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986 Harbor Dr E, Saint Joseph, MI 49085 Property Records

Berrien County property record for 986 Harbor Dr E, Saint Joseph, MI 49085 · Last verified June 2026

Property Summary

Property TypeCondominium
Details1 ba
Lot Size0.04 acres (1,742 sqft)
Owner2 Individual Names on File
Last Sale$565,000 (Aug 2025)
Deeds & MortgagesAug 2025 Sale & Mortgage
APN76-2984-0003-00-0

Property Details

APN / Parcel Number

Primary APN76-2984-0003-00-0

Interior

Full Baths1 Bath
Stories2 Stories

Exterior

Architectural StyleCondo/Apartment
Lot Area1,742 sqft (0.04 acres)

Location & Zoning

Street Address986 HARBOR DR E
CitySAINT JOSEPH
StateMI
Zip49085-1113
Property CategoryResidential
Property TypeResidential > Condominium / Townhouse > Condominium
Legal Description04/25/2024 DEVELOPED FROM 76-2980-0003-00-0; UNIT 3 HARBOR VILLAGE AT HARBOR SHORES TOWNHOMES II CONDOMINIUM LIBER 314 PAGE 1
Legal Unit3
JurisdictionBERRIEN MI
Township / Civil DivisionBENTON HARBOR
Census Block Group1
Census Block1030
Census Tract801

Owner

Source: Berrien County records · APN 76-2984-0003-00-0

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 Record2 Individual Names on File
Mailing Address807 CHURCH ST, SAINT JOSEPH, MI 49085-1401
OccupancyOwner Occupied
Owner TypeIndividual
VestingHusband and Wife

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleAug 04, 2025 · Amount on Record
Deed SaleAug 04, 2025 · Amount on Record
Deed Document Number2025438589
Deed Book / Page3456 / 2730
Record UpdatedSep 20, 2026

August 2025: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBERRIEN MI
Recording DateAug 04, 2025
Property Address986 HARBOR DR E, SAINT JOSEPH, MI 49085-1113
Document Number03456/2730
Book / Page3456 / 2730
Map ReferenceLB 314 PG 1
Instrument DateJul 28, 2025
Instrument2025438589
Transaction TypeTransfer
Record UpdatedJun 08, 2026
Title CompanyTRANSNATION TITLE INSURANCE COMPANY, TRANSNATION TITLE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$4,237.50
Amount AccuracyLimited Transfer Tax Data
Additional
  • Arm's Length
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name
Address2050 CELADON DR NE, GRAND RAPIDS, MI 49525-3916

Transferred To (Grantee/Buyer)

NameVerified Name
Address807 CHURCH ST, SAINT JOSEPH, MI 49085-1401

Mortgage

Document Number0034562734
DateAug 04, 2025
Instrument3456/2734
Lender
NameHORIZON BANK
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueAug 01, 2055
Interest
Rate TypeAdjustable Rate
Rate6.87%
AdjustableAdjustable Rate Rider
Type Change DateAug 01, 2035
Change FrequencyAnnually
Min Rate At Change3.5%
Max Rate At Change11.8%
Index1-Year CMT
Max Rate11.8%

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateMichigan
CountyBerrien County
MunicipalityBenton Harbor City

Tax Bill & Assessment History

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

YearAssessed ValueAssessed Market Value
2026$282,600$565,200

Flood & Wildfire

Source: FEMA OpenFEMA NFIP redacted claims and policies, census block group 260210008011, refreshed September 2026 · Last verified October 2026

Flood

Flood Insurance CostPremium on Record
median of 11 individual NFIP policies nearby
Nearby Flood Policies11 in force

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.

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