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3780 Windermere Dr, Saint Joseph, MI 49085 Property Records

Berrien County property record for 3780 Windermere Dr, Saint Joseph, MI 49085

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,598 sqft · built 1967
Lot Size0.287 acres (12,502 sqft)
OwnerTrust Name on File
Last Sale$62,200 (Jun 1982)
Tax Bill$2,871 (2025)
Deeds & MortgagesFeb 2022 Mortgage
Jun 2017 Transfer
Flood ZoneZone X (minimal risk)
APN12-3100-0190-00-5

Property Details

APN / Parcel Number

Primary APN12-3100-0190-00-5
Alternative APN
  • 11-12-3100-0190-00-5

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,598 sqft Living Area
1st Floor Area1,598 sqft
Basement Area1,110 sqft
Unfinished Basement1,110 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1967
Effective Year BuiltEffective 1967
Architectural StyleRaised Ranch
Lot Area12,502 sqft (0.287 acres)
Lot Dimensions125 ft deep x 100 ft wide
Garage Area651 sqft
Parking Spaces2 Parking Spaces

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C

Location & Zoning

Street Address3780 WINDERMERE DR
CitySAINT JOSEPH
StateMI
Zip49085-9483
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeLD
Legal DescriptionLOT 190 HICKORY CREEK MANOR NO 5
Legal SubdivisionHICKORY CREEK MANOR #5
Legal Lot Number190
Legal Unit190
JurisdictionBERRIEN MI
Township / Civil DivisionLINCOLN
Census Block Group2
Census Block2007
Census Tract1400

Owner

3780 Windermere Dr is owner-occupied and held in a trust since May 2017.

Source: Berrien County records, as of September 28, 2026

Owner of RecordTrust Name on File
Mailing Address3780 WINDERMERE DR, SAINT JOSEPH, MI 49085-9483
OccupancyOwner Occupied
Owner TypeCompany
VestingTrust

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

DateDocument
Feb 18, 2022Deed of Trust, Mortgage · Conventional Mortgage
UNITED FCU
Jun 2, 2017Intrafamily Transfer, Transfer
ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed NamesName on Deed
Last SaleJun 30, 1982 · Amount on File
Deed SaleJun 30, 1982 · Amount on File
Prior SaleOct 15, 1979
Deed Book / Page1166 / 550
Last Transfer DateMay 16, 2017
Transfer Doc03173/2501
Record UpdatedOct 29, 2026

February 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionBERRIEN MI
Property Address3780 WINDERMERE DR, SAINT JOSEPH, MI 49085-9483
Transaction TypeMortgage
Record UpdatedNov 9, 2023
Title CompanyFIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address3780 WINDERMERE DR, SAINT JOSEPH, MI 49085-9483

Mortgage

Document Number03364/1496
DateFeb 18, 2022
Book Page3364/1496
Instrument2022343714
Lender
NameUNITED FCU
TypeCredit Union
AddressSAINT JOSEPH, MI 49085
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term181 Months
DueMar 1, 2037

June 2017: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionBERRIEN MI
Recording DateJun 2, 2017
Property Address3780 WINDERMERE DR, SAINT JOSEPH, MI 49085-9483
Document Number03173/2501
Book / Page3173 / 2501
Map ReferenceVOL21 PG7
Instrument DateMay 16, 2017
Transaction TypeTransfer
Record UpdatedNov 9, 2023
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

Tax$0.00
Amount AccuracyTransfer Tax Exempt
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipLiving Trust
Address3780 WINDERMERE DR, SAINT JOSEPH, MI 49085-9483

Tax Assessment & Valuation

The 2025 property tax bill for 3780 Windermere Dr was $2,871 with a homeowner's exemption, up 3.8% from the year before.

Source: Berrien County assessment roll, as of September 28, 2026

Property Jurisdictions

TypeName
StateMichigan
CountyBerrien County
County SubdivisionLincoln Charter Township
Unified School DistrictLakeshore School District (KG - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$157,300 (+6.64%)$314,600 (+6.64%)
2025$2,871.00 (+3.8%) Homeowner's exemption$147,500$295,000
2024$2,766.00
2023$113,000$226,000
2022$2,499.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 3780 Windermere 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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 3780 Windermere 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 RiskLow
lower than 96% of the US · lower than 91% of Michigan
Wildfire LikelihoodUnder 0.01% annual chance
ExposureDirect
burnable vegetation

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 SystemSOUTHWEST MICHIGAN REGIONAL SANITARY SEW
serves 26,780 people · EPA ID MI0003726
Water SourcePurchased surface water from ST JOSEPH
Last State InspectionFeb 2025
Lead1 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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 144 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable		2,000 / 250
Verizon
Fixed Wireless		300 / 20
Mercury Fiber
Fixed Wireless		150 / 20
T-Mobile
Fixed Wireless		100 / 20
AT&T
DSL		100 / 20

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