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2135 Derfla Dr, Saint Joseph, MI, 49085

4beds
4baths
3,418sqft
$950,000
$278price/sqft
$6,385/moest. monthly cost
$255,400/yrincome needed

About This Home

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.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
18
BikeSomewhat Bikeable

Schools

9/10
Clarke SchoolGrades K-52.4 mi
9/10
Upton Middle SchoolGrades 6-83.6 mi
9/10
St. Joseph High SchoolGrades 9-124.9 mi

Construction

Condition

  • Year built: 1970

Materials

  • Roof: Composition,Rubber
  • Construction materials: Brick,Wood Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Contemporary
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Bar Fridge,Cooktop,Dishwasher,Disposal,Double Oven,Dryer,Microwave,Refrigerator,Washer,Water Softener Owned
  • Laundry features: Lower Level

Basement

  • Has basement: Yes
  • Basement: Walk-Out Access,Other

Bathroom1

  • Level: Main
  • Area: 68.7225
  • Dimensions: 8.25 x 8.33

Bathroom2

  • Level: Lower
  • Area: 104.0325
  • Dimensions: 9.75 x 10.67

Bathroom3

  • Level: Lower
  • Area: 31.92
  • Dimensions: 5.25 x 6.08

Bedroom2

  • Level: Lower
  • Area: 361.2389
  • Dimensions: 16.67 x 21.67

Bedroom3

  • Level: Lower
  • Area: 324.135
  • Dimensions: 15.75 x 20.58

Bedroom4

  • Level: Lower
  • Area: 108.7875
  • Dimensions: 9.67 x 11.25

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1
  • Main level bedrooms: 1

Dining Room

  • Level: Main
  • Area: 351.9152
  • Dimensions: 14.56 x 24.17

Features

  • Ceiling Fan(s),Wet Bar,Eat-in Kitchen,Pantry
  • Window features: Insulated Windows,Window Treatments
  • Flooring: Ceramic Tile,Wood
  • Number of fireplaces: 2
  • Fireplace features: Living Room,Recreation Room,Wood Burning
  • Fireplace: Yes
  • Finished area below ground: 0

Heating & Cooling

  • Heating features: Hot Water
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,749
  • Total interior livable area: 3,418 sqft

Kitchen

  • Level: Main
  • Area: 283.5
  • Dimensions: 15.00 x 18.90

Laundry

  • Level: Lower
  • Area: 45.1136
  • Dimensions: 6.08 x 7.42

Living Room

  • Level: Main
  • Area: 312.7225
  • Dimensions: 16.75 x 18.67

Master Bathroom

  • Level: Main
  • Area: 51.0125
  • Dimensions: 5.83 x 8.75

Master Bedroom

  • Level: Main
  • Area: 259.875
  • Dimensions: 13.75 x 18.90

Office

  • Level: Main
  • Area: 113.04
  • Dimensions: 9.42 x 12.00

Recreation

  • Level: Lower
  • Area: 513.3725
  • Dimensions: 21.17 x 24.25

Property

Details

  • Parcel number: 111772100060002

Features

  • Stories: 1
  • Exterior features: Balcony
  • On waterfront: Yes
  • Waterfront features: River
  • Waterbody name: Saint Joseph River

Lot

  • Lot size: 0.61 Acres
  • Features: Level,Wooded,Ground Cover,Shrubs/Hedges
  • Lot size dimensions: 124 x 215

Parking

  • Total spaces: 3
  • Parking features: Garage Door Opener,Detached,Carport
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3
  • Carport: Yes

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Cold Wave
    Cold WaveRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Hail
    HailModerate
  • Lightning
    LightningModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Cold Wave
Inland Flooding
Strong Wind
Hail
Lightning
Tornado
Winter Weather
Tsunami

FEMA Declared Disasters in Berrien County and Michigan

Severe Ice Storm
Winter Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $4,803$57,636
Home Insurance *$403$4,836
Property Taxes $807$9,684
Electricity $372$4,473
Total$6,385$76,620
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$218,914/yr
40% on housing$191,550/yr
45% on housing$170,266/yr

Michigan FAIR Plan Programs

Michigan Basic Property Insurance Association

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 15,981Commercial: 293
Total Premiums$13.85M
Total Exposure$2.60B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 5.8%
5.8%
0%30.0%
Electricity Growth Rate10-year average: 3.9%
3.9%
0%15.0%
Property Taxes Growth Rate2-year average: 0.0%
0.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$278This listing

vs Other Active Listings

Avg $/sqft

ZIP 49085$238
Berrien County$245

vs Homes Sold Last Month

Median $/sqft

ZIP 49085$194
Berrien County$175

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-05-01Listed for sale$950,000
2026-03-12Sold$170,000
2025-02-17Listing removed$3,800
2024-11-21Listed for rent$3,800
2021-11-05Sold$530,000
2014-10-17Sold$308,000
2014-03-25Price change$349,900
2014-02-11Price change$369,000
2013-12-31Price change$379,000
2013-07-21Price change$389,000
2013-05-28Listed for sale$399,000
2010-07-01Sold$279,900

For Sale by Agent

AgentDavid E Shepherd
BrokerageRE/MAX by the Lake

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