3282 Estates Pl, Saint Joseph, MI 49085 Property Records

Berrien County property record for 3282 Estates Pl, Saint Joseph, MI 49085

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.5 ba · 2,616 sqft · built 1994
Lot Size	0.58 acres (25,265 sqft)
Owner	Individual Name on File
Last Sale	$440,000 (May 2021)
Tax Bill	$8,804 (2025)
Deeds & Mortgages	May 2023 Line of Credit May 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`18-2100-0011-00-5`

Property Details

APN / Parcel Number

Primary APN	`18-2100-0011-00-5`
Alternative APN	`11-18-2100-0011-00-5`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,616 sqft Living Area
1st Floor Area	1,158 sqft
Basement Area	1,158 sqft
Unfinished Basement	1,158 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Lot Area	25,265 sqft (0.58 acres)
Lot Depth	211 ft Depth
Garage Area	612 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3282 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 11 THE ESTATES NO 1
Legal Subdivision	THE ESTATES
Legal Lot Number	11
Legal Unit	11
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	Individual Name on File
Mailing Address	3282 ESTATES PL, SAINT JOSEPH, MI 49085-3431
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 17, 2023	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA
May 25, 2021	Warranty Deed, Transfer · Conventional Mortgage AMERIFIRST FINANCIAL CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 25, 2021 · Amount on File
Deed Sale	May 25, 2021 · Amount on File
Prior Sale	Aug 11, 2016 · Amount on File
Deed Book / Page	3328 / 3405
Prior Transfer Date	May 6, 2016
Prior Transfer Doc	03136/0493
Record Updated	Oct 29, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	3282 ESTATES PL, SAINT JOSEPH, MI 49085-3431
Transaction Type	Mortgage
Record Updated	Nov 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3282 ESTATES PL, SAINT JOSEPH, MI 49085-3431

Mortgage

Document Number	003404/126
Date	May 17, 2023
Book Page	3404/126
Instrument	2023380684

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	PROVIDENCE, RI 02903

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	May 9, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BERRIEN MI
Recording Date	May 25, 2021
Property Address	3282 ESTATES PL, SAINT JOSEPH, MI 49085-3431
Document Number	03328/3405
Book / Page	3328 / 3405
Map Reference	LB 24 PG 42
Instrument Date	May 25, 2021
Transaction Type	Transfer
Record Updated	Nov 9, 2023
Title Company	NOT AVAILABLE, TC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,784.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3282 ESTATES PL, SAINT JOSEPH, MI 49085-3431

Mortgage

Document Number	0033283409
Date	May 25, 2021
Instrument	3328/3409

Lender

Name	AMERIFIRST FINANCIAL CORP
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jun 1, 2036

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		$334,900 (+1.36%)	$669,800 (+1.36%)
2025	$8,804.00 (+2.61%) Homeowner's exemption	$330,400 (+27.08%)	$660,800 (+27.08%)
2024	$8,580.00 (+9.23%)
2023		$260,000	$520,000
2022	$7,855.00

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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