3230 Estates Pl, Saint Joseph, MI 49085 Property Records

Berrien County property record for 3230 Estates Pl, Saint Joseph, MI 49085

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 4,356 sqft · built 1999
Lot Size	0.395 acres (17,206 sqft)
Owner	Individual Name on File
Last Sale	$510,000 (Jun 2021)
Tax Bill	$10,308 (2025)
Deeds & Mortgages	Sep 2019 Mortgage Jun 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`18-2100-0008-00-4`

Property Details

APN / Parcel Number

Primary APN	`18-2100-0008-00-4`
Alternative APN	`11-18-2100-0008-00-4`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	4,356 sqft Living Area
1st Floor Area	2,818 sqft
Basement Area	1,280 sqft
Unfinished Basement	1,280 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Lot Area	17,206 sqft (0.395 acres)
Lot Depth	130 ft Depth
Garage Area	539 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3230 ESTATES PL
City	SAINT JOSEPH
State	MI
Zip	49085-3431
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2 - SINGL
Legal Description	LOT 8 THE ESTATES NO 1
Legal Subdivision	THE ESTATES
Legal Lot Number	8
Legal Unit	8
Jurisdiction	BERRIEN MI
Township / Civil Division	ST. JOSEPH
Census Block Group	2
Census Block	2017
Census Tract	1100

Owner

3230 Estates Pl is owned and occupied by an individual who bought it in June 2021.

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

Owner of Record	Individual Name on File
Mailing Address	3230 ESTATES PL, SAINT JOSEPH, MI 49085-3431
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
Sep 30, 2019	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Jun 3, 2021	Warranty Deed, Transfer · Conventional Mortgage FLANAGAN STATE BANK
Dec 27, 2018	Warranty Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 3, 2021 · Amount on File
Deed Sale	Jun 3, 2021 · Amount on File
Prior Sale	Dec 27, 2018 · Amount on File
Deed Book / Page	3330 / 182
Prior Transfer Date	Jan 13, 2011
Prior Transfer Doc	02947/0608
Record Updated	Oct 29, 2026

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	3230 ESTATES PL, SAINT JOSEPH, MI 49085-3431
Transaction Type	Mortgage
Record Updated	Nov 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	03251/1252
Date	Sep 30, 2019
Book Page	3251/1252

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2049

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BERRIEN MI
Recording Date	Jun 3, 2021
Property Address	3230 ESTATES PL, SAINT JOSEPH, MI 49085-3431
Document Number	003330/182
Book / Page	3330 / 182
Map Reference	VOL 24 PG 42
Instrument Date	May 22, 2021
Transaction Type	Transfer
Record Updated	Nov 9, 2023
Title Company	NEAR NORTH TITLE GROUP

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,386.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3230 ESTATES PL, SAINT JOSEPH, MI 49085-3431

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3230 ESTATES PL, SAINT JOSEPH, MI 49085-3431

Mortgage

Document Number	0003330184
Date	Jun 3, 2021
Instrument	3330/184

Lender

Name	FLANAGAN STATE BANK
Type	Bank

Agreement

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

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BERRIEN MI
Recording Date	Dec 27, 2018
Property Address	3230 ESTATES PL, SAINT JOSEPH, MI 49085-3431
Document Number	03226/0421
Book / Page	3226 / 0421
Map Reference	VOL 24 PG 42
Instrument Date	Dec 10, 2018
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	$3,655.00
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	3230 ESTATES PL, SAINT JOSEPH, MI 49085-3431
Investor	Possibly a Property Investor

Mortgage

Document Number	0003226424
Date	Dec 27, 2018
Instrument	3226/424

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 3230 Estates Pl was $10,308 with a homeowner's exemption, up 2.6% 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		$402,500 (+1.72%)	$805,000 (+1.72%)
2025	$10,308.00 (+2.61%) Homeowner's exemption	$395,700	$791,400
2024	$10,046.00
2023		$307,400	$614,800
2022	$9,197.00

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

Flood

FEMA maps place 3230 Estates Pl in Zone X, an area of minimal flood risk.

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

Wildfire risk around 3230 Estates Pl 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	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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