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Single Family ResidenceResidential
$639,622$282 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 93How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026

445 RIDGEWAY ST

SAINT JOSEPH, MI 49085
4
Beds
2.5
Baths
2,271 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.25 ac
Lot SizeThe size of the land the home sits on, from county records.
1900
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$640K
$593K low$687K high
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$386,859
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$309,487
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.33%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$252,763
STURGIS BANK & TRUST CO · recorded Oct 17, 2022

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$9,640 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$462,100 (2026)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$461,600
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$924,200

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyBERRIEN
Lot (acres)The size of the land the home sits on, from county records.0.25
HeatingThe type of heating system in the home.Forced Air With Air Conditioning
CoolingThe type of cooling or air conditioning in the home.Yes
FireplaceWhether the home has a fireplace, and what kind.Yes
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(1)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Lincoln SchoolA-
Elementary · Grades PK–5 · 1.9 mi
H
St. Joseph High SchoolA
High · Grades 9–12 · 2.3 mi
M
Upton Middle SchoolA
Middle · Grades 6–8 · 4.9 mi

District: St. Joseph Public Schools

Neighborhood · ZIP 49085These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.63
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.82
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.22

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.89%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.31%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.4.3%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.4%
PopulationHow many people live in this area.22,840
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.887 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$94,242
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$118,414
Average tempThe average temperature here across a full year.49°F
Annual precipHow much rain and melted snow falls here in a typical year.37 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.46%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.No

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

445 Ridgeway St measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth more than 89% of homes in Saint Joseph 49085
  • Costs more per square foot than 84% of homes in Saint Joseph 49085
  • Bigger than 84% of homes in Berrien County
  • Has a smaller lot than 71% of homes in Berrien County
  • Older than 95% of homes in Berrien County

What homes are worth in Saint Joseph 49085

Each bar is how many homes fall in that price range. The marker is this home.

This home
$62K$1.2M

This home is worth more than 89% of homes in Saint Joseph 49085.

How it measures up in Saint Joseph 49085

The dot is this home. The mark in the middle is the typical home in Saint Joseph 49085.

Estimated value$639,622
CheaperTypical $352,657Pricier

Pricier than 89% of homes nearby

Price per ft²$282
CheaperTypical $220Pricier

Pricier than 84% of homes nearby

Living area2,271 ft²
SmallerTypical 1,659 ft²Bigger

Bigger than 78% of homes nearby

Lot size0.25 ac
SmallerTypical 0.32 acBigger

Bigger than 34% of homes nearby

Year built1900
OlderTypical 1964Newer

Newer than 7% of homes nearby

How 445 Ridgeway St ranks against every home in each area.
MeasureThis homeSaint Joseph 49085Berrien County
Estimated valuepricier than$639,62289% of homes88% of homes
Price per ft²pricier than$28284% of homes82% of homes
Living areabigger than2,271 ft²78% of homes84% of homes
Lot sizebigger than0.25 ac34% of homes29% of homes
Year builtnewer than19007% of homes5% of homes

About 445 Ridgeway St

How much is 445 Ridgeway St, Saint Joseph, MI worth?

The TopHap Estimate for 445 Ridgeway St, Saint Joseph, MI is $639,622 as of Jul 14, 2026. The likely range is $592,708 to $686,536. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 445 Ridgeway St, Saint Joseph, MI last sell?

445 Ridgeway St, Saint Joseph, MI last sold on Jan 28, 2003, according to the county's recorded deed.

How big is 445 Ridgeway St, Saint Joseph, MI?

445 Ridgeway St, Saint Joseph, MI has 4 bedrooms, 2.5 bathrooms, 2,271 square feet of living space and a 0.25-acre lot.

When was 445 Ridgeway St, Saint Joseph, MI built?

445 Ridgeway St, Saint Joseph, MI was built in 1900, making it 126 years old. The building has 2 stories.

What schools serve 445 Ridgeway St, Saint Joseph, MI?

445 Ridgeway St, Saint Joseph, MI is assigned to Lincoln School (elementary), rated A-; St. Joseph High School (high), rated A; Upton Middle School (middle), rated A. All sit in St. Joseph Public Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 445 Ridgeway St, Saint Joseph, MI compare to other homes in Saint Joseph 49085?

Among the 10,343 homes in Saint Joseph 49085, it is worth more than 89% of them ($639,622 against a typical $352,657), its price per square foot is higher than 84% of them ($282 against a typical $220), it is bigger than 78% of them (2,271 ft² against a typical 1,659 ft²), its lot is bigger than 34% of them (0.25 ac against a typical 0.32 ac) and it is newer than 7% of them (1900 against a typical 1964). Measured against all of Berrien County, it is worth more than 88% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 445 Ridgeway St, Saint Joseph, MI?

The 2025 property tax bill for 445 Ridgeway St, Saint Joseph, MI was $9,640. The county assessed it at $462,100.

More homes on Ridgeway St

Closest homes

More homes in Saint Joseph 49085

Assigned schools

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