2602 Thayer Dr, Saint Joseph, MI 49085 Property Records

Berrien County property record for 2602 Thayer Dr, Saint Joseph, MI 49085

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,137 sqft · built 1946
Lot Size	0.115 acres (5,009 sqft)
Owner	Individual Name on File
Last Sale	$169,000 (Jun 2020)
Tax Bill	$3,359 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Nov 2022 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`76-3100-0064-00-0`

Property Details

APN / Parcel Number

Primary APN	`76-3100-0064-00-0`
Alternative APN	`11-76-3100-0064-00-0`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,137 sqft Living Area
1st Floor Area	765 sqft
Basement Area	765 sqft

Exterior

Year Built	Built 1946
Effective Year Built	Effective 1946
Lot Area	5,009 sqft (0.115 acres)
Lot Dimensions	100 ft deep x 50 ft wide
Garage Area	280 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2602 THAYER DR
City	SAINT JOSEPH
State	MI
Zip	49085-2032
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1 - A
Legal Description	LOT 64 HOMEWOOD TERRACE
Legal Subdivision	HOMEWOOD TERRACE
Legal Lot Number	64
Legal Unit	64
Jurisdiction	BERRIEN MI
Township / Civil Division	ST. JOSEPH
Census Block Group	2
Census Block	2009
Census Tract	1000

Owner

2602 Thayer Dr is owned and occupied by an individual who bought it in June 2020.

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

Owner of Record	Individual Name on File
Mailing Address	2602 THAYER DR, SAINT JOSEPH, MI 49085-2032
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
Apr 10, 2026	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Nov 10, 2022	Deed of Trust, Mortgage · Line of Credit UNITED FCU
Jun 10, 2020	Warranty Deed, Transfer · FHA Mortgage RUOFF MORTGAGE COMPANY INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 10, 2020 · Amount on File
Deed Sale	Jun 10, 2020 · Amount on File
Prior Sale	Mar 21, 2013 · Amount on File
Deed Book / Page	3278 / 421
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Recording Date	Apr 10, 2026
Property Address	2602 THAYER DR, SAINT JOSEPH, MI 49085-2032
Document Number	0000458038
Book / Page	3474 / 2699
Instrument Date	Apr 2, 2026
Instrument	2026458038
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2602 THAYER DR, SAINT JOSEPH, MI 49085-2032

Mortgage

Document Number	0000458038,
Date	Apr 10, 2026
Book Page	3474/2699
Instrument	2026458038

Lender

Name	PENNYMAC LOAN SERVICES LLC

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate	6%
Max Rate	-1%

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	2602 THAYER DR, SAINT JOSEPH, MI 49085-2032
Transaction Type	Mortgage
Record Updated	Nov 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	03391/2553
Date	Nov 10, 2022
Book Page	3391/2553
Instrument	2022366902

Lender

Name	UNITED FCU
Type	Credit Union
Address	SAINT JOSEPH, MI 49085

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	112 Months
Due	Mar 25, 2032

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BERRIEN MI
Recording Date	Jun 10, 2020
Property Address	2602 THAYER DR, SAINT JOSEPH, MI 49085-2032
Document Number	003278/421
Book / Page	3278 / 421
Map Reference	LB 11 PG 23
Instrument Date	May 2, 2020
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	$1,453.40
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2602 THAYER DR, SAINT JOSEPH, MI 49085-2032

Mortgage

Document Number	0003278422
Date	Jun 10, 2020
Instrument	3278/422

Lender

Name	RUOFF MORTGAGE COMPANY INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 2602 Thayer Dr was $3,359 with a homeowner's exemption, up 2.4% from the year before.

Source: Berrien County assessment roll, as of September 28, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Berrien County
Municipality	St. Joseph City
Unified School District	St. Joseph Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$110,700 (+11.37%)	$221,400 (+11.37%)
2025	$3,359.00 (+2.44%) Homeowner's exemption	$99,400	$198,800
2024	$3,279.00
2023		$77,300	$154,600
2022	$3,253.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 2602 Thayer Dr in Zone X, an area of minimal flood risk.

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 minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

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 2602 Thayer 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 99.1% of the US · lower than 98.4% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	SOUTHWEST MICHIGAN REGIONAL SANITARY SEW serves 26,780 people · EPA ID MI0003726
Water Source	Purchased surface water from ST JOSEPH
Last State Inspection	Feb 2025
Lead	1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 470 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL · Fixed Wireless in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Mercury Fiber.

Nearby Properties on Thayer Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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