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

Berrien County property record for 985 E Napier Ave, Benton Harbor, MI 49022

Property Summary

Property Type	Fast Food Restaurant
Details	1,027 sqft · built 2022
Lot Size	0.69 acres (30,056 sqft)
Owner	Company Name on Record
Tax Bill	$10,840 (2025)
Deeds & Mortgages	Jan 2022 Line of Credit Nov 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03-0970-0003-01-0`

Property Details

APN / Parcel Number

Primary APN	`03-0970-0003-01-0`
Alternative APN	`11-03-0970-0003-01-0`

Interior

Stories	1 Story
Building Area	1,027 sqft Total Area

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Fire Resistance	Wood or Wood & Steel Frame
Lot Area	30,056 sqft (0.69 acres)

Location & Zoning

Street Address	985 E NAPIER AVE
City	BENTON HARBOR
State	MI
Zip	49022-3951
Property Category	Commercial
Property Type	Commercial > Retail > Fast Food Restaurant
Legal Description	COMBINED ON 11/23/2021 FROM 03-0970-0003-00-7, 03-0970-0005-02-6; LOTS 3, 4, 5, & 6 BUTLER NAPIER SUB EXC THE S 7' OF LOTS 3 & 4 BEING USED FOR HWY PURPOSES
Legal Subdivision	BUTLER NAPIER SUB
Legal Lot Number	3-6
Jurisdiction	BERRIEN MI
Township / Civil Division	BENTON
Census Block Group	3
Census Block	3013
Census Tract	2100

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	Company Name on Record
Mailing Address	3445 HENRY ST, 300, NORTON SHORES, MI 49441-4261
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Jan 5, 2022	Deed of Trust, Mortgage · Line of Credit UNITED FCU
Nov 3, 2022	Deed, Transfer · Commercial Mortgage PACIFIC PREMIER BANK
Nov 3, 2022	Deed, Transfer · Commercial Mortgage PACIFIC PREMIER BANK

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	985 E NAPIER AVE, BENTON HARBOR, MI 49022-3951
Transaction Type	Mortgage
Record Updated	Nov 9, 2023
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	03359/1393
Date	Jan 5, 2022
Book Page	3359/1393
Instrument	2022339702

Lender

Name	UNITED FCU
Type	Credit Union
Address	SAINT JOSEPH, MI 49085

Agreement

Type	Line of Credit
Amount	Amount Recorded

November 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	BERRIEN MI
Recording Date	Nov 3, 2022
Property Address	985 E NAPIER AVE, BENTON HARBOR, MI 49022-3951
Document Number	03390/3149
Book / Page	3390 / 3149
Map Reference	LB 11 PG 18
Instrument Date	Oct 7, 2022
Instrument	2022366327
Transaction Type	Transfer
Record Updated	Nov 22, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	701 LAKE HINSDALE DR APT 103, 701, WILLOWBROOK, IL 60527-2240

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3445 HENRY ST STE 300, 300, NORTON SHORES, MI 49441-4261

Mortgage

Document Number	0033903152
Date	Nov 3, 2022
Instrument	3390-3152

Lender

Name	PACIFIC PREMIER BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

November 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	BERRIEN MI
Recording Date	Nov 3, 2022
Property Address	985 E NAPIER AVE, BENTON HARBOR, MI 49022-3951
Document Number	03390/3149
Book / Page	3390 / 3149
Map Reference	LB 11 PG 18
Instrument Date	Oct 7, 2022
Instrument	2022366327
Transaction Type	Transfer
Record Updated	Nov 9, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	701 LAKE HINSDALE DR APT 103, 103, WILLOWBROOK, IL 60527-2240

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3445 HENRY ST STE 300, 300, NORTON SHORES, MI 49441-4261

Mortgage

Document Number	0033903152
Date	Nov 3, 2022
Instrument	3390-3152

Lender

Name	PACIFIC PREMIER BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$199,200 (+51.71%)	$398,400 (+51.71%)
2025	$10,840.00 (+2,369.25%)
2023		$131,300	$262,600
2022	$439.00

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 (1986)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Oct 1986 · tidal / storm surge

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	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.

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 120 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

May also be available: AT&T, Mercury Fiber, T-Mobile, Verizon.

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