2123 Derfla Dr, Saint Joseph, MI 49085 Property Records

Berrien County property record for 2123 Derfla Dr, Saint Joseph, MI 49085

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,688 sqft · built 1967
Lot Size	0.74 acres (32,234 sqft)
Owner	2 Individual Names on File
Last Sale	$205,000 (May 2016)
Tax Bill	$3,019 (2025)
Deeds & Mortgages	Feb 2026 Transfer Jun 2020 Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`17-7210-0058-00-8`

Property Details

APN / Parcel Number

Primary APN	`17-7210-0058-00-8`
Alternative APN	`11-17-7210-0058-00-8`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,688 sqft Living Area
1st Floor Area	1,688 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1967
Effective Year Built	Effective 1967
Architectural Style	Raised Ranch
Lot Area	32,234 sqft (0.74 acres)
Lot Dimensions	168 ft deep x 192 ft wide
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Electric

Location & Zoning

Street Address	2123 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 58 SHADY SHORES NO 1
Legal Subdivision	SHADY SHORES #1
Legal Lot Number	58
Legal Unit	58
Jurisdiction	BERRIEN MI
Township / Civil Division	ROYALTON
Census Block Group	3
Census Block	3001
Census Tract	1800

Owner

2123 Derfla Dr is owned and occupied by two individuals who acquired it in January 2026.

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

Owner of Record	2 Individual Names on File
Mailing Address	2123 DERFLA DR, SAINT JOSEPH, MI 49085-9661
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

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 9, 2026	Intrafamily Transfer, Transfer
Jun 22, 2020	Deed of Trust, Mortgage · Conventional Mortgage EDGEWATER BANK
Dec 30, 2022	Deed of Trust, Mortgage · Line of Credit HONOR CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 23, 2016 · Amount on File
Deed Sale	May 23, 2016 · Amount on File
Prior Sale	Jan 5, 1998 · Amount on File
Deed Book / Page	3136 / 3351
Last Transfer Date	Jan 29, 2026
Transfer Doc	0000451479
Record Updated	Oct 29, 2026

February 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BERRIEN MI
Recording Date	Feb 9, 2026
Property Address	2123 DERFLA DR, SAINT JOSEPH, MI 49085-9661
Document Number	03469/4027
Book / Page	3469 / 4027
Map Reference	LB 16 PG 36
Instrument Date	Jan 29, 2026
Instrument	2026451479
Transaction Type	Transfer
Record Updated	Jun 5, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Living Trust
Address	2123 DERFLA DR, SAINT JOSEPH, MI 49085-9661

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	2123 DERFLA DR, SAINT JOSEPH, MI 49085-9661
Transaction Type	Mortgage
Record Updated	Nov 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	03279/1148
Date	Jun 22, 2020
Book Page	3279/1148

Lender

Name	EDGEWATER BANK
Type	Bank
Address	SAINT JOSEPH, MI 49085

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jul 1, 2035

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	2123 DERFLA DR, SAINT JOSEPH, MI 49085-9661
Transaction Type	Mortgage
Record Updated	Nov 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2123 DERFLA DR, SAINT JOSEPH, MI 49085-9661

Mortgage

Document Number	0003396/93
Date	Dec 30, 2022
Book Page	3396/93
Instrument	2022370307

Lender

Name	HONOR CU
Type	Credit Union
Address	BERRIEN SPRINGS, MI 49103

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	241 Months
Due	Jan 12, 2043

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 2123 Derfla Dr was $3,019 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		$187,400	$374,800
2025	$3,019.00
2023		$139,100	$278,200
2022	$2,676.00

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

Flood

FEMA maps place 2123 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 2123 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 96% of the US · lower than 91% 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 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

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