9460 E Napier Ave, Benton Harbor, MI 49022 Property Records

Berrien County property record for 9460 E Napier Ave, Benton Harbor, MI 49022

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 2,472 sqft
Lot Size	10 acres (435,600 sqft)
Owner	Individual Name on Record
Tax Bill	$4,322 (2025)
Deeds & Mortgages	Jan 2021 Mortgage Feb 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`01-0036-0003-03-5`

Property Details

APN / Parcel Number

Primary APN	`01-0036-0003-03-5`
Alternative APN	`11-01-0036-0003-03-5`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Building Area	2,472 sqft Living Area
1st Floor Area	2,442 sqft
Basement Area	2,442 sqft
Unfinished Basement	2,442 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Lot Area	435,600 sqft (10 acres)
Lot Dimensions	100 ft deep x 100 ft wide
Garage Area	550 sqft
Parking Spaces	2 Parking Spaces
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	9460 E NAPIER AVE
City	BENTON HARBOR
State	MI
Zip	49022-9347
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BEG AT 1/4PST COMMON TO SECS 25 & 36 T4S R17W TH S89DEG43'14E 429.00' TH N00DEG08'50"E PAR TO N&S1/4 LN SEC 25 DIST 858.30' TO C/L NAPIER AVE TH SELY 495' ON C/L & ON 1295.81' RAD CUR RT CHD BRG S47DEG44'E 491.99' TH S00DEG08'50"W 666.38' TH S73DEG50
Legal Range	17W
Legal Township	04S
Legal Section	25
Jurisdiction	BERRIEN MI
Township / Civil Division	BAINBRIDGE
Census Block Group	2
Census Block	2025
Census Tract	10400

Owner

Source: Berrien County records, as of September 28, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	9460 E NAPIER AVE, BENTON HARBOR, MI 49022-9347
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Jan 19, 2021	Deed of Trust, Mortgage · Conventional Mortgage LAKE MICHIGAN CU
Feb 6, 2019	Intrafamily Transfer, Transfer · ARM HORIZON BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Jan 30, 2019
Transfer Doc	03228/2449
Record Updated	Oct 29, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	9460 E NAPIER AVE, BENTON HARBOR, MI 49022-9347
Transaction Type	Mortgage
Record Updated	Nov 9, 2023
Title Company	TRANSNATION TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	03309/1476
Date	Jan 19, 2021
Book Page	3309/1476

Lender

Name	LAKE MICHIGAN CU
Type	Credit Union
Address	GRAND RAPIDS, MI 49501

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jan 1, 2036

February 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BERRIEN MI
Recording Date	Feb 6, 2019
Property Address	9460 E NAPIER AVE, BENTON HARBOR, MI 49022-9347
Document Number	03228/2449
Book / Page	3228 / 2449
Instrument Date	Jan 30, 2019
Transaction Type	Transfer
Record Updated	Nov 9, 2023
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	9460 E NAPIER AVE, BENTON HARBOR, MI 49022-9347

Mortgage

Document Number	0032282547
Date	Feb 6, 2019
Instrument	3228/2547

Lender

Name	HORIZON BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	4.62%
Type Change Date	Mar 1, 2029
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	9.62%
Index	1-Year CMT
Max Rate	9.62%

Tax Assessment & Valuation

Source: Berrien County assessment roll, as of September 28, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Berrien County
County Subdivision	Bainbridge Township
Unified School District	Watervliet School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$409,600 (+3.1%)	$819,200 (+3.1%)
2025	$4,322.00 (+3.82%) Homeowner's exemption	$397,300 (-1.95%)	$794,600 (-1.95%)
2024	$4,163.00 (+6.8%)
2023		$405,200	$810,400
2022	$3,898.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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

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	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

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
Mercury Fiber Fixed Wireless	150 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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