9960 Spitzke Rd, Baroda, MI 49101 Property Records

Berrien County property record for 9960 Spitzke Rd, Baroda, MI 49101

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,904 sqft · built 1999
Lot Size	7.41 acres (322,780 sqft)
Owner	2 Individual Names on File
Tax Bill	$3,817 (2022)
Deeds & Mortgages	Jan 2019 Line of Credit Jul 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`02-0023-0010-05-1`

Property Details

APN / Parcel Number

Primary APN	`02-0023-0010-05-1`
Alternative APNs	`11-02-0023-0010-05-1` `02-0023-0010-07-0`

Exterior

Lot Area	322,780 sqft (7.41 acres)
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	9960 SPITZKE RD
City	BARODA
State	MI
Zip	49101-9704
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SPLIT/COMBINED ON 01/13/2026 FROM 02-0023-0010-05-1, 02-0023-0010-06-9; BEG 1151.66' N OF E1/4 COR SEC 23 T6S R19W TH N89DEG58'52W 528.00' TH N 165.00' TH S89DEG58'52"E 528.00' TH S 165.00' TO POB ALSO BEG AT A PT ON THE E LN OF SD SEC 986.66? N OF T
Legal Range	19W
Legal Township	06S
Legal Section	23
Jurisdiction	BERRIEN MI
Township / Civil Division	BARODA
Census Block Group	3
Census Block	3002
Census Tract	11000

Owner

9960 Spitzke Rd is owned and occupied by two individuals.

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

Owner of Record	2 Individual Names on File
Mailing Address	9960 SPITZKE RD, BARODA, MI 49101-9704
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Jan 15, 2019	Deed of Trust, Mortgage · Line of Credit UNITED FCU
Jul 6, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED FCU
Jan 26, 2026	Deed of Trust, Mortgage · Line of Credit 1ST SOURCE BANK
Dec 20, 2017	Deed of Trust, Mortgage · Conventional Mortgage UNITED FCU
Mar 19, 2013	Warranty Deed, Transfer · Conventional Mortgage DISCOVER HOME LOANS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	9960 SPITZKE RD, BARODA, MI 49101-9704
Transaction Type	Mortgage
Record Updated	Jun 5, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	03227/1033
Date	Jan 15, 2019
Book Page	3227/1033

Lender

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

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Jan 25, 2029

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	9960 SPITZKE RD, BARODA, MI 49101-9704
Transaction Type	Mortgage
Record Updated	Jun 5, 2026
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	03280/3222
Date	Jul 6, 2020
Book Page	3280/3222

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jul 1, 2035

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	9960 SPITZKE RD, BARODA, MI 49101-9704
Transaction Type	Mortgage
Record Updated	Jun 5, 2026
Title Company	METRO ADVANTAGE TITLE AGENCY LLC, METRO ADVANTAGE TTL AGCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	03468/4161
Date	Jan 26, 2026
Book Page	3468/4161
Instrument	2026450465

Lender

Name	1ST SOURCE BANK
Type	Bank
Address	SAINT JOSEPH, MI 49085

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	145 Months
Due	Feb 1, 2038

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	9960 SPITZKE RD, BARODA, MI 49101-9704
Transaction Type	Mortgage
Record Updated	Nov 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	03192/2925
Date	Dec 20, 2017
Book Page	3192/2925
Instrument	3192-2925

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jan 1, 2033

March 2013: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BERRIEN MI
Recording Date	Mar 19, 2013
Property Address	9960 SPITZKE RD, BARODA, MI 49101-9704
Document Number	03029/2430
Book / Page	3029 / 2430
Instrument Date	Mar 1, 2013
Transaction Type	Transfer
Record Updated	Jun 5, 2026
Title Company	TITLE SOURCE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,896.30
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9966 SPITZKE RD, BARODA, MI 49101-9704

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	9960 SPITZKE RD, BARODA, MI 49101-9704

Mortgage

Document Number	0030292432
Date	Mar 19, 2013
Instrument	3029/2432

Lender

Name	DISCOVER HOME LOANS INC
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Apr 1, 2028

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$255,400	$510,800
2023		$163,200	$326,400
2022	$3,817.00

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

Flood

FEMA maps place 9960 Spitzke Rd in Zone X, an area of minimal flood risk.

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

Wildfire risk around 9960 Spitzke Rd is low, with less than a 0.01% annual chance of 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	None beyond 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	SOUTHWEST MICHIGAN REGIONAL SANITARY SEW serves 26,780 people · EPA ID MI0003726
Water Source	Purchased surface water from ST JOSEPH
Last State Inspection	Feb 2025
Lead	1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 4 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Midwest Energy & Communications Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Mercury Fiber Fixed Wireless	150 / 20
T-Mobile Fixed Wireless	100 / 20

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