3284 Estates Dr, Saint Joseph, MI 49085 Property Records

Berrien County property record for 3284 Estates Dr, Saint Joseph, MI 49085

Property Summary

Property Type	Single Family Home
Details	2 bd · 3.5 ba · 2,898 sqft · built 1993
Lot Size	0.547 acres (23,827 sqft)
Owner	2 Individual Names on Record
Last Sale	$677,000 (Jul 2021)
Tax Bill	$12,710 (2025)
Deeds & Mortgages	Apr 2026 Line of Credit Jan 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`18-2100-0003-00-2`

Property Details

APN / Parcel Number

Primary APN	`18-2100-0003-00-2`
Alternative APN	`11-18-2100-0003-00-2`

Interior

Bedrooms	2 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,898 sqft Living Area
1st Floor Area	1,449 sqft
Basement Area	1,449 sqft
Unfinished Basement	1,449 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Lot Area	23,827 sqft (0.547 acres)
Lot Depth	161 ft Depth
Garage Area	660 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3284 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 3 THE ESTATES NO 1
Legal Subdivision	THE ESTATES
Legal Lot Number	3
Legal Unit	3
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	3284 ESTATES DR, SAINT JOSEPH, MI 49085-3428
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 7, 2026	Deed of Trust, Mortgage · Line of Credit UNITED FEDERAL CREDIT UNION
Jan 15, 2021	Deed of Trust, Mortgage · Conventional Mortgage CITIZENS BANK NA
Jul 27, 2021	Warranty Deed, Transfer · Conventional Mortgage HONOR CU
Jul 6, 2017	Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 27, 2021 · Amount on Record
Deed Sale	Jul 27, 2021 · Amount on Record
Prior Sale	Jul 6, 2017 · Amount on Record
Deed Book / Page	3337 / 2129
Prior Transfer Date	Sep 9, 2008
Prior Transfer Doc	02858/1786
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Recording Date	Apr 7, 2026
Property Address	3284 ESTATES DR, SAINT JOSEPH, MI 49085-3428
Document Number	0000457800
Book / Page	3474 / 1516
Instrument Date	Mar 26, 2026
Instrument	2026457800
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety, 298
Address	3284 ESTATES DR, SAINT JOSEPH, MI 49085-3428

Mortgage

Document Number	0000457800,
Date	Apr 7, 2026
Book Page	3474/1516
Instrument	2026457800

Lender

Name	UNITED FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Mar 25, 2036

Interest

Rate	5.98%
Max Rate	-1%

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	3284 ESTATES DR, SAINT JOSEPH, MI 49085-3428
Transaction Type	Mortgage
Record Updated	Nov 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	003309/781
Date	Jan 15, 2021
Book Page	3309/781

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	PROVIDENCE, RI 02903

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Jan 1, 2041

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BERRIEN MI
Recording Date	Jul 27, 2021
Property Address	3284 ESTATES DR, SAINT JOSEPH, MI 49085-3428
Document Number	03337/2129
Book / Page	3337 / 2129
Map Reference	LB 24 PG 42
Instrument Date	Jul 14, 2021
Transaction Type	Transfer
Record Updated	Nov 9, 2023
Title Company	NEAR NORTH TITLE GROUP

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$5,822.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	5355 WILSHIRE TER, SAINT JOSEPH, MI 49085-9793

Mortgage

Document Number	0033372130
Date	Jul 27, 2021
Instrument	3337/2130

Lender

Name	HONOR CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BERRIEN MI
Recording Date	Jul 6, 2017
Property Address	3284 ESTATES DR, SAINT JOSEPH, MI 49085-3428
Document Number	03176/2878
Book / Page	3176 / 2878
Map Reference	LB24 PG42
Instrument Date	Jun 30, 2017
Transaction Type	Transfer
Record Updated	Nov 9, 2023
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,945.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3284 ESTATES DR, SAINT JOSEPH, MI 49085-3428

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3284 ESTATES DR, SAINT JOSEPH, MI 49085-3428

Mortgage

Document Number	0031762880
Date	Jul 6, 2017
Instrument	3176/2880

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

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

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		$485,900 (+3.43%)	$971,800 (+3.43%)
2025	$12,710.00 (+2.52%) Homeowner's exemption	$469,800 (+26.53%)	$939,600 (+26.53%)
2024	$12,398.00 (+8.99%)
2023		$371,300	$742,600
2022	$11,375.00

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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