29 Derfla Dr, Saint Joseph, MI 49085 Property Records

Berrien County property record for 29 Derfla Dr, Saint Joseph, MI 49085

Property Summary

Property Type	Residential Vacant Land
Lot Size	0.172 acres (7,492 sqft)
Owner	Individual Name on File
Last Sale	$169,500 (Mar 2022)
Tax Bill	$73 (2025)
Deeds & Mortgages	Jan 2023 Line of Credit Mar 2022 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`17-7200-0029-00-1`

Property Details

APN / Parcel Number

Primary APN	`17-7200-0029-00-1`
Alternative APN	`11-17-7200-0029-00-1`

Exterior

Lot Area	7,492 sqft (0.172 acres)
Lot Dimensions	125 ft deep x 60 ft wide

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	DERFLA DR
City	SAINT JOSEPH
State	MI
Zip	49085
Property Category	Residential
Property Type	Vacant Land > Residential
Local Zoning Code	R1 - LD
Legal Description	LOT 29 SHADY SHORES
Legal Subdivision	SHADY SHORES
Legal Lot Number	29
Legal Unit	29
Jurisdiction	BERRIEN MI
Township / Civil Division	ROYALTON
Census Block Group	3
Census Block	3001
Census Tract	1800

Owner

29 Derfla Dr, residential vacant land, is owned by an individual who bought it in March 2022.

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

Owner of Record	Individual Name on File
Mailing Address	1880 DERFLA DR, SAINT JOSEPH, MI 49085-9637
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
Jan 26, 2023	Deed of Trust, Mortgage · Line of Credit UNITED FCU
Mar 17, 2022	Warranty Deed, Transfer · Conventional Mortgage UNITED FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 17, 2022 · Amount on File
Deed Sale	Mar 17, 2022 · Amount on File
Prior Sale	May 24, 2005
Deed Document Number	2022346749
Deed Book / Page	3367 / 1886
Record Updated	Oct 29, 2026

January 2023: Deed of Trust, Mortgage

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

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1880 DER A DR, ST JOSEPH, MI 49085

Mortgage

Document Number	03397/1793
Date	Jan 26, 2023
Book Page	3397/1793
Instrument	2023371839

Lender

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

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Jan 25, 2033

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BERRIEN MI
Recording Date	Mar 17, 2022
Property Address	DERFLA DR, SAINT JOSEPH, MI 49085
Document Number	03367/1886
Book / Page	3367 / 1886
Map Reference	LB 14 PG 18
Instrument Date	Mar 11, 2022
Instrument	2022346749
Transaction Type	Transfer
Record Updated	Nov 9, 2023
Title Company	CHICAGO TITLE/MI, CHICAGO TITLE OF MI INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,271.25
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1880 DER A DR, SAINT JOSEPH, MI 49085

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1603 W 3RD ST, DIXON, IL 61021-2624

Mortgage

Document Number	0033671760
Date	Mar 17, 2022
Instrument	3367/1760

Lender

Name	UNITED FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 29 Derfla Dr was $73.

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		$12,400	$24,800
2025	$73.00
2023		$7,100	$14,200
2022	$83.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 29 Derfla Dr in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

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 File 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

Wildfire risk around 29 Derfla 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 97% of the US · lower than 93% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 46 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
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Mercury Fiber.

Cell Coverage

5G (outdoors only) and 4G LTE

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