For Sale
2135 Derfla Drive, St. Joseph, MI 49085
$950,000
MLS # 26019439 (Michigan Regional Information Center (MichRIC))
4 beds4 baths3,418 sqftBuilt 19700.61 acres
1 / 80
Listing Description
Discover a riverfront sanctuary where modern design meets timeless artistry. Sculpted into 0.61 lush, river-kissed acres, this Frank Lloyd Wright-inspired masterpiece blurs the line between art and refuge. Clean horizontal lines, dramatic cantilevers, and walls of glass frame hypnotic views of the St. Joseph River, pulling shimmering water and sunset colors into every gathering space. Inside, four generously scaled bedrooms and 3.5 baths celebrate organic luxury. An open chef's kitchen anchors the main level with pro-grade appliances and a hidden pantry, while the fire-placed great room spills onto a porch crafted for year-round stargazing. Wake in the primary suite to songbirds dancing across the water, then melt into a spa shower. Launch kayaks from your private bank, host friends on the riverside terrace, and return to a home that feels alive with light, wood, and water. Ready to live the river dream? Book your private showing today before this architectural jewel flows away.
Source: SparkMLS
About this home
4-bedroom, 4-bath, 3,418 sq ft home in Royalton Township in St. Joseph built in 1970.
Asking $950,000 (about $278/sq ft).
Estimated annual property tax: $7,160, or about $597 monthly. 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.
Listing Property Details
Property TypeResidential
Property SubtypeSingle Family Residence
Bedrooms4
Bathrooms4
Living Area3,418 sqft
Lot Size0.61 acres
Year Built1970
Stories1
Location
CitySt. Joseph
MunicipalityRoyalton Twp
Zip Code49085
CountyBerrien
School DistrictSt. Joseph
Construction & Systems
StyleContemporary
ConstructionBrick, Wood Siding
BasementWalk-Out Access, Other
Garage3 spaces
HeatingHot Water
WaterWell
SewerSeptic Tank
UtilitiesNatural Gas Connected, Cable Connected, High-Speed Internet
InteriorCeiling Fan(s), Garage Door Opener, Wet Bar, Eat-in Kitchen, Pantry
Sale & Financing
Listed4/30/2026
Terms AcceptedCash, FHA, VA Loan, Conventional
Source: SparkMLS
Tax Information
Annual Tax$7,160
Tax Year2024
Assessed Value$172,774
Parcel #11-17-7210-0060-00-2
Source: SparkMLS
Legal Description
LOT 60 SHADY SHORES NO 1
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 David E Shepherd
RE/MAX by the Lake
Frequently Asked Questions about 2135 Derfla Drive, St. Joseph, MI 49085
What school district is 2135 Derfla Drive, St. Joseph, MI 49085 in?
Per MLS# 26019439, this property is served by St. Joseph. In Michigan, school district boundaries are set by the state and do not always follow city limits.
What type of financing is accepted for this listing?
Per MLS# 26019439, the seller has indicated this property accepts the following financing types: Cash, FHA, VA Loan, Conventional. FHA financing can offer lower down payment requirements for qualified buyers. Financing acceptance is subject to change — confirm with the listing agent.
How much are property taxes for this home?
Per MLS# 26019439, the most recent reported annual property tax for 2135 Derfla Drive, St. Joseph, MI 49085 is $7,160 (2024). 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.
Is 2135 Derfla Drive, St. Joseph, MI 49085 eligible for USDA financing?
Per USDA boundary maps, this property is located in a USDA-eligible area, which means qualified buyers may be able to finance with 0% down through the USDA Rural Development program. Confirm current eligibility directly with USDA.
What is the FEMA flood zone designation for this property?
Per FEMA's National Flood Hazard Layer, 2135 Derfla Drive, St. Joseph, MI 49085 is in flood zone AE (high risk). 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.
Who are the utility providers for this property?
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.
How safe is 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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Monthly payment$6,162
Principal & interest$6,162
Estimate only. Does not include PMI or other fees. Consult a lender for exact rates.
Utilities
Indiana Michigan Power Company
Investor-Owned
Michigan Gas Utilities Corporation
Investor-Owned
MI Public Service Commission service territory boundaries.
Property
2135 Derfla Drive, St. Joseph, MI 49085
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Municipality
Royalton Township
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