2805 Veronica Dr, Saint Joseph, MI 49085 Property Records

Berrien County property record for 2805 Veronica Dr, Saint Joseph, MI 49085

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,900 sqft · built 1958
Lot Size	0.346 acres (15,072 sqft)
Owner	Individual Name on File
Tax Bill	$4,945 (2025)
Deeds & Mortgages	Apr 2026 Line of Credit Jul 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`76-8250-0008-00-2`

Property Details

APN / Parcel Number

Primary APN	`76-8250-0008-00-2`
Alternative APN	`11-76-8250-0008-00-2`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Building Area	1,900 sqft Living Area
1st Floor Area	1,900 sqft
Basement Area	1,900 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1958
Architectural Style	Raised Ranch
Lot Area	15,072 sqft (0.346 acres)
Lot Dimensions	201 ft deep x 75 ft wide
Garage Area	640 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2805 VERONICA DR
City	SAINT JOSEPH
State	MI
Zip	49085-2336
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1 - A
Legal Description	LOT 8 ASSESSORS PLAT OF VAN LENTE SUBDN
Legal Subdivision	VAN LENTE SUB
Legal Lot Number	8
Legal Unit	8
Jurisdiction	BERRIEN MI
Township / Civil Division	ST. JOSEPH
Census Block Group	1
Census Block	1007
Census Tract	900

Owner

2805 Veronica Dr is owned and occupied by an individual who acquired it in July 1997.

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

Owner of Record	Individual Name on File
Mailing Address	2805 VERONICA DR, SAINT JOSEPH, MI 49085-2336
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 7, 2026	Deed of Trust, Mortgage · Line of Credit BANK OF AMIERCA NA
Jul 19, 2019	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 11, 1997
Deed Sale	Jul 11, 1997
Prior Sale	Dec 22, 1994 · Amount on File
Deed Book / Page	1822 / 1457
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Recording Date	Apr 7, 2026
Property Address	2805 VERONICA DR, SAINT JOSEPH, MI 49085-2336
Document Number	0000457778
Book / Page	3474 / 1375
Instrument Date	Mar 31, 2026
Instrument	2026457778
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety, 298
Address	2805 VERONICA DR, SAINT JOSEPH, MI 49085-2336

Mortgage

Document Number	0000457778,
Date	Apr 7, 2026
Book Page	3474/1375
Instrument	2026457778

Lender

Name	BANK OF AMIERCA NA

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Mar 31, 2056

Interest

Rate	6%
Max Rate	-1%

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	2805 VERONICA DR, SAINT JOSEPH, MI 49085-2336
Transaction Type	Mortgage
Record Updated	Nov 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	03243/3284
Date	Jul 19, 2019
Book Page	3243/3284

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 2805 Veronica Dr was $4,945 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		$180,300 (+4.34%)	$360,600 (+4.34%)
2025	$4,945.00 (+2.44%) Homeowner's exemption	$172,800	$345,600
2024	$4,827.00
2023		$130,100	$260,200
2022	$4,418.00

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

Flood

FEMA maps place 2805 Veronica Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force
Nearby Flood Claims	2 (1991–2007)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Aug 2007 · rainfall accumulation

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 2805 Veronica 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 98% of the US · lower than 95% 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.

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 241 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless, DSL 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.

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