Berrien County property record for 415 E Trillium Cir, Saint Joseph, MI 49085
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3.5 ba · 1,555 sqft · built 1988 |
| Lot Size | 0.38 acres (16,591 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $5,046 (2025) |
| Deeds & Mortgages | May 2026 Line of Credit Apr 2024 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 18-5802-0020-00-1 |
| Primary APN | 18-5802-0020-00-1 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 1,555 sqft Living Area |
| 1st Floor Area | 1,258 sqft |
| Basement Area | 1,258 sqft |
| Unfinished Basement | 1,258 sqft |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 1988 |
| Architectural Style | Raised Ranch |
| Lot Area | 16,591 sqft (0.38 acres) |
| Lot Width | 50 ft Width |
| Garage Area | 458 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 415 E TRILLIUM CIR |
|---|---|
| City | SAINT JOSEPH |
| State | MI |
| Zip | 49085-8508 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R4 - TWO F |
| Legal Description | LOT 20 PARK PLACE NO 3 |
| Legal Subdivision | PARK PLACE SUB |
| Legal Lot Number | 20 |
| Legal Unit | 20 |
| Jurisdiction | BERRIEN MI |
| Township / Civil Division | ST. JOSEPH |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 1100 |
415 E Trillium Cir is owned and occupied by two individuals who acquired it in July 2016.
Source: Berrien County records, as of September 28, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 415 E TRILLIUM CIR, SAINT JOSEPH, MI 49085-8508 |
| 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.
| Date | Document |
|---|---|
| May 13, 2026 | Deed of Trust, Mortgage · Line of Credit FLAGSTAR BANK FSB |
| Apr 19, 2024 | Deed of Trust, Mortgage · Line of Credit UNITED FCU |
| Dec 10, 2021 | Deed of Trust, Mortgage · Conventional Mortgage RUOFF MORTGAGE COMPANY INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 15, 2016 |
| Deed Sale | Jul 15, 2016 |
| Prior Sale | Aug 11, 1998 · Amount on File |
| Deed Book / Page | 3142 / 531 |
| Prior Transfer Date | Mar 4, 2005 |
| Prior Transfer Doc | 02593/1165 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERRIEN MI |
| Recording Date | May 13, 2026 |
| Property Address | 415 E TRILLIUM CIR, SAINT JOSEPH, MI 49085-8508 |
| Document Number | 0000460711 |
| Book / Page | 3477 / 1289 |
| Instrument Date | May 7, 2026 |
| Instrument | 2026460711 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety, 298 |
| Address | 415 E TRILLIUM CIR, SAINT JOSEPH, MI 49085-8508 |
| Document Number | 0000460711, |
|---|---|
| Date | May 13, 2026 |
| Book Page | 3477/1289 |
| Instrument | 2026460711 |
| Name | FLAGSTAR BANK FSB |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.99% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERRIEN MI |
| Property Address | 415 E TRILLIUM CIR, SAINT JOSEPH, MI 49085-8508 |
| Transaction Type | Mortgage |
| Record Updated | May 15, 2024 |
| Name | Verified Name |
|---|
| Document Number | 03424/3498 |
|---|---|
| Date | Apr 19, 2024 |
| Book Page | 3424/3498 |
| Instrument | 2024404347 |
| Name | UNITED FCU |
|---|---|
| Type | Credit Union |
| Address | SAINT JOSEPH, MI 49085 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Apr 15, 2039 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERRIEN MI |
| Property Address | 415 E TRILLIUM CIR, SAINT JOSEPH, MI 49085-8508 |
| Transaction Type | Mortgage |
| Record Updated | Nov 9, 2023 |
| Title Company | E-CHICAGO TITLE, CHICAGO TITLE |
| Name | Verified Name |
|---|---|
| Address | 415 E TRILLIUM CIR, SAINT JOSEPH, MI 49085-8508 |
| Document Number | 03356/1175 |
|---|---|
| Date | Dec 10, 2021 |
| Book Page | 3356/1175 |
| Instrument | 3356-1175 |
| Name | RUOFF MORTGAGE COMPANY INC |
|---|---|
| Type | Mortgage Company |
| Address | FORT WAYNE, IN 46804 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 1, 2051 |
The 2025 property tax bill for 415 E Trillium Cir was $5,046 with a homeowner's exemption, up 3% from the year before.
Source: Berrien County assessment roll, as of September 28, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Berrien County |
| County Subdivision | St. Joseph Charter Township |
| Unified School District | St. Joseph Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $206,800 (+2.38%) | $413,600 (+2.38%) | |
| 2025 | $5,046.00 (+3.02%) Homeowner's exemption | $202,000 | $404,000 |
| 2024 | $4,898.00 | ||
| 2023 | $144,700 | $289,400 | |
| 2022 | $4,452.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 415 E Trillium Cir in Zone X, an area of minimal flood risk.
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 risk around 415 E Trillium Cir 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 99.1% of the US · lower than 98.4% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 139 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 |
| Mercury Fiber Fixed Wireless | 150 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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