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3830 Derry Dr, Saint Joseph, MI 49085 Property Records

Berrien County property record for 3830 Derry Dr, Saint Joseph, MI 49085

Property Summary

Property TypeSingle Family Home
Details4 bd · 2.5 ba · 2,595 sqft · built 2017
Lot Size0.344 acres (14,985 sqft)
OwnerIndividual Name on File
Last Sale$415,000 (Feb 2021)
Tax Bill$5,093 (2025)
Deeds & MortgagesAug 2026 Line of Credit
Feb 2021 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN17-1001-0014-00-6

Property Details

APN / Parcel Number

Primary APN17-1001-0014-00-6
Alternative APN
  • 11-17-1001-0014-00-6

Interior

Bedrooms4 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Stories2 Stories
Building Area2,595 sqft Living Area
1st Floor Area1,392 sqft
Basement Area1,392 sqft
Unfinished Basement1,392 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2017
Effective Year BuiltEffective 2017
Lot Area14,985 sqft (0.344 acres)
Lot Dimensions150 ft deep x 100 ft wide
Garage Area804 sqft
Parking Spaces3 Parking Spaces

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C

Location & Zoning

Street Address3830 DERRY DR
CitySAINT JOSEPH
StateMI
Zip49085-8307
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodePUD
Legal DescriptionLOT 14 BEAR LAKE NO 2
Legal SubdivisionBEAR LAKE NO 2
Legal Lot Number14
Legal Unit14
JurisdictionBERRIEN MI
Township / Civil DivisionROYALTON
Census Block Group2
Census Block2021
Census Tract1800

Owner

3830 Derry Dr is owned and occupied by an individual who bought it in February 2021.

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

Owner of RecordIndividual Name on File
Mailing Address3830 DERRY DR, SAINT JOSEPH, MI 49085-8307
OccupancyOwner Occupied
Owner TypeIndividual

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
Aug 18, 2026Deed of Trust, Mortgage · Line of Credit
UNION CREDIT UNION
Feb 8, 2021Warranty Deed, Subdivision Related Transfer · Conventional Mortgage
HONOR CU

Assessor's Deed Record

Deed NamesName on Deed
Last SaleFeb 8, 2021 · Amount on File
Deed SaleFeb 8, 2021 · Amount on File
Deed Book / Page3312 / 2960
Record UpdatedOct 29, 2026

August 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionBERRIEN MI
Recording DateAug 18, 2026
Property Address3830 DERRY DR, SAINT JOSEPH, MI 49085-8307
Document Number0000468362
Book / Page3485 / 1307
Instrument DateAug 12, 2026
Instrument2026468362
Transaction TypeMortgage
Record UpdatedSep 9, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

NameVerified Name
Address3830 DERRY DR, SAINT JOSEPH, MI 49085-8307

Mortgage

Document Number0000468362,
DateAug 18, 2026
Book Page3485/1307
Instrument2026468362
Lender
NameUNION CREDIT UNION
Agreement
TypeLine of Credit
AmountAmount on Record
Interest
Max Rate-1%

February 2021: Warranty Deed, Subdivision Related Transfer

Document TypeWarranty Deed
JurisdictionBERRIEN MI
Recording DateFeb 8, 2021
Property Address3830 DERRY DR, SAINT JOSEPH, MI 49085-8307
Document Number03312/2960
Book / Page3312 / 2960
Map ReferenceLB 26 PG 45-47
Instrument DateFeb 4, 2021
Transaction TypeSubdivision Related Transfer
Record UpdatedNov 9, 2023
Title CompanyNEAR NORTH TITLE GROUP

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$3,571.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
AddressPO BOX 920, SAINT JOSEPH, MI 49085-0920

Transferred To (Grantee/Buyer)

NameVerified Name
Address3830 DERRY DR, SAINT JOSEPH, MI 49085-8307

Mortgage

Document Number0033122961
DateFeb 8, 2021
Instrument3312/2961
Lender
NameHONOR CU
TypeCredit Union
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueMar 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 3830 Derry Dr was $5,093 with a homeowner's exemption.

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

Property Jurisdictions

TypeName
StateMichigan
CountyBerrien County
County SubdivisionRoyalton Township
Unified School DistrictSt. Joseph Public Schools (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$220,400$440,800
2025$5,093.00

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

Flood

FEMA maps place 3830 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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Claims1 (1979)
Most Recent ClaimApr 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 3830 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 RiskLow
lower than 93% of the US · lower than 83% of Michigan
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
beyond ember reach

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 33 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable		1,200 / 35
Verizon
Fixed Wireless		300 / 20

May also be available: Mercury Fiber.

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