Berrien County property record for 2137 Derfla Dr, Saint Joseph, MI 49085
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1.5 ba · 1,964 sqft · built 1970 |
| Lot Size | 0.586 acres (25,526 sqft) |
| Owner | Trust Name on Record |
| Last Sale | $100 (Feb 1996) |
| Tax Bill | $3,743 (2025) |
| Deeds & Mortgages | Oct 2024 Line of Credit Nov 2023 Line of Credit |
| Flood Zone | Zone AE (high risk) |
| APN | 17-7210-0061-00-9 |
| Primary APN | 17-7210-0061-00-9 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 1,964 sqft Living Area |
| 1st Floor Area | 1,964 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1970 |
|---|---|
| Effective Year Built | Effective 1970 |
| Architectural Style | Raised Ranch |
| Lot Area | 25,526 sqft (0.586 acres) |
| Lot Dimensions | 192 ft deep x 133 ft wide |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Heating System | Heat Pump |
|---|
| Street Address | 2137 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 61 SHADY SHORES NO 1 |
| Legal Subdivision | SHADY SHORES #1 |
| Legal Lot Number | 61 |
| Legal Unit | 61 |
| Jurisdiction | BERRIEN MI |
| Township / Civil Division | ROYALTON |
| Census Block Group | 3 |
| Census Block | 3001 |
| Census Tract | 1800 |
Source: Berrien County records, as of September 28, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Trust Name on Record |
|---|---|
| Mailing Address | 2137 DERFLA DR, SAINT JOSEPH, MI 49085-9661 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Trust |
| Date | Document |
|---|---|
| Oct 1, 2024 | Deed of Trust, Mortgage · Line of Credit STIFEL BANK & TRUST |
| Nov 9, 2023 | Deed of Trust, Mortgage · Line of Credit STIFEL BANK & TRUST |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 27, 1996 · Amount on Record |
| Deed Sale | Feb 27, 1996 · Amount on Record |
| Prior Sale | Jul 3, 1989 |
| Deed Book / Page | 1737 / 867 |
| Last Transfer Date | Jun 1, 2012 |
| Transfer Doc | 02996/3347 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERRIEN MI |
| Property Address | 2137 DERFLA DR, SAINT JOSEPH, MI 49085-9661 |
| Transaction Type | Mortgage |
| Record Updated | Jun 5, 2026 |
| Name | Verified Name |
|---|
| Document Number | 03435/2691 |
|---|---|
| Date | Oct 1, 2024 |
| Book Page | 3435/2691 |
| Instrument | 2024415332 |
| Name | STIFEL BANK & TRUST |
|---|---|
| Type | Bank |
| Address | SAINT LOUIS, MO 63141 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Oct 15, 2034 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERRIEN MI |
| Property Address | 2137 DERFLA DR, SAINT JOSEPH, MI 49085-9661 |
| Transaction Type | Mortgage |
| Record Updated | Nov 28, 2023 |
| Name | Verified Name |
|---|
| Document Number | 03415/2583 |
|---|---|
| Date | Nov 9, 2023 |
| Book Page | 3415/2583 |
| Instrument | 2023392614 |
| Name | STIFEL BANK & TRUST |
|---|---|
| Type | Bank |
| Address | SAINT LOUIS, MO 63141 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Nov 15, 2033 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Berrien County assessment roll, as of September 28, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Berrien County |
| County Subdivision | Royalton Township |
| Unified School District | St. Joseph Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $280,100 (+19.65%) | $560,200 (+19.65%) | |
| 2025 | $3,743.00 (+2.35%) Homeowner's exemption | $234,100 (+32.48%) | $468,200 (+32.48%) |
| 2024 | $3,657.00 (+10.25%) | ||
| 2023 | $176,700 | $353,400 | |
| 2022 | $3,317.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | Yes |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record 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.
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.
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 |
5G (outdoors only) and 4G LTE
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