Berrien County property record for 494 Upton Dr, Saint Joseph, MI 49085
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,476 sqft · built 2009 |
| Lot Size | 0.111 acres (4,835 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $12,000 (Oct 1995) |
| Tax Bill | $5,785 (2025) |
| Deeds & Mortgages | Jan 2022 Mortgage Oct 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 76-1900-0121-04-6 |
| Primary APN | 76-1900-0121-04-6 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,476 sqft Living Area |
| 1st Floor Area | 1,476 sqft |
| Basement Area | 1,476 sqft |
| Year Built | Built 2009 |
|---|---|
| Effective Year Built | Effective 2009 |
| Lot Area | 4,835 sqft (0.111 acres) |
| Lot Dimensions | 97 ft deep x 50 ft wide |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 494 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 | THE SWLY 50' OF LOT 121 EDGEWATER ADD TO CITY OF ST JOSEPH WHOSE NELY BOUND IS PAR TO SWLY BOUND OF SD LOT 121 EXC NWLY 108' OF LOT 121 WHOSE SELY BOUND IS PAR TO NWLY BOUND OF SD LOT 121 |
| Legal Subdivision | EDGEWATER |
| Legal Lot Number | 121 |
| 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 | Individual Name on Record |
|---|---|
| Mailing Address | 494 UPTON DR, SAINT JOSEPH, MI 49085-1059 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 6, 2022 | Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV |
| Oct 7, 2022 | Intrafamily Transfer, Transfer · Conventional Mortgage UNITED FCU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 24, 1995 · Amount on Record |
| Deed Sale | Oct 24, 1995 · Amount on Record |
| Prior Sale | Sep 28, 1993 · Amount on Record |
| Deed Book / Page | 1716 / 1355 |
| Last Transfer Date | Sep 30, 2022 |
| Transfer Doc | 003388/911 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERRIEN MI |
| Property Address | 494 UPTON DR, SAINT JOSEPH, MI 49085-1059 |
| Transaction Type | Mortgage |
| Record Updated | Nov 9, 2023 |
| Name | Verified Name |
|---|---|
| Address | 494 UPTON DR, SAINT JOSEPH, MI 49085-1059 |
| Document Number | 03359/2209 |
|---|---|
| Date | Jan 6, 2022 |
| Book Page | 3359/2209 |
| Instrument | 2022339859 |
| Name | DEPARTMENT OF HOUSING & URBAN DEV |
|---|---|
| Type | Government Agency |
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 1, 2052 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | BERRIEN MI |
| Recording Date | Oct 7, 2022 |
| Property Address | 494 UPTON DR, SAINT JOSEPH, MI 49085-1059 |
| Document Number | 003388/911 |
| Book / Page | 3388 / 911 |
| Map Reference | VOL 4 PG 52 |
| Instrument Date | Sep 30, 2022 |
| Instrument | 2022364325 |
| Transaction Type | Transfer |
| Record Updated | Nov 9, 2023 |
| Title Company | NEAR NORTH TITLE GROUP |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 494 UPTON DR, SAINT JOSEPH, MI 49085-1059 |
| Document Number | 0033880913 |
|---|---|
| Date | Oct 7, 2022 |
| Instrument | 3388-0913 |
| Name | UNITED FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2052 |
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 | $229,400 (+10.77%) | $458,800 (+10.77%) | |
| 2025 | $5,785.00 (+2.44%) Homeowner's exemption | $207,100 (+19.09%) | $414,200 (+19.09%) |
| 2024 | $5,647.00 (+9.27%) | ||
| 2023 | $173,900 | $347,800 | |
| 2022 | $5,168.00 |
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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures