3315 Circle Dr, Saint Joseph, MI 49085 Property Records

Berrien County property record for 3315 Circle Dr, Saint Joseph, MI 49085

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,333 sqft · built 1965
Lot Size	0.31 acres (13,504 sqft)
Owner	Individual Name on File
Last Sale	$355,000 (Jun 2021)
Tax Bill	$5,220 (2025)
Deeds & Mortgages	Jun 2021 Sale & Mortgage Sep 2018 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`18-4350-0012-00-1`

Property Details

APN / Parcel Number

Primary APN	`18-4350-0012-00-1`
Alternative APN	`11-18-4350-0012-00-1`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	2,333 sqft Living Area
1st Floor Area	1,296 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1965
Architectural Style	Bi-Level
Lot Area	13,504 sqft (0.31 acres)
Lot Dimensions	90 ft deep x 150 ft wide
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3315 CIRCLE DR
City	SAINT JOSEPH
State	MI
Zip	49085-3712
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2 - SINGL
Legal Description	PT OF LOTS 11 & 12 KNAPP'S TERRACE DES AS COM AT NW COR LOT 12 TH S 150' E 90' N 150' W 90'TO POB
Legal Subdivision	KNAPPS TERRACE
Legal Lot Number	11-12
Legal Unit	1,12
Jurisdiction	BERRIEN MI
Township / Civil Division	ST. JOSEPH
Census Block Group	2
Census Block	2007
Census Tract	1100

Owner

3315 Circle Dr 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	3315 CIRCLE DR, SAINT JOSEPH, MI 49085-3712
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
Jun 28, 2021	Warranty Deed, Transfer · Conventional Mortgage RUOFF MORTGAGE COMPANY INC
Sep 10, 2018	Warranty Deed, Transfer · FHA Mortgage SUCCESS MORTGAGE PARTNERS INC
Nov 14, 2017	Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 28, 2021 · Amount on File
Deed Sale	Jun 28, 2021 · Amount on File
Prior Sale	Sep 10, 2018 · Amount on File
Deed Book / Page	3333 / 1795
Prior Transfer Date	Mar 3, 2016
Prior Transfer Doc	03130/2454
Record Updated	Oct 29, 2026

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BERRIEN MI
Recording Date	Jun 28, 2021
Property Address	3315 CIRCLE DR, SAINT JOSEPH, MI 49085-3712
Document Number	03333/1795
Book / Page	3333 / 1795
Map Reference	LB 15 PG 11
Instrument Date	Jun 4, 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	$2,901.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	20906 PEBBLE LN, LENEXA, KS 66220-3249

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3315 CIRCLE DR, SAINT JOSEPH, MI 49085-3712

Mortgage

Document Number	03333/1527
Date	Jun 28, 2021
Book Page	3333/1527

Lender

Name	RUOFF MORTGAGE COMPANY INC
Type	Mortgage Company
Address	FORT WAYNE, IN 46804

Agreement

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

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BERRIEN MI
Recording Date	Sep 10, 2018
Property Address	3315 CIRCLE DR, SAINT JOSEPH, MI 49085-3712
Document Number	03216/1912
Book / Page	3216 / 1912
Map Reference	LB15 PG11
Instrument Date	Sep 7, 2018
Transaction Type	Transfer
Record Updated	Nov 9, 2023
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,408.00
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
Address	3315 CIRCLE DR, SAINT JOSEPH, MI 49085-3712

Mortgage

Document Number	0032161913
Date	Sep 10, 2018
Instrument	3216/1913

Lender

Name	SUCCESS MORTGAGE PARTNERS INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2048

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BERRIEN MI
Recording Date	Nov 14, 2017
Property Address	3315 CIRCLE DR, SAINT JOSEPH, MI 49085-3712
Document Number	03189/1814
Book / Page	3189 / 1814
Map Reference	LB15 PG11
Instrument Date	Oct 23, 2017
Instrument	3189-1814
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	$2,399.00
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
Address	3315 CIRCLE DR, SAINT JOSEPH, MI 49085-3712

Mortgage

Document Number	0031891816
Date	Nov 14, 2017
Instrument	3189-1816

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Nov 1, 2032

Tax Assessment & Valuation

The 2025 property tax bill for 3315 Circle Dr was $5,220 with a homeowner's exemption, up 3% 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		$204,700 (+1.94%)	$409,400 (+1.94%)
2025	$5,220.00 (+2.96%) Homeowner's exemption	$200,800	$401,600
2024	$5,070.00
2023		$152,400	$304,800
2022	$4,603.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 3315 Circle Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective September 10, 2024

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
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 3315 Circle Dr 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 94% of the US · lower than 87% 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 152 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
Mercury Fiber Fixed Wireless	150 / 20
AT&T DSL	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Circle Dr

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