2909 Thayer Dr, Saint Joseph, MI 49085 Property Records

Berrien County property record for 2909 Thayer Dr, Saint Joseph, MI 49085

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,743 sqft · built 1964
Lot Size	0.23 acres (10,019 sqft)
Owner	Trust Name on File
Last Sale	$211,350 (Jul 2018)
Tax Bill	$5,314 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Sep 2023 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`76-3450-0011-00-9`

Property Details

APN / Parcel Number

Primary APN	`76-3450-0011-00-9`
Alternative APN	`11-76-3450-0011-00-9`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,743 sqft Living Area
1st Floor Area	1,743 sqft
Basement Area	1,435 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1964
Effective Year Built	Effective 1964
Lot Area	10,019 sqft (0.23 acres)
Lot Dimensions	125 ft deep x 80 ft wide
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2909 THAYER DR
City	SAINT JOSEPH
State	MI
Zip	49085-2515
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1 - A
Legal Description	LOT 11 IRISH HILLS
Legal Subdivision	IRISH HILLS
Legal Lot Number	11
Legal Unit	11
Jurisdiction	BERRIEN MI
Township / Civil Division	ST. JOSEPH
Census Block Group	2
Census Block	2024
Census Tract	1000

Owner

2909 Thayer Dr is owner-occupied and held in a trust since September 2023.

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

Owner of Record	Trust Name on File
Mailing Address	2909 THAYER DR, SAINT JOSEPH, MI 49085-2515
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

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
Aug 25, 2021	Deed of Trust, Mortgage · Conventional Mortgage HORIZON BANK
Sep 1, 2023	Intrafamily Transfer, Transfer
Jul 9, 2018	Warranty Deed, Transfer · Conventional Mortgage CMG MORTGAGE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 9, 2018 · Amount on File
Deed Sale	Jul 9, 2018 · Amount on File
Prior Sale	Jul 9, 2018 · Amount on File
Deed Book / Page	3210 / 2939
Last Transfer Date	Sep 1, 2023
Transfer Doc	003411/800
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	2909 THAYER DR, SAINT JOSEPH, MI 49085-2515
Transaction Type	Mortgage
Record Updated	Nov 9, 2023
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2909 THAYER DR, SAINT JOSEPH, MI 49085-2515

Mortgage

Document Number	03341/1505
Date	Aug 25, 2021
Book Page	3341/1505

Lender

Name	HORIZON BANK
Type	Bank
Address	MICHIGAN CITY, IN 46360

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2051

September 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BERRIEN MI
Recording Date	Sep 1, 2023
Property Address	2909 THAYER DR, SAINT JOSEPH, MI 49085-2515
Document Number	003411/800
Book / Page	3411 / 800
Map Reference	LB 14 PG 14
Instrument Date	Aug 15, 2023
Instrument	2023388107
Transaction Type	Transfer
Record Updated	Nov 9, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	2909 THAYER DR, SAINT JOSEPH, MI 49085-2515

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BERRIEN MI
Recording Date	Jul 9, 2018
Property Address	2909 THAYER DR, SAINT JOSEPH, MI 49085-2515
Document Number	03210/2939
Book / Page	3210 / 2939
Map Reference	LB014 PG14
Instrument Date	Jul 2, 2018
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	$1,818.90
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	2909 THAYER DR, SAINT JOSEPH, MI 49085-2515

Mortgage

Document Number	03210/2089
Date	Jul 6, 2018
Book Page	3210/2089

Lender

Name	CMG MORTGAGE INC
Type	Mortgage Company
Address	SAN RAMON, CA 94583

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 2909 Thayer Dr was $5,314 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		$171,700 (+3.68%)	$343,400 (+3.68%)
2025	$5,314.00 (+2.45%) Homeowner's exemption	$165,600	$331,200
2024	$5,187.00
2023		$124,000 (+0.49%)	$248,000 (+0.49%)
2022	$4,747.00 (+3.74%) Homeowner's exemption	$123,400	$246,800
2021	$4,576.00

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

Flood

FEMA maps place 2909 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

The area around 2909 Thayer Dr has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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 269 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	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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