2106 Derfla Dr, Saint Joseph, MI 49085 Property Records

Berrien County property record for 2106 Derfla Dr, Saint Joseph, MI 49085

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,610 sqft · built 2000
Lot Size	0.344 acres (14,985 sqft)
Owner	2 Individual Names on File
Last Sale	$180,000 (Mar 2019)
Tax Bill	$3,313 (2025)
Deeds & Mortgages	Sep 2025 Line of Credit Oct 2017 Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`17-7210-0079-00-5`

Property Details

APN / Parcel Number

Primary APN	`17-7210-0079-00-5`
Alternative APN	`11-17-7210-0079-00-5`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Building Area	1,610 sqft Living Area
1st Floor Area	1,288 sqft
Basement Area	1,288 sqft
Unfinished Basement	1,288 sqft

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Lot Area	14,985 sqft (0.344 acres)
Lot Dimensions	150 ft deep x 100 ft wide
Garage Area	336 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2106 DERFLA DR
City	SAINT JOSEPH
State	MI
Zip	49085-9661
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1 - LD
Legal Description	LOT 79 SHADY SHORES NO 1
Legal Subdivision	SHADY SHORES NO 1
Legal Lot Number	79
Legal Unit	79
Jurisdiction	BERRIEN MI
Township / Civil Division	ROYALTON
Census Block Group	3
Census Block	3001
Census Tract	1800

Owner

2106 Derfla Dr is owned and occupied by two individuals who bought it in March 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	2106 DERFLA DR, SAINT JOSEPH, MI 49085-9661
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
Sep 30, 2025	Deed of Trust, Mortgage · Line of Credit HORIZON BANK
Oct 30, 2017	Deed of Trust, Mortgage · Conventional Mortgage THE HUNTINGTON NATIONAL BANK
Aug 8, 2022	Warranty Deed, Transfer · Conventional Mortgage HORIZON BANK
Mar 14, 2019	Warranty Deed, Transfer · Conventional Mortgage USAA FSB

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 14, 2019 · Amount on File
Deed Sale	Mar 14, 2019 · Amount on File
Prior Sale	Mar 14, 2019 · Amount on File
Deed Book / Page	3232 / 395
Record Updated	Oct 29, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	2106 DERFLA DR, SAINT JOSEPH, MI 49085-9661
Transaction Type	Mortgage
Record Updated	Nov 24, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2106 DERFLA DR, SAINT JOSEPH, MI 49085-9661

Mortgage

Document Number	003461/244
Date	Sep 30, 2025
Book Page	3461/244
Instrument	2025442889

Lender

Name	HORIZON BANK
Type	Bank
Address	MICHIGAN CITY, IN 46360

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	Oct 18, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	2106 DERFLA DR, SAINT JOSEPH, MI 49085-9661
Transaction Type	Mortgage
Record Updated	Nov 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	03187/2819
Date	Oct 30, 2017
Book Page	3187/2819
Instrument	3187-2819

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43219

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Nov 1, 2037

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BERRIEN MI
Recording Date	Aug 8, 2022
Property Address	2106 DERFLA DR, SAINT JOSEPH, MI 49085-9661
Document Number	003382/668
Book / Page	3382 / 668
Map Reference	LB 16 PG 36
Instrument Date	Jul 27, 2022
Instrument	2022359616
Transaction Type	Transfer
Record Updated	Nov 9, 2023
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	2106 DERFLA DR, SAINT JOSEPH, MI 49085-9661

Mortgage

Document Number	0033820669
Date	Aug 8, 2022
Instrument	3382-0669

Lender

Name	HORIZON BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2052

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BERRIEN MI
Recording Date	Mar 14, 2019
Property Address	2106 DERFLA DR, SAINT JOSEPH, MI 49085-9661
Document Number	03232/0395
Book / Page	3232 / 0395
Map Reference	LB 16 PG 36
Instrument Date	Dec 8, 2017
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	$1,548.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2106 DERFLA DR, SAINT JOSEPH, MI 49085-9661

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2106 DERFIA DRIVE, SAINT JOSEPH, MI 49085-9661

Mortgage

Document Number	0003232398
Date	Mar 14, 2019
Instrument	3232/398

Lender

Name	USAA FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 2106 Derfla Dr was $3,313 with a homeowner's exemption, up 2.3% 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	Royalton Township
Unified School District	St. Joseph Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$218,800 (+12.26%)	$437,600 (+12.26%)
2025	$3,313.00 (+2.35%) Homeowner's exemption	$194,900	$389,800
2024	$3,237.00
2023		$125,600	$251,200
2022	$2,492.00

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

Flood

FEMA maps place 2106 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 2106 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

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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