3235 Estates Pl, Saint Joseph, MI 49085 Property Records

Berrien County property record for 3235 Estates Pl, Saint Joseph, MI 49085

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 2,774 sqft · built 1992
Lot Size	0.409 acres (17,816 sqft)
Owner	2 Individual Names on Record
Last Sale	$432,500 (Nov 2020)
Tax Bill	$8,547 (2025)
Deeds & Mortgages	Dec 2007 Mortgage Sep 2010 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`18-2100-0015-00-1`

Property Details

APN / Parcel Number

Primary APN	`18-2100-0015-00-1`
Alternative APN	`11-18-2100-0015-00-1`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,774 sqft Living Area
1st Floor Area	1,237 sqft
Basement Area	1,237 sqft
Unfinished Basement	1,237 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Lot Area	17,816 sqft (0.409 acres)
Lot Depth	136 ft Depth
Garage Area	495 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3235 ESTATES PL
City	SAINT JOSEPH
State	MI
Zip	49085-3432
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2 - SINGL
Legal Description	LOT 15 THE ESTATES NO 1
Legal Subdivision	THE ESTATES
Legal Lot Number	15
Legal Unit	15
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 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	3235 ESTATES PL, SAINT JOSEPH, MI 49085-3432
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 21, 2007	Deed of Trust, Mortgage HORIZON BANK NA
Sep 13, 2010	Deed of Trust, Mortgage · Conventional Mortgage BEST HOME FINANCIAL
Nov 5, 2020	Warranty Deed, Transfer · Conventional Mortgage 1ST SOURCE BANK
Jun 20, 2007	Warranty Deed, Transfer · ARM HORIZON BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 5, 2020 · Amount on Record
Deed Sale	Nov 5, 2020 · Amount on Record
Prior Sale	Nov 5, 2020 · Amount on Record
Deed Book / Page	3298 / 3429
Prior Transfer Date	Dec 3, 2003
Prior Transfer Doc	2469000292
Record Updated	Oct 29, 2026

December 2007: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	3235 ESTATES PL, SAINT JOSEPH, MI 49085-3432
Transaction Type	Mortgage
Record Updated	Jun 8, 2026
Title Company	CAPITAL TITLE AGENCY INC, CTI

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02823/1079
Date	Dec 21, 2007
Book Page	2823/1079

Lender

Name	HORIZON BANK NA
Type	Bank
Address	MICHIGAN CITY, IN 46360

Agreement

Amount	Amount Recorded
Term	181 Months
Due	Jan 1, 2023

September 2010: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	3235 ESTATES PL, SAINT JOSEPH, MI 49085-3432
Transaction Type	Mortgage
Record Updated	Jun 8, 2026
Title Company	CAPITAL TITLE AGENCY INC, CTI

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02932/0062
Date	Sep 13, 2010
Book Page	2932/0062

Lender

Name	BEST HOME FINANCIAL
Address	BENTON HARBOR, MI 49022

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Sep 1, 2025

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BERRIEN MI
Recording Date	Nov 5, 2020
Property Address	3235 ESTATES PL, SAINT JOSEPH, MI 49085-3432
Document Number	03298/3429
Book / Page	3298 / 3429
Map Reference	LB 24 PG 42
Instrument Date	Oct 29, 2020
Transaction Type	Transfer
Record Updated	Nov 9, 2023
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,719.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3235 ESTATES PL, SAINT JOSEPH, MI 49085-3432

Mortgage

Document Number	0032983430
Date	Nov 5, 2020
Instrument	3298/3430

Lender

Name	1ST SOURCE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Nov 1, 2035

June 2007: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BERRIEN MI
Recording Date	Jun 20, 2007
Property Address	3235 ESTATES PL, SAINT JOSEPH, MI 49085-3432
Document Number	02796/2445
Book / Page	2796 / 2445
Map Reference	LB24 PG42
Instrument Date	Jun 13, 2007
Transaction Type	Transfer
Record Updated	Jun 8, 2026
Title Company	CAPITAL TITLE AGENCY INC, CTI

Transaction

Tax	$0.00
Amount Accuracy	Not Public Record
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3235 ESTATES PL, SAINT JOSEPH, MI 49085-3432

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3235 ESTATES PL, SAINT JOSEPH, MI 49085-3432

Mortgage

Document Number	0027962446
Date	Jun 20, 2007
Instrument	2796/2446

Lender

Name	HORIZON BANK NA
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2037

Interest

Rate Type	Adjustable Rate
Rate	6.37%
Adjustable	Adjustable Rate Rider
Change Frequency	Annually
Min Rate At Change	4.37%
Max Rate At Change	8.37%
Index	1-Year T-Bill
Margin	3
Max Rate	12.3%

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		$339,900 (+33.45%)	$679,800 (+33.45%)
2025	$8,547.00 (+11.96%)
2023		$254,700	$509,400
2022	$7,634.00

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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