Berrien County property record for 462 Upton Dr, Saint Joseph, MI 49085
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1.5 ba · 1,260 sqft · built 1923 |
| Lot Size | 0.143 acres (6,229 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $325,000 (May 2023) |
| Tax Bill | $7,282 (2025) |
| Deeds & Mortgages | Jun 2019 Mortgage Jan 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 76-1900-0131-00-9 |
| Primary APN | 76-1900-0131-00-9 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,260 sqft Living Area |
| 1st Floor Area | 888 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1923 |
|---|---|
| Effective Year Built | Effective 1923 |
| Lot Area | 6,229 sqft (0.143 acres) |
| Lot Dimensions | 125 ft deep x 50 ft wide |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 462 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 131 EDGEWATER ADD TO CTY OF ST JOSEPH |
| Legal Subdivision | EDGEWATER |
| Legal Lot Number | 131 |
| Legal Unit | 131 |
| 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 | 2826 N FRANCISCO AVE, CHICAGO, IL 60618-7710 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 25, 2019 | Deed of Trust, Mortgage · Commercial Mortgage 1ST SOURCE BANK |
| Jan 20, 2021 | Deed of Trust, Mortgage · Conventional Mortgage 1ST SOURCE BANK |
| May 23, 2023 | Warranty Deed, Transfer · Conventional Mortgage BETHPAGE FCU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 23, 2023 · Amount on Record |
| Deed Sale | May 23, 2023 · Amount on Record |
| Prior Sale | Feb 19, 1999 · Amount on Record |
| Deed Document Number | 2023381075 |
| Deed Book / Page | 3404 / 1718 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERRIEN MI |
| Property Address | 462 UPTON DR, SAINT JOSEPH, MI 49085-1059 |
| Transaction Type | Mortgage |
| Record Updated | Nov 9, 2023 |
| Name | Verified Name |
|---|
| Document Number | 03241/2073 |
|---|---|
| Date | Jun 25, 2019 |
| Book Page | 3241/2073 |
| Name | 1ST SOURCE BANK |
|---|---|
| Type | Bank |
| Address | SAINT JOSEPH, MI 49085 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 144 Months |
| Due | Jun 1, 2031 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERRIEN MI |
| Property Address | 462 UPTON DR, SAINT JOSEPH, MI 49085-1059 |
| Transaction Type | Mortgage |
| Record Updated | Nov 9, 2023 |
| Name | Verified Name |
|---|
| Document Number | 03309/2223 |
|---|---|
| Date | Jan 20, 2021 |
| Book Page | 3309/2223 |
| Name | 1ST SOURCE BANK |
|---|---|
| Type | Bank |
| Address | SOUTH BEND, IN 46601 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Feb 1, 2036 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BERRIEN MI |
| Recording Date | May 23, 2023 |
| Property Address | 462 UPTON DR, SAINT JOSEPH, MI 49085-1059 |
| Document Number | 03404/1718 |
| Book / Page | 3404 / 1718 |
| Map Reference | LB 4 PG 52 |
| Instrument Date | May 5, 2023 |
| Instrument | 2023381075 |
| Transaction Type | Transfer |
| Record Updated | Nov 9, 2023 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,437.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2826 N FRANCISCO AVE, CHICAGO, IL 60618-7710 |
| Document Number | 2023381076 |
|---|---|
| Date | May 23, 2023 |
| Instrument | 2023381076 |
| Name | BETHPAGE FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.25% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Jun 1, 2030 |
| Change Frequency | Annually |
| Min Rate At Change | 2.5% |
| Max Rate At Change | 11.2% |
| Index | 1-Year CMT |
| Max Rate | 11.2% |
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 | $155,600 (+85.68%) | $311,200 (+85.68%) | |
| 2025 | $7,282.00 (+310.95%) | ||
| 2023 | $83,800 | $167,600 | |
| 2022 | $1,772.00 |
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 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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