)	$146,400 (-1.88%)
2025	$2,641.00 (-4.17%) Homeowner's exemption	$74,600 (+27.52%)	$149,200 (+27.52%)
2024	$2,756.00 (+287.62%)
2023		$58,500	$117,000
2022	$711.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Berrien County (26021C), as of September 10, 2024 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Wildfire

Wildfire Risk	Low lower than 80% of the US · above 51% of Michigan
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: AT&T.

Based on FCC filings for 187 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System, water system MI0000600, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	BENTON HARBOR serves 9,103 people
Water Source	Surface water
Last State Inspection	Jan 2025
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Treatment failure resolved · Sep 2021 Failure to filter resolved · May 2021
Treatment and Procedure	Organic carbon removal Apr 2026 Treatment change without state approval Sep 2021 Lead public education Aug 2021
Monitoring and Reporting	None last 3 years

Results are for the whole water system as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.

920 Territorial Rd, Benton Harbor, MI 49022 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Utilities, Heating & Cooling

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

August 2021: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

January 2022: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

December 2022: Warranty Deed, Subdivision Related Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

August 2021: Intrafamily Transfer, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

April 2021: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

April 2021: Intrafamily Transfer, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

April 2021: Intrafamily Transfer, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood & Wildfire

Flood

Wildfire

Internet Providers

Drinking Water

Violations Reported to EPA

Nearby Properties on Territorial Rd

Nearby Streets

Search Property Records by Address or Parcel Number