976 Monroe St, Benton Harbor, MI 49022 Property Records

Berrien County property record for 976 Monroe St, Benton Harbor, MI 49022

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,728 sqft · built 2013
Lot Size	0.284 acres (12,371 sqft)
Owner	Individual Name on Record
Last Sale	$147,000 (Nov 2020)
Tax Bill	$3,626 (2025)
Deeds & Mortgages	Nov 2020 Sale & Mortgage Oct 2020 Transfer
Flood Zone	Zone X (minimal risk)
APN	`53-2000-0117-01-0`

Property Details

APN / Parcel Number

Primary APN	`53-2000-0117-01-0`
Alternative APN	`11-53-2000-0117-01-0`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Building Area	1,728 sqft Living Area
1st Floor Area	944 sqft
Basement Area	944 sqft
Unfinished Basement	944 sqft

Exterior

Year Built	Built 2013
Effective Year Built	Effective 2013
Architectural Style	Colonial
Lot Area	12,371 sqft (0.284 acres)
Garage Area	368 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	976 MONROE ST
City	BENTON HARBOR
State	MI
Zip	49022-4832
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	DISTRICT A
Legal Description	LOTS 18 & 19 BLK 5 EMPIRE ADD TO CITY OF BENTON HARBOR
Legal Subdivision	EMPIRE ADD
Legal Block	5
Legal Lot Number	18-19
Jurisdiction	BERRIEN MI
Township / Civil Division	BENTON HARBOR
Census Block Group	1
Census Block	1006
Census Tract	600

Owner

Source: Berrien County records, as of September 28, 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 Record
Mailing Address	976 MONROE ST, BENTON HARBOR, MI 49022-4832
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 16, 2020	Warranty Deed, Transfer · FHA Mortgage AMERIFIRST FINANCIAL CORP
Oct 14, 2020	Quit Claim Deed, Transfer FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 16, 2020 · Amount on Record
Deed Sale	Nov 16, 2020 · Amount on Record
Prior Sale	May 1, 2013
Deed Document Number	2020294885
Deed Book / Page	3300 / 1051
Prior Transfer Date	Oct 8, 2020
Prior Transfer Doc	0000291233
Record Updated	Oct 29, 2026

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BERRIEN MI
Recording Date	Nov 16, 2020
Property Address	976 MONROE ST, BENTON HARBOR, MI 49022-4832
Document Number	03300/1051
Book / Page	3300 / 1051
Map Reference	LB 3 PG 9
Instrument Date	Nov 9, 2020
Transaction Type	Transfer
Record Updated	Nov 9, 2023
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,264.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	976 MONROE ST, BENTON HARBOR, MI 49022-4832

Mortgage

Document Number	0033001052
Date	Nov 16, 2020
Instrument	3300/1052

Lender

Name	AMERIFIRST FINANCIAL CORP
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2050

October 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BERRIEN MI
Recording Date	Oct 14, 2020
Property Address	976 MONROE ST, BENTON HARBOR, MI 49022-4832
Document Number	03295/2002
Book / Page	3295 / 2002
Map Reference	LB 3 PG 9
Instrument Date	Oct 8, 2020
Transaction Type	Transfer
Record Updated	Nov 9, 2023
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	976 MONROE ST, BENTON HARBOR, MI 49022-4832

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Michigan
County	Berrien County
Municipality	Benton Harbor City
Unified School District	Benton Harbor Area Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$113,500 (+32.28%)	$227,000 (+32.28%)
2025	$3,626.00 (+13.31%)
2023		$85,800	$171,600
2022	$3,200.00

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

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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 98% of the US · lower than 95% of Michigan
Wildfire Likelihood	Under 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	BENTON HARBOR serves 9,103 people · EPA ID MI0000600
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, 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 638 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
AT&T Fixed Wireless · Fiber, DSL in parts of the area	100 / 20

May also be available: Verizon.

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