3068 Windsor Dr, Saint Joseph, MI 49085 Property Records

Berrien County property record for 3068 Windsor Dr, Saint Joseph, MI 49085

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,347 sqft · built 1968
Lot Size	0.413 acres (17,990 sqft)
Owner	Individual Name on File
Last Sale	$192,500 (Dec 2017)
Tax Bill	$4,024 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Dec 2017 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`18-3100-0004-00-4`

Property Details

APN / Parcel Number

Primary APN	`18-3100-0004-00-4`
Alternative APN	`11-18-3100-0004-00-4`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,347 sqft Living Area
1st Floor Area	1,347 sqft
Basement Area	1,347 sqft
Unfinished Basement	1,347 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1968
Architectural Style	Raised Ranch
Lot Area	17,990 sqft (0.413 acres)
Lot Dimensions	190 ft deep x 94 ft wide
Garage Area	626 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3068 WINDSOR DR
City	SAINT JOSEPH
State	MI
Zip	49085-9485
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2 - SINGL
Legal Description	LOT 4 HICKORY TERRACE
Legal Subdivision	HICKORY TERRACE
Legal Lot Number	4
Legal Unit	4
Jurisdiction	BERRIEN MI
Township / Civil Division	ST. JOSEPH
Census Block Group	2
Census Block	2011
Census Tract	1100

Owner

3068 Windsor Dr is owned and occupied by an individual who bought it in December 2017.

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

Owner of Record	Individual Name on File
Mailing Address	3068 WINDSOR DR, SAINT JOSEPH, MI 49085-9485
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
Mar 11, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNION HOME MORTGAGE CORP
Dec 15, 2017	Warranty Deed, Transfer · FHA Mortgage UNION HOME MORTGAGE CORP
Dec 21, 2017	Intrafamily Transfer, Transfer
Jun 9, 2017	Quit Claim Deed, Transfer · Line of Credit UNITED FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 15, 2017 · Amount on File
Deed Sale	Dec 15, 2017 · Amount on File
Deed Document Number	20173192-1545
Deed Book / Page	3192 / 1545
Prior Transfer Date	May 9, 2017
Prior Transfer Doc	03174/1189
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	3068 WINDSOR DR, SAINT JOSEPH, MI 49085-9485
Transaction Type	Mortgage
Record Updated	Nov 9, 2023
Title Company	ATA NATIONAL TITLE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	003317/860
Date	Mar 11, 2021
Book Page	3317/860

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company
Address	STRONGSVILLE, OH 44136

Agreement

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

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BERRIEN MI
Recording Date	Dec 15, 2017
Property Address	3068 WINDSOR DR, SAINT JOSEPH, MI 49085-9485
Document Number	03192/1545
Book / Page	3192 / 1545
Map Reference	MB15 PG9
Instrument Date	Dec 7, 2017
Instrument	3192-1545
Transaction Type	Transfer
Record Updated	Nov 9, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,655.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3086 WINDSOR DR, SAINT JOSEPH, MI 49085-9485

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5050 NOTRE DAME AVE, STEVENSVILLE, MI 49127-9215

Mortgage

Document Number	0031921546
Date	Dec 15, 2017
Instrument	3192-1546

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2048

December 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BERRIEN MI
Recording Date	Dec 21, 2017
Property Address	3068 WINDSOR DR, SAINT JOSEPH, MI 49085-9485
Document Number	03193/0395
Book / Page	3193 / 0395
Map Reference	MB15 PG9
Instrument Date	Nov 14, 2017
Instrument	3193-0395
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
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3068 WINDSOR DR, SAINT JOSEPH, MI 49085-9485

June 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BERRIEN MI
Recording Date	Jun 9, 2017
Property Address	3068 WINDSOR DR, SAINT JOSEPH, MI 49085-9485
Document Number	03174/1189
Book / Page	3174 / 1189
Map Reference	LB15 PG9
Instrument Date	May 9, 2017
Transaction Type	Transfer
Record Updated	Nov 9, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7235 TARA DR, VILLA RICA, GA 30180-3915

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3068 WINDSOR DR, SAINT JOSEPH, MI 49085-9485

Mortgage

Document Number	0031741232
Date	Jun 9, 2017
Instrument	3174/1232

Lender

Name	UNITED FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	119 Months
Due	May 25, 2027

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 3068 Windsor Dr was $4,024 with a homeowner's exemption, up 3% 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	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		$172,900 (+2.86%)	$345,800 (+2.86%)
2025	$4,024.00 (+2.97%) Homeowner's exemption	$168,100	$336,200
2024	$3,908.00
2023		$141,000	$282,000
2022	$3,549.00

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

Flood

FEMA maps place 3068 Windsor 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

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 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

Wildfire risk around 3068 Windsor 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 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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