Berrien County property record for 460 Upton Dr, Saint Joseph, MI 49085
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 2,270 sqft · built 2020 |
| Lot Size | 0.143 acres (6,229 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $72,000 (Jul 2016) |
| Tax Bill | $8,204 (2025) |
| Deeds & Mortgages | Nov 2025 Line of Credit Jan 2021 Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 76-1900-0132-00-5 |
| Primary APN | 76-1900-0132-00-5 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,270 sqft Living Area |
| 1st Floor Area | 1,071 sqft |
| Basement Area | 1,071 sqft |
| Year Built | Built 2020 |
|---|---|
| Effective Year Built | Effective 2020 |
| Lot Area | 6,229 sqft (0.143 acres) |
| Lot Dimensions | 125 ft deep x 50 ft wide |
| Garage Area | 552 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 460 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 | LOT 132 EDGEWATER ADD TO CTY OF ST JOSEPH |
| Legal Subdivision | EDGEWATER |
| Legal Lot Number | 132 |
| Legal Unit | 132 |
| Jurisdiction | BERRIEN MI |
| Township / Civil Division | ST. JOSEPH |
| Census Block Group | 1 |
| Census Block | 1013 |
| Census Tract | 801 |
Source: Berrien County records, as of June 5, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 460 UPTON DR, SAINT JOSEPH, MI 49085-1059 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 18, 2025 | Deed of Trust, Mortgage · Line of Credit HONOR CU |
| Jan 21, 2021 | Deed of Trust, Mortgage · Conventional Mortgage HONOR CU |
| Mar 18, 2019 | Deed of Trust, Mortgage · Construction Mortgage HONOR CU |
| Jun 18, 2021 | Deed of Trust, Mortgage · Line of Credit HONOR CU |
| Nov 1, 2022 | Deed of Trust, Mortgage · Line of Credit HONOR CU |
| Oct 19, 2018 | Intrafamily Transfer, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 25, 2016 · Amount on Record |
| Deed Sale | Jul 25, 2016 · Amount on Record |
| Prior Sale | Dec 15, 2005 · Amount on Record |
| Deed Book / Page | 3142 / 3137 |
| Last Transfer Date | Sep 23, 2024 |
| Transfer Doc | 03435/3182 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERRIEN MI |
| Property Address | 460 UPTON DR, SAINT JOSEPH, MI 49085-1059 |
| Transaction Type | Mortgage |
| Record Updated | Dec 12, 2025 |
| Name | Verified Name |
|---|---|
| Address | 460 UPTON DR, SAINT JOSEPH, MI 49085-1059 |
| Document Number | 03464/3932 |
|---|---|
| Date | Nov 18, 2025 |
| Book Page | 3464/3932 |
| Instrument | 2025446450 |
| Name | HONOR CU |
|---|---|
| Type | Credit Union |
| Address | BERRIEN SPRINGS, MI 49103 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Nov 12, 2045 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERRIEN MI |
| Property Address | 460 UPTON DR, SAINT JOSEPH, MI 49085-1059 |
| Transaction Type | Mortgage |
| Record Updated | Nov 9, 2023 |
| Name | Verified Name |
|---|
| Document Number | 03309/3250 |
|---|---|
| Date | Jan 21, 2021 |
| Book Page | 3309/3250 |
| Name | HONOR CU |
|---|---|
| Type | Credit Union |
| Address | BERRIEN SPRINGS, MI 49103 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERRIEN MI |
| Property Address | 460 UPTON DR, SAINT JOSEPH, MI 49085-1059 |
| Transaction Type | Mortgage |
| Record Updated | Nov 9, 2023 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|
| Document Number | 03232/1430 |
|---|---|
| Date | Mar 18, 2019 |
| Book Page | 3232/1430 |
| Name | HONOR CU |
|---|---|
| Type | Credit Union |
| Address | BERRIEN SPRINGS, MI 49103 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERRIEN MI |
| Property Address | 460 UPTON DR, SAINT JOSEPH, MI 49085-1059 |
| Transaction Type | Mortgage |
| Record Updated | Nov 9, 2023 |
| Name | Verified Name |
|---|
| Document Number | 03332/1723 |
|---|---|
| Date | Jun 18, 2021 |
| Book Page | 3332/1723 |
| Name | HONOR CU |
|---|---|
| Type | Credit Union |
| Address | BERRIEN SPRINGS, MI 49103 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Jun 12, 2041 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERRIEN MI |
| Property Address | 460 UPTON DR, SAINT JOSEPH, MI 49085-1059 |
| Transaction Type | Mortgage |
| Record Updated | Nov 9, 2023 |
| Name | Verified Name |
|---|---|
| Address | 460 UPTON DR, SAINT JOSEPH, MI 49085-1059 |
| Document Number | 03390/2014 |
|---|---|
| Date | Nov 1, 2022 |
| Book Page | 3390/2014 |
| Instrument | 2022366087 |
| Name | HONOR CU |
|---|---|
| Type | Credit Union |
| Address | BERRIEN SPRINGS, MI 49103 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Nov 12, 2042 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | BERRIEN MI |
| Recording Date | Oct 19, 2018 |
| Property Address | 460 UPTON DR, SAINT JOSEPH, MI 49085-1059 |
| Document Number | 03220/1083 |
| Book / Page | 3220 / 1083 |
| Map Reference | LB4 PG52 |
| Instrument Date | Oct 4, 2018 |
| Transaction Type | Transfer |
| Record Updated | Nov 9, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3001 LAKESHORE DR APT 341, 341, SAINT JOSEPH, MI 49085-2352 |
| Name | Verified Name |
|---|---|
| Address | 2909 S LAKESHORE DR APT 3, 3, SAINT JOSEPH, MI 49085-2998 |
Source: Berrien County assessment roll, as of June 5, 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 | $308,000 (+19.2%) | $616,000 (+19.2%) | |
| 2025 | $8,204.00 (+2.45%) Homeowner's exemption | $258,400 (+19.46%) | $516,800 (+19.46%) |
| 2024 | $8,008.00 (+9.26%) | ||
| 2023 | $216,300 | $432,600 | |
| 2022 | $7,329.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 97 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 |
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