2147 Derfla Dr, Saint Joseph, MI 49085 Property Records

Berrien County property record for 2147 Derfla Dr, Saint Joseph, MI 49085

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,231 sqft · built 1961
Lot Size	0.367 acres (15,987 sqft)
Owner	2 Individual Names on Record
Last Sale	$369,900 (Jun 2019)
Tax Bill	$7,832 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Oct 2021 Second Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`17-7210-0066-00-1`

Property Details

APN / Parcel Number

Primary APN	`17-7210-0066-00-1`
Alternative APN	`11-17-7210-0066-00-1`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,231 sqft Living Area
1st Floor Area	2,226 sqft
Basement Area	2,226 sqft
Unfinished Basement	2,226 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1961
Effective Year Built	Effective 1961
Lot Area	15,987 sqft (0.367 acres)
Lot Dimensions	160 ft deep x 100 ft wide
Garage Area	648 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2147 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 66 SHADY SHORES NO 1
Legal Subdivision	SHADY SHORES NUMBER 1
Legal Lot Number	66
Legal Unit	66
Jurisdiction	BERRIEN MI
Township / Civil Division	ROYALTON
Census Block Group	3
Census Block	3001
Census Tract	1800

Owner

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	2 Individual Names on Record
Mailing Address	2147 DERFLA DR, SAINT JOSEPH, MI 49085-9661
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 3, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIRST FSLA OF LAKEWOOD
Oct 11, 2021	Deed of Trust, Mortgage · Stand-Alone Second Mortgage HONOR CU
Jun 21, 2019	Warranty Deed, Transfer · Conventional Mortgage FIRST FSLA OF LAKEWOOD

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 21, 2019 · Amount on Record
Deed Sale	Jun 21, 2019 · Amount on Record
Prior Sale	Mar 7, 2002 · Amount on Record
Deed Book / Page	3241 / 1305
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	2147 DERFLA DR, SAINT JOSEPH, MI 49085-9661
Transaction Type	Mortgage
Record Updated	Nov 9, 2023
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	003312/169
Date	Feb 3, 2021
Book Page	3312/169

Lender

Name	FIRST FSLA OF LAKEWOOD
Type	Bank
Address	LAKEWOOD, OH 44107

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2051

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	2147 DERFLA DR, SAINT JOSEPH, MI 49085-9661
Transaction Type	Mortgage
Record Updated	Nov 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2147 DERFLA DR, SAINT JOSEPH, MI 49085-9661

Mortgage

Document Number	003348/540
Date	Oct 11, 2021
Book Page	3348/540

Lender

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

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Oct 5, 2036

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BERRIEN MI
Recording Date	Jun 21, 2019
Property Address	2147 DERFLA DR, SAINT JOSEPH, MI 49085-9661
Document Number	03241/1305
Book / Page	3241 / 1305
Map Reference	LB 16 PG 36
Instrument Date	Jun 14, 2019
Transaction Type	Transfer
Record Updated	Nov 9, 2023
Title Company	NOT AVAILABLE, FAT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,182.00
Amount Accuracy	Full Amount 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	2147 DERFLA DR, SAINT JOSEPH, MI 49085-9661

Mortgage

Document Number	0032411306
Date	Jun 21, 2019
Instrument	3241/1306

Lender

Name	FIRST FSLA OF LAKEWOOD
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2049

Tax Assessment & Valuation

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		$357,400 (+63.57%)	$714,800 (+63.57%)
2025	$7,832.00 (+72.36%)
2023		$218,500	$437,000
2022	$4,544.00

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

Flood

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

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 87% of Michigan
Wildfire Likelihood	Under 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

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