Berrien County property record for 416 Upton Dr, Saint Joseph, MI 49085
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,296 sqft · built 2001 |
| Lot Size | 0.25 acres (10,890 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $529,000 (Aug 2026) |
| Tax Bill | $6,463 (2025) |
| Deeds & Mortgages | Aug 2026 Sale & Mortgage Feb 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 76-1900-0143-01-5 |
| Primary APN | 76-1900-0143-01-5 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,296 sqft Living Area |
| 1st Floor Area | 1,296 sqft |
| Basement Area | 1,296 sqft |
| Year Built | Built 2001 |
|---|---|
| Effective Year Built | Effective 2001 |
| Lot Area | 10,890 sqft (0.25 acres) |
| Lot Dimensions | 123 ft deep x 87 ft wide |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 416 UPTON DR |
|---|---|
| City | SAINT JOSEPH |
| State | MI |
| Zip | 49085-1059 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 - C |
| Legal Description | BEG AT SLY COR LOT 143 EDGEWATER ADD TH N54DEG27'37''W ON SWLY LN SD LOT 143 123.7' TO WLY MOST COR SD LOT 143 TH N36DEG11'33''E ON NWLY LN LOTS 143 & 142 SD PLAT 87.81' TH S54DEG24'39''E 123.28' TO WLY R/W LN UPTON DR TH S35DEG55'11''W ON WLY R/W LN |
| Legal Subdivision | EDGEWATER |
| Legal Lot Number | 142-143 |
| Jurisdiction | BERRIEN MI |
| Township / Civil Division | ST. JOSEPH |
| Census Block Group | 1 |
| Census Block | 1013 |
| Census Tract | 801 |
Source: Berrien County records, as of September 28, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 416 UPTON DR, SAINT JOSEPH, MI 49085-1059 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | His Wife |
| Date | Document |
|---|---|
| Aug 12, 2026 | Warranty Deed, Transfer · Conventional Mortgage BANK OF AMERICA |
| Feb 13, 2020 | Deed of Trust, Mortgage · Conventional Mortgage NEWREZ LLC |
| Oct 2, 2017 | Warranty Deed, Transfer · Conventional Mortgage DITECH FINANCIAL LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 12, 2026 · Amount on Record |
| Deed Sale | Aug 12, 2026 · Amount on Record |
| Prior Sale | Mar 28, 2025 · Amount on Record |
| Deed Document Number | 2026468018 |
| Deed Book / Page | 3484 / 4257 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BERRIEN MI |
| Recording Date | Aug 12, 2026 |
| Property Address | 416 UPTON DR, SAINT JOSEPH, MI 49085-1059 |
| Document Number | 0000468018 |
| Book / Page | 3484 / 4257 |
| Instrument Date | Aug 7, 2026 |
| Instrument | 2026468018 |
| Transaction Type | Transfer |
| Record Updated | Aug 27, 2026 |
| Title Company | CHICAGO TITLE W, CHICAGO TITLE OF MICHIGAN |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $400,717.50 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 416 UPTON DR, SAINT JOSEPH, MI 49085-1059 |
| Document Number | 0000468019, |
|---|---|
| Date | Aug 12, 2026 |
| Instrument | 2026468019 |
| Name | BANK OF AMERICA |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Sep 1, 2046 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERRIEN MI |
| Property Address | 416 UPTON DR, SAINT JOSEPH, MI 49085-1059 |
| Transaction Type | Mortgage |
| Record Updated | Nov 9, 2023 |
| Name | Verified Name |
|---|
| Document Number | 03264/3441 |
|---|---|
| Date | Feb 13, 2020 |
| Book Page | 3264/3441 |
| Name | NEWREZ LLC |
|---|---|
| Type | Non-Lending Institution |
| Address | FORT WASHINGTON, PA 19034 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Mar 1, 2035 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BERRIEN MI |
| Recording Date | Oct 2, 2017 |
| Property Address | 416 UPTON DR, SAINT JOSEPH, MI 49085-1059 |
| Document Number | 03185/0598 |
| Book / Page | 3185 / 0598 |
| Map Reference | LB4 PG52 |
| Instrument Date | Sep 24, 2017 |
| Instrument | 3185-0598 |
| Transaction Type | Transfer |
| Record Updated | Nov 9, 2023 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,365.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 6309 W CIMARRON TRL, FLINT, MI 48532-2020 |
| Document Number | 0031850600 |
|---|---|
| Date | Oct 2, 2017 |
| Instrument | 3185-0600 |
| Name | DITECH FINANCIAL LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 1, 2047 |
| Rate Type | Adjustable Rate |
|---|
Source: Berrien County assessment roll, as of September 28, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Berrien County |
| Municipality | St. Joseph City |
| Unified School District | St. Joseph Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $228,000 (+33.1%) | $456,000 (+33.1%) | |
| 2025 | $6,463.00 (+11.95%) | ||
| 2023 | $171,300 | $342,600 | |
| 2022 | $5,773.00 |
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.
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 |
| Flood Insurance Cost | Premium on Record median of 11 policies |
| Nearby Flood Policies | 11 in force |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · above 51% of Michigan |
|---|---|
| Wildfire Likelihood | 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | BENTON HARBOR serves 9,103 people · EPA ID MI0000600 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jan 2025 |
| Lead | Under 1 ppb (2025) action level 15 ppb |
| Water Quality | Treatment failure resolved · Sep 2021 Failure to filter resolved · May 2021 |
|---|---|
| Treatment and Procedure | Organic carbon removal Apr 2026 Treatment change without state approval Sep 2021 Lead public education Aug 2021 |
| Monitoring and Reporting | None 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 109 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless · DSL | 100 / 20 |
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