3794 Derry Dr, Saint Joseph, MI 49085 Property Records

Berrien County property record for 3794 Derry Dr, Saint Joseph, MI 49085

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,409 sqft · built 2007
Lot Size	0.344 acres (14,985 sqft)
Owner	2 Individual Names on File
Last Sale	$550,000 (Jul 2026)
Tax Bill	$5,604 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Mar 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`17-1001-0017-00-5`

Property Details

APN / Parcel Number

Primary APN	`17-1001-0017-00-5`
Alternative APN	`11-17-1001-0017-00-5`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,409 sqft Living Area
1st Floor Area	1,185 sqft
Basement Area	1,185 sqft
Unfinished Basement	1,185 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Lot Area	14,985 sqft (0.344 acres)
Lot Depth	150 ft Depth
Garage Area	860 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3794 DERRY DR
City	SAINT JOSEPH
State	MI
Zip	49085-8314
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	LOT 17 BEAR LAKE NO 2
Legal Subdivision	BEAR LAKE #2
Legal Lot Number	17
Legal Unit	17
Jurisdiction	BERRIEN MI
Township / Civil Division	ROYALTON
Census Block Group	2
Census Block	2021
Census Tract	1800

Owner

3794 Derry Dr is owned and occupied by two individuals who bought it in July 2026.

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

Owner of Record	2 Individual Names on File
Mailing Address	5891 RACINE DR, STEVENSVILLE, MI 49127-8661
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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
Jul 21, 2026	Warranty Deed, Transfer · Conventional Mortgage UNITED FEDERAL CREDIT UNION
Mar 28, 2018	Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 21, 2026 · Amount on File
Deed Sale	Jul 21, 2026 · Amount on File
Prior Sale	Mar 28, 2018 · Amount on File
Deed Document Number	2026466190
Deed Book / Page	3482 / 4081
Record Updated	Oct 29, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BERRIEN MI
Recording Date	Jul 21, 2026
Property Address	3794 DERRY DR, SAINT JOSEPH, MI 49085-8314
Document Number	0000466190
Book / Page	3482 / 4081
Instrument Date	Jul 2, 2026
Instrument	2026466190
Transaction Type	Transfer
Record Updated	Sep 21, 2026
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$416,625.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	5891 RACINE DR, STEVENSVILLE, MI 49127-8661

Mortgage

Document Number	0000466191,
Date	Jul 21, 2026
Instrument	2026466191

Lender

Name	UNITED FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.37%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

March 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BERRIEN MI
Recording Date	Mar 28, 2018
Property Address	3794 DERRY DR, SAINT JOSEPH, MI 49085-8314
Document Number	03201/1436
Book / Page	3201 / 1436
Map Reference	LB26 PG45
Instrument Date	Jan 25, 2018
Transaction Type	Transfer
Record Updated	Nov 9, 2023
Title Company	WEICHERT NATIONAL TITLE SERVICES, WEICHERT NATL TITLE SVCS

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,319.60
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3704 DERRY DR, SAINT JOSEPH, MI 49085-8314

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3310 122ND ST, PLEASANT PRAIRIE, WI 53158-4235

Mortgage

Document Number	0032011438
Date	Mar 28, 2018
Instrument	3201/1438

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 3794 Derry Dr was $5,604 with a homeowner's exemption.

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

Property Jurisdictions

Type	Name
State	Michigan
County	Berrien County
County Subdivision	Royalton Township
Unified School District	St. Joseph Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$256,600	$513,200
2025	$5,604.00
2023		$223,500	$447,000
2022	$4,964.00

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 3794 Derry Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1979.

Source: FEMA National Flood Hazard Layer, effective September 10, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	1 (1979)
Most Recent Claim	Apr 1979 · tidal / storm surge

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 3794 Derry 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	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 84 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless · DSL	100 / 20

May also be available: Mercury Fiber.

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