1014 Lydia Dr, Saint Joseph, MI 49085 Property Records

Berrien County property record for 1014 Lydia Dr, Saint Joseph, MI 49085

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 4,994 sqft · built 1978
Lot Size	0.91 acres (39,640 sqft)
Owner	2 Individual Names on File
Last Sale	$325,000 (Jun 2020)
Tax Bill	$6,162 (2025)
Deeds & Mortgages	Aug 2017 Mortgage Jun 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`18-6880-0014-00-9`

Property Details

APN / Parcel Number

Primary APN	`18-6880-0014-00-9`
Alternative APN	`11-18-6880-0014-00-9`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Half Baths	2 Half Baths
Stories	2 Stories
Building Area	4,994 sqft Living Area
1st Floor Area	3,585 sqft
Basement Area	1,743 sqft
Unfinished Basement	1,743 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Lot Area	39,640 sqft (0.91 acres)
Lot Width	38 ft Width
Garage Area	988 sqft
Parking Spaces	4 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1014 LYDIA DR
City	SAINT JOSEPH
State	MI
Zip	49085-2823
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2 - SINGL
Legal Description	PT OF LOTS 13 & 14 RIVER BEND COM MOST W'LY COR LOT 14 TH S34DEG48'E 262.05' TH N29DEG15'E 125.12' TH NELY ON 897.35' RAD CUR LT 203.23' TH W'LY TO PT 12.17' N'LY OF N'LY COR LOT 14 TH SW'LY ON R/W OF LYDIA DR TO POB EXC BEG AT A PT ON THE WLY NOST C
Legal Subdivision	RIVER BEND
Legal Lot Number	13-20
Jurisdiction	BERRIEN MI
Township / Civil Division	ST. JOSEPH
Census Block Group	2
Census Block	2022
Census Tract	1000

Owner

1014 Lydia Dr is owned and occupied by two individuals who bought it in June 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	1014 LYDIA DR, SAINT JOSEPH, MI 49085-2823
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
Aug 31, 2017	Deed of Trust, Mortgage · Commercial Mortgage CHEMICAL BANK
Jun 15, 2020	Warranty Deed, Transfer · Conventional Mortgage QUICKEN LOANS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 15, 2020 · Amount on File
Deed Sale	Jun 15, 2020 · Amount on File
Prior Sale	Oct 24, 2005 · Amount on File
Deed Book / Page	3278 / 1747
Prior Transfer Date	Nov 24, 2015
Prior Transfer Doc	03122/0831
Record Updated	Oct 29, 2026

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	1014 LYDIA DR, SAINT JOSEPH, MI 49085-2823
Transaction Type	Mortgage
Record Updated	Nov 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	03181/3450
Date	Aug 31, 2017
Book Page	3181/3450

Lender

Name	CHEMICAL BANK
Type	Bank
Address	MIDLAND, MI 48640

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BERRIEN MI
Recording Date	Jun 15, 2020
Property Address	1014 LYDIA DR, SAINT JOSEPH, MI 49085-2823
Document Number	03278/1747
Book / Page	3278 / 1747
Map Reference	LB 12 PG 46
Instrument Date	Jun 5, 2020
Transaction Type	Transfer
Record Updated	Nov 9, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,795.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1014 LYDIA DR, SAINT JOSEPH, MI 49085-2823

Mortgage

Document Number	0032781749
Date	Jun 15, 2020
Instrument	3278/1749

Lender

Name	QUICKEN LOANS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 1014 Lydia Dr was $6,162 with a homeowner's exemption, up 3% from the year before.

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

Property Jurisdictions

Type	Name
State	Michigan
County	Berrien County
County Subdivision	St. Joseph Charter Township
Unified School District	St. Joseph Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$247,400 (+4.08%)	$494,800 (+4.08%)
2025	$6,162.00 (+2.97%) Homeowner's exemption	$237,700	$475,400
2024	$5,984.00
2023		$182,400	$364,800
2022	$5,433.00

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

Flood

FEMA maps place 1014 Lydia Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective September 10, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 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.

Wildfire

Wildfire risk around 1014 Lydia Dr 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 94% of the US · lower than 87% of Michigan
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 269 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Mercury Fiber.

Cell Coverage

5G (outdoors only) and 4G LTE

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