2946 Windsor Dr, Saint Joseph, MI 49085 Property Records

Berrien County property record for 2946 Windsor Dr, Saint Joseph, MI 49085

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,600 sqft · built 1965
Lot Size	0.573 acres (24,960 sqft)
Owner	2 Individual Names on Record
Last Sale	$380,000 (Aug 2026)
Tax Bill	$5,268 (2025)
Deeds & Mortgages	Aug 2026 Mortgage Aug 2026 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`18-3100-0014-00-0`

Property Details

APN / Parcel Number

Primary APN	`18-3100-0014-00-0`
Alternative APN	`11-18-3100-0014-00-0`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	2,600 sqft Living Area
1st Floor Area	1,300 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1965
Architectural Style	Bi-Level
Lot Area	24,960 sqft (0.573 acres)
Lot Depth	195 ft Depth
Garage Area	949 sqft
Parking Spaces	4 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2946 WINDSOR DR
City	SAINT JOSEPH
State	MI
Zip	49085-9484
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2 - SINGL
Legal Description	LOT 14 HICKORY TERRACE ALSO PT OF LOT 13 SD SUB DES AS COM AT NE'LY COR LOT 13 TH S10 DEG 38'E 179.76' TH N22 DEG 22'W 189.15' N87 DEG 24' E 38.85'TO POB
Legal Subdivision	HICKORY TERRACE
Legal Lot Number	13-14
Jurisdiction	BERRIEN MI
Township / Civil Division	ST. JOSEPH
Census Block Group	2
Census Block	2011
Census Tract	1100

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	2946 WINDSOR DR, SAINT JOSEPH, MI 49085-9484
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Aug 5, 2026	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Aug 13, 2026	Warranty Deed, Transfer NONE LISTED ON DOCUMENT
Jan 13, 2022	Warranty Deed, Transfer · Conventional Mortgage UNITED FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 13, 2026 · Amount on Record
Deed Sale	Aug 13, 2026 · Amount on Record
Prior Sale	Jan 13, 2022 · Amount on Record
Deed Document Number	2026468079
Deed Book / Page	3485 / 42
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Recording Date	Aug 5, 2026
Property Address	2946 WINDSOR DR, SAINT JOSEPH, MI 49085-9484
Document Number	0000467485
Book / Page	3484 / 1656
Instrument Date	Jul 31, 2026
Instrument	2026467485
Transaction Type	Mortgage
Record Updated	Aug 24, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1449 BRECKENRIDGE DR, AMELIA, OH 45102-1171

Mortgage

Document Number	0000467485,
Date	Aug 5, 2026
Book Page	3484/1656
Instrument	2026467485

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BERRIEN MI
Recording Date	Aug 13, 2026
Property Address	2946 WINDSOR DR, SAINT JOSEPH, MI 49085-9484
Document Number	0000468079
Book / Page	3485 / 42
Instrument Date	Jul 30, 2026
Instrument	2026468079
Transaction Type	Transfer
Record Updated	Aug 28, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Tax	$287,850.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	2946 WINDSOR DR, SAINT JOSEPH, MI 49085-9484

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BERRIEN MI
Recording Date	Jan 13, 2022
Property Address	2946 WINDSOR DR, SAINT JOSEPH, MI 49085-9484
Document Number	03360/1676
Book / Page	3360 / 1676
Map Reference	VOL 15 PG 9
Instrument Date	Jan 7, 2022
Instrument	2022340460
Transaction Type	Transfer
Record Updated	Nov 9, 2023
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,040.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2946 WINDSOR DR, SAINT JOSEPH, MI 49085-9484

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2946 WINDSOR DR, SAINT JOSEPH, MI 49085-9484

Mortgage

Document Number	0033601678
Date	Jan 13, 2022
Instrument	3360/1678

Lender

Name	UNITED FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Michigan
County	Berrien County
County Subdivision	St. Joseph Charter Township
Unified School District	St. Joseph Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$182,200 (+1%)	$364,400 (+1%)
2025	$5,268.00 (+2.97%) Homeowner's exemption	$180,400 (+17.99%)	$360,800 (+17.99%)
2024	$5,116.00 (+97.22%)
2023		$152,900	$305,800
2022	$2,594.00

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

Source: FEMA National Flood Hazard Layer, effective September 10, 2024

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

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 184 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.

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