1992 Derfla Dr, Saint Joseph, MI 49085 Property Records

Berrien County property record for 1992 Derfla Dr, Saint Joseph, MI 49085

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,551 sqft
Lot Size	0.351 acres (15,290 sqft)
Owner	2 Individual Names on File
Last Sale	$451,000 (Apr 2021)
Tax Bill	$3,315 (2025)
Deeds & Mortgages	Feb 2022 Mortgage Apr 2021 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`17-7210-0086-00-1`

Property Details

APN / Parcel Number

Primary APN	`17-7210-0086-00-1`
Alternative APN	`11-17-7210-0086-00-1`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,551 sqft Living Area
Gross Area	2,366 sqft
1st Floor Area	1,155 sqft

Exterior

Lot Area	15,290 sqft (0.351 acres)
Lot Dimensions	150 ft deep x 102 ft wide
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	1992 DERFLA DR
City	SAINT JOSEPH
State	MI
Zip	49085-9691
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1 - LD
Legal Description	LOT 86 SHADY SHORES NO 1
Legal Subdivision	SHADY SHORES
Legal Lot Number	86
Legal Unit	86
Jurisdiction	BERRIEN MI
Township / Civil Division	ROYALTON
Census Block Group	3
Census Block	3001
Census Tract	1800

Owner

1992 Derfla Dr is owned and occupied by two individuals who bought it in April 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	1992 DERFLA DR, SAINT JOSEPH, MI 49085-9691
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
Feb 11, 2022	Deed of Trust, Mortgage · SBA Mortgage CIBC BANK USA
Apr 12, 2021	Warranty Deed, Transfer · Conventional Mortgage HONOR CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 12, 2021 · Amount on File
Deed Sale	Apr 12, 2021 · Amount on File
Prior Sale	May 8, 2001
Deed Book / Page	3322 / 2493
Record Updated	Oct 29, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	1992 DERFLA DR, SAINT JOSEPH, MI 49085-9691
Transaction Type	Mortgage
Record Updated	Nov 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	03363/1599
Date	Feb 11, 2022
Book Page	3363/1599
Instrument	2022342968

Lender

Name	CIBC BANK USA
Type	Bank
Address	CHICAGO, IL 60603

Agreement

Type	SBA Mortgage
Amount	Amount on Record
Term	72 Months
Due	Feb 2, 2028

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BERRIEN MI
Recording Date	Apr 12, 2021
Property Address	1992 DERFLA DR, SAINT JOSEPH, MI 49085-9691
Document Number	03322/2493
Book / Page	3322 / 2493
Instrument Date	Apr 4, 2021
Transaction Type	Transfer
Record Updated	Nov 9, 2023
Title Company	CHICAGO TITLE/MI, CHICAGO TITLE OF MI INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,878.60
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1992 DERFLA DR, SAINT JOSEPH, MI 49085-9691

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1461 S WILD MEADOW RD, ROUND LAKE, IL 60073-4276

Mortgage

Document Number	0033222572
Date	Apr 12, 2021
Instrument	3322/2572

Lender

Name	HONOR CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 1992 Derfla Dr was $3,315 with a homeowner's exemption.

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		$230,300	$460,600
2025	$3,315.00
2023		$131,800	$263,600
2022	$2,938.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 1992 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 1992 Derfla Dr is low, with 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 80% of the US · above 51% of Michigan
Wildfire Likelihood	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 120 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
Mercury Fiber Fixed Wireless	150 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Derfla Dr

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