3156 Estates Ct, Saint Joseph, MI 49085 Property Records

Berrien County property record for 3156 Estates Ct, Saint Joseph, MI 49085

Property Summary

Property Type	Single Family Home
Details	2 bd · 4.5 ba · 3,721 sqft · built 1996
Lot Size	1.55 acres (67,562 sqft)
Owner	2 Individual Names on Record
Last Sale	$685,000 (Jul 2019)
Tax Bill	$14,915 (2025)
Deeds & Mortgages	Dec 2017 Mortgage Oct 2018 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`18-2103-0033-01-1`

Property Details

APN / Parcel Number

Primary APN	`18-2103-0033-01-1`
Alternative APN	`11-18-2103-0033-01-1`

Interior

Bedrooms	2 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,721 sqft Living Area
1st Floor Area	2,589 sqft
Basement Area	2,589 sqft
Unfinished Basement	2,589 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Lot Area	67,562 sqft (1.55 acres)
Lot Depth	209 ft Depth
Garage Area	627 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3156 ESTATES CT
City	SAINT JOSEPH
State	MI
Zip	49085-3438
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2 - SINGL
Legal Description	LOT 33 & LOT 34 THE ESTATES NO 4
Legal Subdivision	THE ESTATES
Legal Lot Number	33-34
Legal Unit	33,34
Jurisdiction	BERRIEN MI
Township / Civil Division	ST. JOSEPH
Census Block Group	2
Census Block	2017
Census Tract	1100

Owner

Source: Berrien County records, as of June 5, 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	3156 ESTATES CT, SAINT JOSEPH, MI 49085-3438
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 1, 2017	Deed of Trust, Mortgage · Conventional Mortgage UNITED FCU
Oct 26, 2018	Deed of Trust, Mortgage · Line of Credit UNITED FCU
Jun 18, 2020	Deed of Trust, Mortgage · Line of Credit HONOR CU
Jul 30, 2019	Warranty Deed, Transfer · Conventional Mortgage HONOR CU
Dec 8, 2017	Intrafamily Transfer, Transfer FIRST AMERICAN TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 30, 2019 · Amount on Record
Deed Sale	Jul 30, 2019 · Amount on Record
Prior Sale	Jul 30, 2019 · Amount on Record
Deed Book / Page	3244 / 2995
Prior Transfer Date	Nov 27, 2017
Prior Transfer Doc	03191/2731
Record Updated	Sep 20, 2026

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	3156 ESTATES CT, SAINT JOSEPH, MI 49085-3438
Transaction Type	Mortgage
Record Updated	Nov 9, 2023
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	03190/3259
Date	Dec 1, 2017
Book Page	3190/3259
Instrument	3190-3259

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2047

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	3156 ESTATES CT, SAINT JOSEPH, MI 49085-3438
Transaction Type	Mortgage
Record Updated	Nov 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	03220/3034
Date	Oct 26, 2018
Book Page	3220/3034

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Oct 25, 2028

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	3156 ESTATES CT, SAINT JOSEPH, MI 49085-3438
Transaction Type	Mortgage
Record Updated	Nov 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0003279/91
Date	Jun 18, 2020
Book Page	3279/91

Lender

Name	HONOR CU
Type	Credit Union
Address	BERRIEN SPRINGS, MI 49103

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Jun 12, 2040

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BERRIEN MI
Recording Date	Jul 30, 2019
Property Address	3156 ESTATES CT, SAINT JOSEPH, MI 49085-3438
Document Number	03244/2995
Book / Page	3244 / 2995
Map Reference	LB 25 PG 27
Instrument Date	Jul 25, 2019
Transaction Type	Transfer
Record Updated	Nov 9, 2023
Title Company	CHICAGO TITLE/MI, CHICAGO TITLE OF MI INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,891.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3156 ESTATES CT, SAINT JOSEPH, MI 49085-3438

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3156 ESTATES CT, SAINT JOSEPH, MI 49085-3438

Mortgage

Document Number	0032442997
Date	Jul 30, 2019
Instrument	3244/2997

Lender

Name	HONOR CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2049

December 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BERRIEN MI
Recording Date	Dec 8, 2017
Property Address	3156 ESTATES CT, SAINT JOSEPH, MI 49085-3438
Document Number	03191/2731
Book / Page	3191 / 2731
Map Reference	LB25 PG27
Instrument Date	Nov 27, 2017
Instrument	3191-2731
Transaction Type	Transfer
Record Updated	Nov 9, 2023
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	33156 ESTATE COURT, SAINT JOSEPH, MI 49085

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3156 ESTATES CT, SAINT JOSEPH, MI 49085-3438

Tax Assessment & Valuation

Source: Berrien County assessment roll, as of June 5, 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		$588,900 (+7.84%)	$1,177,800 (+7.84%)
2025	$14,915.00 (+2.56%) Homeowner's exemption	$546,100 (+26.32%)	$1,092,200 (+26.32%)
2024	$14,543.00 (+9.09%)
2023		$432,300	$864,600
2022	$13,331.00

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

Flood

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

FEMA Flood Zone	Zone X minimal risk
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	None beyond 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 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.

Cell Coverage

5G (outdoors only) and 4G LTE

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