Sold
1862 Derfla Drive, St. Joseph, MI 49085
Sold on 01/15/2026 for$410,000
MLS # 25053956 (Michigan Regional Information Center (MichRIC))
5 beds3 baths2,200 sqftBuilt 20080.35 acres
1 / 44
Listing Description
Discover the ultimate retreat in Southwest Michigan, spacious, luxury living. Kitchen /Granite countertops,Stainless Appliances. Beautiful hardwood floors. This impressive 5-bedroom, 2.5-bath home is perfectly positioned across the street from the St. Joseph River, offering a lifestyle of tranquility and outdoor enjoyment. Step onto the large deck, a true outdoor haven, featuring two elegant gazebos at each end One for dining and the other is just outside the main bedroom/private hot tub awaits, offering a secluded space to unwind under the stars .3 access areas near by to St.Joseph river on jasper Rd there is a boat launch area .Make this your dream home.
Source: SparkMLS
About this home
Located in Royalton Township in St. Joseph, this property offers 5-bedroom, 3-bath, 2,200 sq ft, with original construction dating to 2008.
Final sale price: $410,000 (about $186/sq ft).
Annual property taxes run approximately $3,586 ($299/month). Tax figure is from the MLS listing record; verify with the county treasurer for the most current amount.
Electric service is provided by Indiana Michigan Power Company; natural gas by Michigan Gas Utilities Corporation. Broadband is available with download speeds up to 2,000 Mbps from 8 providers.
Listing Property Details
Property TypeResidential
Property SubtypeSingle Family Residence
Bedrooms5
Bathrooms3
Living Area2,200 sqft
Lot Size0.35 acres
Year Built2008
Stories2
Location
CitySt. Joseph
MunicipalityRoyalton Twp
Zip Code49085
CountyBerrien
School DistrictSt. Joseph
Construction & Systems
StyleTraditional
ConstructionBrick, Vinyl Siding
BasementCrawl Space, Daylight
Garage2 spaces
HeatingForced Air
WaterWell
SewerSeptic Tank
UtilitiesPhone Available, Natural Gas Available, Electricity Available, Cable Available, Natural Gas Connected
InteriorCeiling Fan(s), Broadband, Hot Tub Spa, Eat-in Kitchen
Sale & Financing
Listed10/22/2025
Sold Date1/14/2026
Original Price$475,000
Terms AcceptedCash, FHA, VA Loan, MSHDA, Conventional
Concessions$10,000
Source: SparkMLS
Tax Information
Annual Tax$3,586
Tax Year2025
Assessed Value$146,902
Parcel #11-17-7200-0030-01-7
Source: SparkMLS
Legal Description
LOTS 30 & 31 SHADY SHORES
Property Records
FEMA Flood Zone: Zone AE — 100-year floodplain
Flood insurance required for federally backed mortgages
Source: FEMA NFHLUSDA Rural Development: Eligible — 0% Down Payment Available
Verify eligibility at USDAListed by Donald W. Fulton
Coldwell Banker Realty
Frequently Asked Questions about 1862 Derfla Drive, St. Joseph, MI 49085
Which school district serves 1862 Derfla Drive, St. Joseph, MI 49085?
Per MLS# 25053956, 1862 Derfla Drive, St. Joseph, MI 49085 is in the St. Joseph boundaries. School district assignments are determined by property location and may differ from the mailing city. Contact St. Joseph directly to confirm enrollment eligibility.
What type of financing is accepted for this listing?
Per MLS# 25053956, this listing accepts Cash, FHA, VA Loan, MSHDA, Conventional financing. FHA financing can offer lower down payment requirements for qualified buyers. Financing acceptance is subject to change — confirm with the listing agent.
What are the property taxes at 1862 Derfla Drive, St. Joseph, MI 49085?
Per public tax records, annual property taxes for this property are $3,586 (2025). Michigan property taxes are based on a property's taxable value multiplied by the local millage rate. Primary residences qualify for a homestead exemption that lowers the rate.
Can I use a USDA Rural Development loan for this property?
Per USDA Rural Development boundary data, 1862 Derfla Drive, St. Joseph, MI 49085 is in an eligible area. USDA RD loans offer 0% down payment for qualified buyers. Verify current eligibility at the USDA eligibility site, as boundaries are updated periodically.
Is 1862 Derfla Drive, St. Joseph, MI 49085 in a flood zone?
Per FEMA flood maps, this property is designated as Zone AE, a high-risk flood area. Flood insurance is required for federally-backed mortgages in this zone. FEMA flood maps are updated periodically — verify the current designation at msc.fema.gov.
What internet service is available at this address?
Per FCC Broadband Data Collection filings, fiber internet is not currently available at 1862 Derfla Drive, St. Joseph, MI 49085. The maximum advertised download speed is 2.0 Gbps. 8 internet providers serve this address. Confirm availability and speeds directly with providers.
What utilities serve 1862 Derfla Drive, St. Joseph, MI 49085?
Per Michigan Public Service Commission service territory data: Electric: Indiana Michigan Power Company. Gas: Michigan Gas Utilities Corporation. Sewer: Septic Tank. Water: Well. Confirm service details directly with providers.
What is the crime rate in this area?
For crime and public safety data, we recommend inquiring directly with the Royalton Twp police department or the Berrien County sheriff's office.
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Mortgage Calculator
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Monthly payment$2,821
Principal & interest$2,821
Estimate only. Does not include PMI or other fees. Consult a lender for exact rates.
Internet
Download
2 Gbps
Upload
250 Mbps
CableLicensed Fixed WirelessGSO SatelliteUnlicensed Fixed WirelessSatelliteDSL
8 providers at this address
XfinityCable
2 GbpsVerizonLicensed Fixed Wireless
300 MbpsStarlinkGSO Satellite
280 MbpsMercury FiberUnlicensed Fixed Wireless
150 MbpsViasat IncSatellite
100 MbpsAT&TDSL
75 MbpsHughesNetSatellite
50 MbpsT-MobileLicensed Fixed Wireless
25 MbpsFCC Broadband Data Collection (Dec 2025). Max advertised speeds.
Utilities
Indiana Michigan Power Company
Investor-Owned
Michigan Gas Utilities Corporation
Investor-Owned
MI Public Service Commission service territory boundaries.
Property
1862 Derfla Drive, St. Joseph, MI 49085
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Municipality
Royalton Township
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