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Single Family ResidenceResidential
$446,426$151 / 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 95How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Oct 21, 2026
Last sold for $344,600 on Aug 15, 2017

4645 TERRA LN

SAINT JOSEPH, MI 49085
4
Beds
2.5
Baths
2,954 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.
0.79 ac
Lot SizeThe size of the land the home sits on, from county records.
1964
Year BuiltThe year the home was originally built, according to county records.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$446K
$422K low$470K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$344,600 · Aug 15, 2017

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,970 (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.$201,600 (2026)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$195,600
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$403,200

Climate Risk

Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.197 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.51%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.1 percent flood zone

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
StyleThe architectural style of the home, such as ranch or colonial.Bi-Level
CountyBERRIEN
Lot (acres)The size of the land the home sits on, from county records.0.79
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(2)

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
Clarke SchoolA-
Elementary · Grades KG–5 · 0.8 mi
M
Upton Middle SchoolA+
Middle · Grades 6–8 · 2.1 mi
H
St. Joseph High SchoolA+
High · Grades 9–12 · 4.7 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%

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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

4645 Terra Ln 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 76% of homes in Berrien County
  • Costs less per square foot than 95% of homes in Saint Joseph 49085
  • Bigger than 93% of homes in Berrien County
  • Has a bigger lot than 81% of homes in Saint Joseph 49085

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
$98K$1.2M

This home is worth more than 72% 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$446,426
CheaperTypical $353,086Pricier

Pricier than 72% of homes nearby

Price per ft²$151
CheaperTypical $222Pricier

Pricier than 5% of homes nearby

Living area2,954 ft²
SmallerTypical 1,654 ft²Bigger

Bigger than 92% of homes nearby

Lot size0.79 ac
SmallerTypical 0.32 acBigger

Bigger than 81% of homes nearby

Year built1964
OlderTypical 1964Newer

Newer than 51% of homes nearby

How 4645 Terra Ln ranks against every home in each area.
MeasureThis homeSaint Joseph 49085Berrien County
Estimated valuepricier than$446,42672% of homes76% of homes
Price per ft²pricier than$1515% of homes30% of homes
Living areabigger than2,954 ft²92% of homes93% of homes
Lot sizebigger than0.79 ac81% of homes66% of homes
Year builtnewer than196451% of homes56% of homes

About 4645 Terra Ln

How much is 4645 Terra Ln, Saint Joseph, MI worth?

The TopHap Estimate for 4645 Terra Ln, Saint Joseph, MI is $446,426 as of Oct 21, 2026. The likely range is $422,357 to $470,495. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 4645 Terra Ln, Saint Joseph, MI last sell?

4645 Terra Ln, Saint Joseph, MI last sold on Aug 15, 2017 for $344,600, according to the county's recorded deed.

How big is 4645 Terra Ln, Saint Joseph, MI?

4645 Terra Ln, Saint Joseph, MI has 4 bedrooms, 2.5 bathrooms, 2,954 square feet of living space and a 0.79-acre lot.

When was 4645 Terra Ln, Saint Joseph, MI built?

4645 Terra Ln, Saint Joseph, MI was built in 1964, making it 62 years old. It is a bi-level home.

What schools serve 4645 Terra Ln, Saint Joseph, MI?

4645 Terra Ln, Saint Joseph, MI is assigned to Clarke School (elementary), rated A-; Upton Middle School (middle), rated A+; St. Joseph High School (high), rated A+. All sit in St. Joseph Public Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 4645 Terra Ln, Saint Joseph, MI compare to other homes in Saint Joseph 49085?

Among the 10,350 homes in Saint Joseph 49085, it is worth more than 72% of them ($446,426 against a typical $353,086), its price per square foot is higher than 5% of them ($151 against a typical $222), it is bigger than 92% of them (2,954 ft² against a typical 1,654 ft²), its lot is bigger than 81% of them (0.79 ac against a typical 0.32 ac) and it is newer than 51% of them (1964 against a typical 1964). Measured against all of Berrien County, it is worth more than 76% 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 4645 Terra Ln, Saint Joseph, MI?

The 2025 property tax bill for 4645 Terra Ln, Saint Joseph, MI was $3,970. The county assessed it at $201,600.

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