Berrien County property record for 82 Derfla Dr, Saint Joseph, MI 49085
| Property Type | Residential Vacant Land |
|---|---|
| Lot Size | 0.348 acres (15,159 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $124 (2025) |
| Deeds & Mortgages | Feb 2017 Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 17-7210-0082-00-6 |
| Primary APN | 17-7210-0082-00-6 |
|---|---|
| Alternative APN |
|
| Lot Area | 15,159 sqft (0.348 acres) |
|---|---|
| Lot Dimensions | 150 ft deep x 101 ft wide |
| Heating System | Forced Air with A/C |
|---|
| Street Address | DERFLA DR |
|---|---|
| City | SAINT JOSEPH |
| State | MI |
| Zip | 49085 |
| Property Category | Residential |
| Property Type | Vacant Land > Residential |
| Local Zoning Code | R1 - LD |
| Legal Description | LOT 82 SHADY SHORES NO 1 |
| Legal Subdivision | SHADY SHORES #1 |
| Legal Lot Number | 82 |
| Legal Unit | 82 |
| Jurisdiction | BERRIEN MI |
| Township / Civil Division | ROYALTON |
| Census Block Group | 3 |
| Census Block | 3001 |
| Census Tract | 1800 |
82 Derfla Dr, residential vacant land, is owned by an individual who acquired it in September 2005.
Source: Berrien County records, as of September 28, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 2049 DERFLA DR, SAINT JOSEPH, MI 49085-9638 |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 28, 1986 |
| Deed Sale | Jul 28, 1986 |
| Prior Sale | Jan 23, 1978 · Amount on File |
| Deed Book / Page | 1271 / 702 |
| Last Transfer Date | Sep 15, 2005 |
| Transfer Doc | 02647/0928 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERRIEN MI |
| Property Address | DERFLA DR, SAINT JOSEPH, MI 49085 |
| Transaction Type | Mortgage |
| Record Updated | Nov 9, 2023 |
| Title Company | E-CHICAGO TITLE, CHICAGO TITLE |
| Name | Verified Name |
|---|
| Document Number | 03162/1733 |
|---|---|
| Date | Feb 3, 2017 |
| Book Page | 3162/1733 |
| Name | CHEMICAL BANK |
|---|---|
| Type | Bank |
| Address | WYOMING, MI 49519 |
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.62% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Mar 1, 2027 |
| Change Frequency | Annually |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 5.62% |
| Index | 1-Year CMT |
| Max Rate | 9.62% |
The 2025 property tax bill for 82 Derfla Dr was $124, down 19% from the year before.
Source: Berrien County assessment roll, as of September 28, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Berrien County |
| County Subdivision | Royalton Township |
| Unified School District | St. Joseph Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $20,900 (+309.8%) | $41,800 (+309.8%) | |
| 2025 | $124.00 (-18.95%) | $5,100 | $10,200 |
| 2024 | $153.00 | ||
| 2023 | $11,900 | $23,800 | |
| 2022 | $242.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 82 Derfla Dr in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective September 10, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 17 policies |
| Nearby Flood Policies | 17 in force |
| Nearby Flood Claims | 43 (1978–2018) |
| Claims Outside the SFHA | 11 of 43 |
| Most Recent Claim | Mar 2018 · river or lake flooding |
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.
Wildfire risk around 82 Derfla Dr is low, with a 0.01% annual chance of wildfire.
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 | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 120 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| Mercury Fiber Fixed Wireless | 150 / 20 |
5G (outdoors only) and 4G LTE
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