Berrien County property record for 521 Upton Dr, Saint Joseph, MI 49085
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,017 sqft · built 2002 |
| Lot Size | 0.187 acres (8,146 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $6,795 (2025) |
| Deeds & Mortgages | Jun 2026 Line of Credit Nov 2023 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 76-1915-0032-00-9 |
| Primary APN | 76-1915-0032-00-9 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,017 sqft Living Area |
| 1st Floor Area | 1,195 sqft |
| Basement Area | 1,195 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2002 |
| Lot Area | 8,146 sqft (0.187 acres) |
| Lot Dimensions | 127 ft deep x 64 ft wide |
| Garage Area | 470 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 521 UPTON DR |
|---|---|
| City | SAINT JOSEPH |
| State | MI |
| Zip | 49085-1092 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 - A |
| Legal Description | UNIT 32 EDGEWATER DUNES FIRST AMENDMENT LIBER 122 PAGE 71 |
| Legal Subdivision | EDGEWATER |
| Legal Unit | 32 |
| Jurisdiction | BERRIEN MI |
| Township / Civil Division | ST. JOSEPH |
| Census Block Group | 1 |
| Census Block | 1008 |
| Census Tract | 801 |
Source: Berrien County records, as of July 7, 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 | 521 UPTON DR, SAINT JOSEPH, MI 49085-1092 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 19, 2026 | Deed of Trust, Mortgage · Line of Credit CAPITAL LENDING |
| Nov 30, 2023 | Deed of Trust, Mortgage · Line of Credit COASTAL COMMUNITY BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 11, 2003 |
| Deed Sale | Mar 11, 2003 |
| Prior Sale | Oct 10, 2002 · Amount on Record |
| Deed Book / Page | 2353 / 2449 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERRIEN MI |
| Recording Date | Jun 19, 2026 |
| Property Address | 521 UPTON DR, SAINT JOSEPH, MI 49085-1092 |
| Document Number | 0000463761 |
| Book / Page | 3480 / 1840 |
| Instrument Date | Jun 6, 2026 |
| Instrument | 2026463761 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 521 UPTON DR, SAINT JOSEPH, MI 49085-1092 |
| Document Number | 0000463761, |
|---|---|
| Date | Jun 19, 2026 |
| Book Page | 3480/1840 |
| Instrument | 2026463761 |
| Name | CAPITAL LENDING |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 2, 2056 |
| Rate | 6.37% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERRIEN MI |
| Property Address | 521 UPTON DR, SAINT JOSEPH, MI 49085-1092 |
| Transaction Type | Mortgage |
| Record Updated | Dec 26, 2023 |
| Name | Verified Name |
|---|---|
| Address | 521 UPTON DR, SAINT JOSEPH, MI 49085-1092 |
| Document Number | 03416/2683 |
|---|---|
| Date | Nov 30, 2023 |
| Book Page | 3416/2683 |
| Instrument | 2023393773 |
| Name | COASTAL COMMUNITY BANK |
|---|---|
| Type | Bank |
| Address | BURLINGAME, CA 94010 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
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 | $250,300 (+28.95%) | $500,600 (+28.95%) | |
| 2025 | $6,795.00 (+11.93%) | ||
| 2023 | $194,100 | $388,200 | |
| 2022 | $6,071.00 |
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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