Berrien County property record for 533 Upton Dr, Saint Joseph, MI 49085
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,924 sqft · built 2005 |
| Lot Size | 0.188 acres (8,189 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $578,500 (Nov 2025) |
| Tax Bill | $8,303 (2025) |
| Deeds & Mortgages | Oct 2018 Mortgage Aug 2005 Construction Loan + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 76-1915-0033-00-5 |
| Primary APN | 76-1915-0033-00-5 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 2 Stories |
| Building Area | 1,924 sqft Living Area |
| 1st Floor Area | 1,909 sqft |
| Basement Area | 1,909 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Lot Area | 8,189 sqft (0.188 acres) |
| Lot Dimensions | 128 ft deep x 64 ft wide |
| Garage Area | 434 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 533 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 33 EDGEWATER DUNES FIRST AMENDMENT LIBER 122 PAGE 71 |
| Legal Subdivision | EDGEWATER |
| Legal Unit | 33 |
| Jurisdiction | BERRIEN MI |
| Township / Civil Division | ST. JOSEPH |
| Census Block Group | 1 |
| Census Block | 1008 |
| 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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 533 UPTON DR, SAINT JOSEPH, MI 49085-1092 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Oct 9, 2018 | Deed of Trust, Mortgage · SBA Mortgage UNITED FCU |
| Aug 9, 2005 | Deed of Trust, Mortgage · Construction Mortgage LIBERTY SAVINGS BANK FSB |
| Nov 5, 2013 | Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA |
| Nov 12, 2025 | Warranty Deed, Transfer FIDELITY NATIONAL TITLE |
| Aug 4, 2006 | Warranty Deed, Subdivision Related Transfer · ARM WELLS FARGO BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 12, 2025 · Amount on Record |
| Deed Sale | Nov 12, 2025 · Amount on Record |
| Prior Sale | Aug 4, 2006 · Amount on Record |
| Deed Document Number | 2025446038 |
| Deed Book / Page | 3464 / 1915 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERRIEN MI |
| Property Address | 533 UPTON DR, SAINT JOSEPH, MI 49085-1092 |
| Transaction Type | Mortgage |
| Record Updated | Jun 8, 2026 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 03219/1145 |
|---|---|
| Date | Oct 9, 2018 |
| Book Page | 3219/1145 |
| Name | UNITED FCU |
|---|---|
| Type | Credit Union |
| Address | SAINT JOSEPH, MI 49085 |
| Type | SBA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERRIEN MI |
| Property Address | 533 UPTON DR, SAINT JOSEPH, MI 49085-1092 |
| Transaction Type | Mortgage |
| Record Updated | Jun 8, 2026 |
| Title Company | METROPOLITAN TITLE/IN LLC, METROPOLITAN TITLE IN LLC |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 02635/0195 |
|---|---|
| Date | Aug 9, 2005 |
| Book Page | 2635/0195 |
| Name | LIBERTY SAVINGS BANK FSB |
|---|---|
| Type | Bank |
| Address | 12276 SAN JOSE BLVD STE 108, JACKSONVILLE, FL 32223 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERRIEN MI |
| Property Address | 533 UPTON DR, SAINT JOSEPH, MI 49085-1092 |
| Transaction Type | Mortgage |
| Record Updated | Jun 8, 2026 |
| Title Company | LSI |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 03056/0380 |
|---|---|
| Date | Nov 5, 2013 |
| Book Page | 3056/0380 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 1, 2043 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BERRIEN MI |
| Recording Date | Nov 12, 2025 |
| Property Address | 533 UPTON DR, SAINT JOSEPH, MI 49085-1092 |
| Document Number | 03464/1915 |
| Book / Page | 3464 / 1915 |
| Map Reference | LB 122 PG 1 |
| Instrument Date | Nov 10, 2025 |
| Instrument | 2025446038 |
| Transaction Type | Transfer |
| Record Updated | Dec 8, 2025 |
| Title Company | FIDELITY NATIONAL TITLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $4,338.75 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 533 UPTON DR, SAINT JOSEPH, MI 49085-1092 |
| Name | Verified Name |
|---|---|
| Address | 533 UPTON DR, SAINT JOSEPH, MI 49085-1092 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BERRIEN MI |
| Recording Date | Aug 4, 2006 |
| Property Address | 533 UPTON DR, SAINT JOSEPH, MI 49085-1092 |
| Document Number | 02731/1876 |
| Book / Page | 2731 / 1876 |
| Map Reference | LB122 PG1 |
| Instrument Date | May 26, 2006 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Jun 8, 2026 |
| Title Company | CHICAGO TITLE OF MI INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,743.40 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1620 N IRONWOOD DR, SOUTH BEND, IN 46635-1893 |
| Name | Verified Name |
|---|---|
| Address | 531 UPTON DR, SAINT JOSEPH, MI 49085-1092 |
| Investor | Possibly a Property Investor |
| Document Number | 0027311878 |
|---|---|
| Date | Aug 4, 2006 |
| Instrument | 2731/1878 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 358 Months |
| Due | Jun 1, 2036 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.62% |
| Index | 1-Year T-Bill |
| Document Number | 02731/1901 |
|---|---|
| Date | Aug 4, 2006 |
| Book Page | 2731/1901 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | 101 N PHILLIPS AVE, SIOUX FALLS, SD 57104 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 477 Months |
| Due | May 26, 2046 |
| 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 | $271,600 (-4.6%) | $543,200 (-4.6%) | |
| 2025 | $8,303.00 (+2.44%) Homeowner's exemption | $284,700 (+19.02%) | $569,400 (+19.02%) |
| 2024 | $8,105.00 (+9.26%) | ||
| 2023 | $239,200 | $478,400 | |
| 2022 | $7,418.00 |
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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