1881 Derfla Dr, Saint Joseph, MI 49085 Property Records

Berrien County property record for 1881 Derfla Dr, Saint Joseph, MI 49085

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 2,388 sqft · built 1961
Lot Size	0.406 acres (17,685 sqft)
Owner	Individual Name on File
Last Sale	$164,500 (Jun 2018)
Tax Bill	$5,709 (2025)
Deeds & Mortgages	Aug 2019 Mortgage Dec 2021 Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`17-7200-0018-00-9`

Property Details

APN / Parcel Number

Primary APN	`17-7200-0018-00-9`
Alternative APN	`11-17-7200-0018-00-9`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Building Area	2,388 sqft Living Area
1st Floor Area	2,376 sqft

Exterior

Year Built	Built 1961
Effective Year Built	Effective 1961
Architectural Style	Raised Ranch
Lot Area	17,685 sqft (0.406 acres)
Lot Dimensions	118 ft deep x 150 ft wide
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1881 DERFLA DR
City	SAINT JOSEPH
State	MI
Zip	49085-9637
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1 - LD
Legal Description	THE EAST HAF OF LOT 17, SHADY SHORES SUB. & ENTIRE LOTS 18 & 19, OF SAID SUB.
Legal Subdivision	SAID SUB
Legal Lot Number	17-19
Legal Unit	17,1
Jurisdiction	BERRIEN MI
Township / Civil Division	ROYALTON
Census Block Group	3
Census Block	3001
Census Tract	1800

Owner

1881 Derfla Dr is owned and occupied by an individual who bought it in June 2018.

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

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

Owner of Record	Individual Name on File
Mailing Address	1881 DERFLA DR, SAINT JOSEPH, MI 49085-9637
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 28, 2019	Deed of Trust, Mortgage · ARM LIMA ONE CAPITAL LLC
Dec 3, 2021	Warranty Deed, Transfer · Conventional Mortgage IMC MORTGAGE CORP
Jun 27, 2018	Deed, Transfer FIRST AMERICAN TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 27, 2018 · Amount on File
Deed Sale	Jun 27, 2018 · Amount on File
Prior Sale	Jun 27, 2018 · Amount on File
Deed Book / Page	3209 / 2944
Record Updated	Oct 29, 2026

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	1881 DERFLA DR, SAINT JOSEPH, MI 49085-9637
Transaction Type	Mortgage
Record Updated	Nov 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	03247/2493
Date	Aug 28, 2019
Book Page	3247/2493

Lender

Name	LIMA ONE CAPITAL LLC
Type	Mortgage Company
Address	GREENVILLE, SC 29601

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	6.04%
Adjustable	Adjustable Rate Rider
Type Change Date	Oct 1, 2024
Change Frequency	Annually
Min Rate At Change	6.04%
Max Rate At Change	11%
Index	1-Year LIBOR
Max Rate	11%

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BERRIEN MI
Recording Date	Dec 3, 2021
Property Address	1881 DERFLA DR, SAINT JOSEPH, MI 49085-9637
Document Number	03355/1670
Book / Page	3355 / 1670
Map Reference	LB 14 PG 18
Instrument Date	Oct 13, 2021
Transaction Type	Transfer
Record Updated	Nov 9, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	181 DERFLA DRIVE, SAINT JOSEPH, MI 49085

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	181 DERFLA DRIVE, SAINT JOSEPH, MI 49085

Mortgage

Document Number	0033551673
Date	Dec 3, 2021
Instrument	3355/1673

Lender

Name	IMC MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2051

June 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	BERRIEN MI
Recording Date	Jun 27, 2018
Property Address	1881 DERFLA DR, SAINT JOSEPH, MI 49085-9637
Document Number	03209/2944
Book / Page	3209 / 2944
Map Reference	LB14 PG18
Instrument Date	May 24, 2018
Transaction Type	Transfer
Record Updated	Nov 9, 2023
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Tax	$1,414.70
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1881 DERFLA DR, SAINT JOSEPH, MI 49085-9637

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2222 W GRAND RIVER AVE # A, A, OKEMOS, MI 48864-1604

Tax Assessment & Valuation

The 2025 property tax bill for 1881 Derfla Dr was $5,709.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$233,200	$466,400
2025	$5,709.00
2023		$158,000	$316,000
2022	$5,044.00

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

Flood

FEMA maps place 1881 Derfla Dr in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

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

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 17 policies
Nearby Flood Policies	17 in force
Nearby Flood Claims	43 (1978–2018)
Claims Outside the SFHA	11 of 43
Most Recent Claim	Mar 2018 · river or lake flooding

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 1881 Derfla 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 97% of the US · lower than 93% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 46 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Mercury Fiber.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Derfla Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures