3266 Estates Dr, Saint Joseph, MI 49085 Property Records

Berrien County property record for 3266 Estates Dr, Saint Joseph, MI 49085

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 3,419 sqft · built 2001
Lot Size	0.439 acres (19,123 sqft)
Owner	2 Individual Names on Record
Last Sale	$525,000 (Jun 2014)
Tax Bill	$15,059 (2025)
Deeds & Mortgages	May 2025 Sale May 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`18-2100-0002-00-6`

Property Details

APN / Parcel Number

Primary APN	`18-2100-0002-00-6`
Alternative APN	`11-18-2100-0002-00-6`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,419 sqft Living Area
1st Floor Area	1,498 sqft
Basement Area	1,498 sqft
Unfinished Basement	1,498 sqft

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Lot Area	19,123 sqft (0.439 acres)
Lot Depth	149 ft Depth
Garage Area	664 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3266 ESTATES DR
City	SAINT JOSEPH
State	MI
Zip	49085-3428
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2 - SINGL
Legal Description	LOT 2 THE ESTATES NO 1
Legal Subdivision	THE ESTATES
Legal Lot Number	2
Legal Unit	2
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 are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	3266 ESTATES DR, SAINT JOSEPH, MI 49085-3428
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Date	Document
May 27, 2025	Warranty Deed, Transfer
May 6, 2022	Warranty Deed, Transfer · ARM OAK MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 6, 2014 · Amount on Record
Deed Sale	Jun 6, 2014 · Amount on Record
Prior Sale	Nov 18, 1998 · Amount on Record
Deed Book / Page	3073 / 445
Last Transfer Date	May 19, 2025
Transfer Doc	0000433357
Record Updated	Oct 29, 2026

May 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BERRIEN MI
Recording Date	May 27, 2025
Property Address	3266 ESTATES DR, SAINT JOSEPH, MI 49085-3428
Document Number	03451/2172
Book / Page	3451 / 2172
Map Reference	LB 24 PG 42
Instrument Date	May 21, 2025
Instrument	2025433357
Transaction Type	Transfer
Record Updated	Jun 5, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Living Trust
Address	3266 ESTATES DR, SAINT JOSEPH, MI 49085-3428

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BERRIEN MI
Recording Date	May 6, 2022
Property Address	3266 ESTATES DR, SAINT JOSEPH, MI 49085-3428
Document Number	03373/1359
Book / Page	3373 / 1359
Map Reference	LB 24 PG 42
Instrument Date	Apr 28, 2022
Instrument	2022352386
Transaction Type	Transfer
Record Updated	Nov 9, 2023
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	3266 ESTATES DR, SAINT JOSEPH, MI 49085-3428

Mortgage

Document Number	0033731360
Date	May 6, 2022
Instrument	3373-1360

Lender

Name	OAK MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.75%
Adjustable	Adjustable Rate Rider
Type Change Date	May 1, 2032
Change Frequency	Annually
Min Rate At Change	3.75%
Max Rate At Change	6.75%
Index	Other
Max Rate	10.7%

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		$463,200 (+30.96%)	$926,400 (+30.96%)
2025	$15,059.00 (+58%)
2023		$353,700	$707,400
2022	$9,531.00

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 96% of the US · lower than 91% 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 216 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Mercury Fiber Fixed Wireless	150 / 20
AT&T DSL	100 / 20

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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