Berrien County property record for 485 Upton Dr, Saint Joseph, MI 49085
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 929 sqft · built 1930 |
| Lot Size | 0.172 acres (7,492 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $165,000 (Oct 2013) |
| Tax Bill | $3,717 (2025) |
| Deeds & Mortgages | Mar 2021 Line of Credit Sep 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 76-1900-0045-00-5 |
| Primary APN | 76-1900-0045-00-5 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 929 sqft Living Area |
| 1st Floor Area | 929 sqft |
| Basement Area | 999 sqft |
| Year Built | Built 1930 |
|---|---|
| Effective Year Built | Effective 1930 |
| Lot Area | 7,492 sqft (0.172 acres) |
| Lot Dimensions | 125 ft deep x 60 ft wide |
| Garage Area | 360 sqft |
| Parking Spaces | 1 Parking Space |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 485 UPTON DR |
|---|---|
| City | SAINT JOSEPH |
| State | MI |
| Zip | 49085-1058 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 - A |
| Legal Description | THE NELY 32' OF LOT 45 & SWLY 28' OF LOT 46 EDGEWATER ADD TO CITY OF ST JOSEPH THE NELY & SWLY LNS OF SD PARCEL BEING PAR TO |
| Legal Subdivision | EDGEWATER |
| Legal Lot Number | 45-46 |
| Jurisdiction | BERRIEN MI |
| Township / Civil Division | ST. JOSEPH |
| Census Block Group | 1 |
| Census Block | 1012 |
| 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 | 485 UPTON DR, SAINT JOSEPH, MI 49085-1058 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 2, 2021 | Deed of Trust, Mortgage · Line of Credit EDGEWATER BANK |
| Sep 24, 2021 | Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 2, 2013 · Amount on Record |
| Deed Sale | Oct 2, 2013 · Amount on Record |
| Prior Sale | Apr 20, 2002 |
| Deed Book / Page | 3052 / 2662 |
| Prior Transfer Date | Jan 18, 2006 |
| Prior Transfer Doc | 02682/1632 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERRIEN MI |
| Property Address | 485 UPTON DR, SAINT JOSEPH, MI 49085-1058 |
| Transaction Type | Mortgage |
| Record Updated | Nov 9, 2023 |
| Name | Verified Name |
|---|
| Document Number | 03315/2587 |
|---|---|
| Date | Mar 2, 2021 |
| Book Page | 3315/2587 |
| Name | EDGEWATER BANK |
|---|---|
| Type | Bank |
| Address | LAWTON, MI 49065 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Mar 15, 2031 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERRIEN MI |
| Property Address | 485 UPTON DR, SAINT JOSEPH, MI 49085-1058 |
| Transaction Type | Mortgage |
| Record Updated | Nov 9, 2023 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 485 UPTON DR, SAINT JOSEPH, MI 49085-1058 |
| Document Number | 03345/2542 |
|---|---|
| Date | Sep 24, 2021 |
| Book Page | 3345/2542 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Oct 1, 2036 |
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 | $150,300 (+14.38%) | $300,600 (+14.38%) | |
| 2025 | $3,717.00 (+2.45%) Homeowner's exemption | $131,400 (+13.37%) | $262,800 (+13.37%) |
| 2024 | $3,628.00 (+9.28%) | ||
| 2023 | $115,900 | $231,800 | |
| 2022 | $3,320.00 |
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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