Home Michigan Berrien County Saint Joseph River Run Dr
285 River Run Dr, Saint Joseph, MI 49085 Property Records
Berrien County property record for 285 River Run Dr, Saint Joseph, MI 49085
Property Summary
Property Type Condominium Details 4.5 ba · 2,505 sqft · built 2007 Lot Size 1.53 acres (66,952 sqft) Owner 2 Individual Names on File Last Sale $835,000 (Feb 2026) Tax Bill $12,875 (2025) Deeds & Mortgages Jan 2021 Second Mortgage Dec 2007 Mortgage + 6 more Flood Zone Zone X (minimal risk)APN 17-6730-0013-00-5
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Property Details APN / Parcel Number
Primary APN 17-6730-0013-00-5 Alternative APN
Interior
Full Baths 4.5 Baths Half Baths 1 Half Bath Building Area 2,505 sqft Living Area 1st Floor Area 2,037 sqft Basement Area 2,037 sqft Unfinished Basement 2,037 sqft Fireplaces 1 Fireplace Fireplace Fireplace
Exterior
Year Built Built 2007 Effective Year Built Effective 2007 Architectural Style Condo/Apartment Lot Area 66,952 sqft (1.53 acres) Lot Dimensions 558 ft deep x 120 ft wide Garage Area 760 sqft Parking Spaces 3 Parking Spaces
Utilities, Heating & Cooling Cooling System HVAC Heating System Forced Air with A/C
Location & Zoning Street Address 285 RIVER RUN DR City SAINT JOSEPH State MI Zip 49085-8671 Property Category Residential Property Type Residential > Condominium / Townhouse > Condominium Local Zoning Code PUD Legal Description UNIT 13 RIVER RUN ESTATES CONDOMINIUM LIBER 149 PAGE 1 Legal Subdivision RIVER RUN ESTATES Legal Lot Number 13 Legal Unit 13 Jurisdiction BERRIEN MI Township / Civil Division ROYALTON Census Block Group 2 Census Block 2001 Census Tract 1800
Owner
285 River Run Dr, a condominium, is owned and occupied by two individuals who bought it in February 2026.
Source: Berrien County records, as of September 28, 2026
Owner of Record 2 Individual Names on File Mailing Address 285 RIVER RUN DR, SAINT JOSEPH, MI 49085-8671 Occupancy Owner Occupied Owner Type Individual Vesting Husband and Wife
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Deeds, Mortgages & Sale History
Date Document Jan 27, 2021 Deed of Trust, Mortgage · Stand-Alone Second Mortgage HONOR CU Dec 27, 2007 Deed of Trust, Mortgage HORIZON BANK NA Oct 25, 2012 Deed of Trust, Mortgage · ARM WELLS FARGO BANK NA May 22, 2014 Deed of Trust, Mortgage · Line of Credit WELLS FARGO BANK NA Dec 27, 2007 Deed of Trust, Mortgage · Line of Credit HORIZON BANK NA Feb 25, 2026 Warranty Deed, Transfer · Conventional Mortgage UNITED FCU Apr 24, 2023 Intrafamily Transfer, Transfer Aug 5, 2020 Warranty Deed, Transfer · Conventional Mortgage PLANET HOME LENDING LLC
Assessor's Deed Record
Deed Names 2 Names on Deed Last Sale Feb 25, 2026 · Amount on File Deed Sale Feb 25, 2026 · Amount on File Prior Sale Aug 5, 2020 · Amount on File Deed Document Number 2026452489 Deed Book / Page 3470 / 3905 Prior Transfer Date Dec 4, 2008 Prior Transfer Doc 02867/1643 Record Updated Oct 29, 2026
January 2021: Deed of Trust, Mortgage Document Type Deed of Trust Jurisdiction BERRIEN MI Property Address 285 RIVER RUN DR, SAINT JOSEPH, MI 49085-8671 Transaction Type Mortgage Record Updated Mar 20, 2026
Transferred To (Grantee/Buyer)
Mortgage
Document Number 03310/2551 Date Jan 27, 2021 Book Page 3310/2551
Lender
Name HONOR CU Type Credit Union Address BERRIEN SPRINGS, MI 49103
Agreement
Type Stand-Alone Second Mortgage Amount Amount on Record Term 60 Months Due Jan 25, 2026
December 2007: Deed of Trust, Mortgage Document Type Deed of Trust Jurisdiction BERRIEN MI Property Address 285 RIVER RUN DR, SAINT JOSEPH, MI 49085-8671 Transaction Type Mortgage Record Updated Mar 20, 2026
Transferred To (Grantee/Buyer)
Name Verified Name Investor Possibly a Property Investor
Mortgage
Document Number 02824/0080 Date Dec 27, 2007 Book Page 2824/0080
Lender
Name HORIZON BANK NA Type Bank Address MICHIGAN CITY, IN 46360
Agreement
Amount Amount on Record Term 361 Months Due Jan 1, 2038
Interest
Rate Type Adjustable Rate Rate 6.87% Adjustable Adjustable Rate Rider Type Change Date Jan 1, 2011 Change Frequency Annually Min Rate At Change 4.87% Max Rate At Change 8.87% Index 1-Year T-Bill Max Rate 12.8%
October 2012: Deed of Trust, Mortgage Document Type Deed of Trust Jurisdiction BERRIEN MI Property Address 285 RIVER RUN DR, SAINT JOSEPH, MI 49085-8671 Transaction Type Mortgage Record Updated Mar 20, 2026 Title Company MULTIPLE
Transferred To (Grantee/Buyer)
Mortgage
Document Number 03013/0519 Date Oct 25, 2012 Book Page 3013/0519
Lender
Name WELLS FARGO BANK NA Type Bank Address SIOUX FALLS, SD 57104
Agreement
Type ARM Amount Amount on Record Term 361 Months Due Nov 1, 2042
Interest
Rate Type Adjustable Rate Rate 2.62% Type Change Date Nov 1, 2019 Change Frequency Annually Min Rate At Change 2.25% Max Rate At Change 7.62% Index 1-Year LIBOR Max Rate 7.62%
May 2014: Deed of Trust, Mortgage Document Type Deed of Trust Jurisdiction BERRIEN MI Property Address 285 RIVER RUN DR, SAINT JOSEPH, MI 49085-8671 Transaction Type Mortgage Record Updated Mar 20, 2026 Title Company AMERICAN TITLE COMPANY, AMERICAN TITLE INC
Transferred To (Grantee/Buyer)
Mortgage
Document Number 03071/2974 Date May 22, 2014 Book Page 3071/2974
Lender
Name WELLS FARGO BANK NA Type Bank Address SIOUX FALLS, SD 57104
Agreement
Type Line of Credit Amount Amount on Record Term 360 Months Due May 11, 2044
Interest
Rate Type Adjustable Rate Change Frequency Monthly
December 2007: Deed of Trust, Mortgage Document Type Deed of Trust Jurisdiction BERRIEN MI Property Address 285 RIVER RUN DR, SAINT JOSEPH, MI 49085-8671 Transaction Type Mortgage Record Updated Mar 20, 2026
Transferred To (Grantee/Buyer)
Name Verified Name Investor Possibly a Property Investor
Mortgage
Document Number 02824/0103 Date Dec 27, 2007 Book Page 2824/0103
Lender
Name HORIZON BANK NA Type Bank Address MICHIGAN CITY, IN 46360
Agreement
Type Line of Credit Amount Amount on Record Term 120 Months Due Dec 17, 2017
Interest
Rate Type Adjustable Rate Change Frequency Monthly
February 2026: Warranty Deed, Transfer Document Type Warranty Deed Jurisdiction BERRIEN MI Recording Date Feb 25, 2026 Property Address 285 RIVER RUN DR, SAINT JOSEPH, MI 49085-8671 Document Number 03470/3905 Book / Page 3470 / 3905 Map Reference LB 149 PG 1 Instrument Date Feb 17, 2026 Instrument 2026452489 Transaction Type Transfer Record Updated Mar 20, 2026 Title Company CHICAGO TITLE MERIDIAN, CHICAGO TITLE OF MI INC
Transaction
Amount Amount on Record Downpayment Downpayment on Record Loan-to-Value (LTV) LTV on Record Tax $6,262.50 Amount Accuracy Full Amount Stated Additional
Transferred From (Grantor/Seller)
Name Verified Name Address 605 N MICHIGAN AVE, CHICAGO, IL 60611-3141
Transferred To (Grantee/Buyer)
Name Verified Name Address 285 RIVER RUN DR, SAINT JOSEPH, MI 49085-8671
Mortgage
Document Number 0034703909 Date Feb 25, 2026 Instrument 3470/3909
Lender
Name UNITED FCU Type Credit Union
Agreement
Type Conventional Mortgage Amount Amount on Record Term 361 Months Due Mar 1, 2056
April 2023: Intrafamily Transfer, Transfer Document Type Intrafamily Transfer Jurisdiction BERRIEN MI Recording Date Apr 24, 2023 Property Address 285 RIVER RUN DR, SAINT JOSEPH, MI 49085-8671 Document Number 03402/3443 Book / Page 3402 / 3443 Map Reference LB 149 PG 1 Instrument Date Apr 24, 2023 Instrument 2023379345 Transaction Type Transfer Record Updated Nov 9, 2023
Transaction
Tax $0.00 Amount Accuracy Transfer Tax Exempt Additional
Transferred From (Grantor/Seller)
Name Verified Name Address 285 RIVER RUN DR, SAINT JOSEPH, MI 49085-8671
Transferred To (Grantee/Buyer)
Name Verified Name Address 285 RIVER RUN DR, SAINT JOSEPH, MI 49085-8671
August 2020: Warranty Deed, Transfer Document Type Warranty Deed Jurisdiction BERRIEN MI Recording Date Aug 5, 2020 Property Address 285 RIVER RUN DR, SAINT JOSEPH, MI 49085-8671 Document Number 03285/1299 Book / Page 3285 / 1299 Map Reference LB 149 PG 1 Instrument Date Jul 8, 2020 Transaction Type Transfer Record Updated Nov 9, 2023 Title Company FIRST AMERICAN TITLE
Transaction
Amount Amount on Record Downpayment Downpayment on Record Loan-to-Value (LTV) LTV on Record Tax $5,762.00 Amount Accuracy Full Amount Stated Additional
Transferred From (Grantor/Seller)
Transferred To (Grantee/Buyer)
Name Verified Name Address 285 RIVER RUN DR, SAINT JOSEPH, MI 49085-8671
Mortgage
Document Number 0032851300 Date Aug 5, 2020 Instrument 3285/1300
Lender
Name PLANET HOME LENDING LLC Type Mortgage Company
Agreement
Type Conventional Mortgage Amount Amount on Record Term 360 Months Due Aug 1, 2050
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Tax Assessment & Valuation
The 2025 property tax bill for 285 River Run Dr was $12,875, down 1% from the year before.
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 $305,400 (+0.93%) $610,800 (+0.93%) 2025 $12,875.00 (-1.01%) $302,600 $605,200 2024 $13,006.00 2023 $286,500 $573,000 2022 $8,621.00
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.
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Tax and assessment analysis, valuation & comps, ownership context, and lien insights — all in one PDF. See a sample report →
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Flood
FEMA maps place 285 River Run Dr in Zone X, an area of minimal flood risk, within 100 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 Xminimal risk Nearest Special Flood Hazard Area Zone AE, within 100 ft Flood Insurance Requirement Not requiredlenders may require it Nearby Flood Claims 1 (1979) Most Recent Claim Apr 1979 · tidal / storm surge
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 285 River Run 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 Lowlower than 95% of the US · lower than 89% of Michigan Wildfire Likelihood Under 0.01% annual chance Exposure Directburnable 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 SEWserves 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 Nonelast 10 years Treatment and Procedure Nonelast 10 years Monitoring and Reporting 1last 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 117 locations within half a mile, as of December 31, 2025
Provider Max Down / Up (Mbps) XfinityCable 1,200 / 35 VerizonFixed Wireless 300 / 20 T-MobileFixed Wireless 100 / 20
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