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County Treasurer

Judith L. Ratering, St. Joseph County Treasurer

Judith L. Ratering
St. Joseph County Treasurer

The County Treasurer is custodian of all monies with responsibility for investing funds and maintaining an adequate cash flow and settles with township and city treasurers for taxes collected for the county and state.

The Treasurer also collects delinquent real property taxes, maintains debt service accounts for bonded indebtedness of the county and is responsible for the certification of warranty deeds and for sale of dog licenses.

In addition to these duties, the Treasurer handles the sale of properties that have gone into forfeiture/foreclosure and is a member of the Plat Board and Elections Commission.


Helping Michigan's Hardest-Hit Homeowners

St. Joseph County Treasurer has agreed to participate in the Help for Hardest Hit, Step Forward Michigan program. This program is designed to assist homeowners who have endured a financial hardship and have fallen behind on their property taxes and are unable catch up. Whether it’s a divorce, medical illness, or unemployment, many Michigan families have encountered some significant obstacles.

Effective January 15th 2013 Step Forward Michigan has begun taking applications to assist homeowners with property tax payments. If determined eligible, a one-time payment will be sent directly to the County Treasurer to pay delinquent property taxes.

Helping Michigan's Hardest-Hit HomeownersThe County Treasurer’s Office is partnering with Michigan State Housing Development Authority (MSHDA) to help Michigan’s “Hardest Hit” to avoid foreclosure and remain in their home. (MSHDA) received $498.6 million in federal funds from the U.S. Department of Treasury for programs aimed to help homeowners.

If the homeowner is accepted into the program they could receive up to $30,000.00 of federal funds administered by MSHDA to pay their back mortgage payments or delinquent property taxes. In order to qualify, homeowners must live in the home as their primary residence, have limited cash reserves, and demonstrate a significant hardship. Approved homeowners will be asked to sign a forgivable note and mortgage lien for the amount of assistance granted. The loan is provided at a 0% interest rate, requires no payments and is forgivable over a five year period, as long as the homeowner occupies the property as their principal residence.

“I encourage everyone who is at high risk of default or facing foreclosure to apply. The funds have already been allocated for Michigan and when it’s gone it’s gone!”

* A Step Forward: View More Information and Apply (External Website)

* Homeownership Counseling Program (External Website)


Important Information for Property Owners

Public Act 123 of 1999 shortens the amount of time property owners have to pay their delinquent taxes before losing their property. Property owners with taxes that are two years delinquent will be foreclosed and the property will be sold at public auction. Please see the Property Tax FAQ for more information.

Don't Wait - Pay Delinquent Property Taxes Now!


* Military Personnel - Under the Soldiers and Sailors Civil Relief Act, you may qualify to have the interest rate lowered on your delinquent property taxes. View the application for details.
Application for Property Tax Relief During Active Military Service PDF (PDF - 30 KB)

* Check your tax bill for Principal Residence Exemption (P.R.E.).
You may qualify for this if you live at the property and it is owned by you.

* You may also qualify for the Homestead Credit.
This is on the State Income Tax form. See you tax preparer for details.

* A Poverty Exemption may reduce the amount of city or township property taxes you have to pay on your principal residence for a single tax year. Poverty Exemptions are granted through the Board of Review at your city and/or township. View the Poverty Exemption Information page or contact your local unit of government Assessor for more information. Local unit of government Assessor contact information can be found in the Local Government Directory.


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County Treasurer

Judith L. Ratering

Deputy Treasurers

Kathy Humphreys, Deputy Treasurer
Mary Ives, Deputy Treasurer
Tammy Rigby, Deputy Treasurer
Lynne Binder, Deputy Treasurer

Mailing Address

PO Box 220
Centreville MI, 49032

Office Information

County Treasurer's Office
125 W. Main St.
Centreville MI, 49032
Historic Courthouse - Second Floor
*Driving Directions

Hours: M-F, 8:00 am to 5:00 pm
*Closed on County Holidays

Phone Number: (269) 467-5525
Fax Number: (269) 467-5592