2154 Derfla Dr, Saint Joseph, MI 49085 Property Records

Berrien County property record for 2154 Derfla Dr, Saint Joseph, MI 49085

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,495 sqft · built 1994
Lot Size	0.312 acres (13,591 sqft)
Owner	Individual Name on Record
Last Sale	$229,000 (Jul 2020)
Tax Bill	$3,316 (2025)
Deeds & Mortgages	Jul 2020 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`17-7210-0071-00-4`

Property Details

APN / Parcel Number

Primary APN	`17-7210-0071-00-4`
Alternative APN	`11-17-7210-0071-00-4`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,495 sqft Living Area
1st Floor Area	1,196 sqft

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Lot Area	13,591 sqft (0.312 acres)
Lot Dimensions	160 ft deep x 85 ft wide
Garage Area	600 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2154 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 71 SHADY SHORES NO 1
Legal Subdivision	SHADY SHORES SUBDIVISION #1
Legal Lot Number	71
Legal Unit	71
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	Individual Name on Record
Mailing Address	2154 DERFLA DR, SAINT JOSEPH, MI 49085-9661
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 13, 2020 · Amount on Record
Deed Sale	Jul 13, 2020 · Amount on Record
Prior Sale	Apr 29, 2013 · Amount on Record
Deed Book / Page	3282 / 808
Prior Transfer Date	Oct 5, 2012
Prior Transfer Doc	03023/0190
Record Updated	Oct 29, 2026

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BERRIEN MI
Recording Date	Jul 13, 2020
Property Address	2154 DERFLA DR, SAINT JOSEPH, MI 49085-9661
Document Number	003282/808
Book / Page	3282 / 808
Map Reference	LB 16 PG 36
Instrument Date	Jul 9, 2020
Transaction Type	Transfer
Record Updated	Nov 9, 2023
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,969.40
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2154 DERFLA DR, SAINT JOSEPH, MI 49085-9661

Mortgage

Document Number	0003282809
Date	Jul 13, 2020
Instrument	3282/809

Lender

Name	MID-AMERICAN MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2050

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		$234,200 (+68.61%)	$468,400 (+68.61%)
2025	$3,316.00 (+12.83%)
2023		$138,900	$277,800
2022	$2,939.00

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 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 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 93% of the US · lower than 83% 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 74 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20
Mercury Fiber Fixed Wireless	150 / 20