Sold
1004 Harrison Avenue, St. Joseph, MI 49085
Sold on 04/24/2026 for$305,000
MLS # 26009379 (Michigan Regional Information Center (MichRIC))
3 beds2 baths1,440 sqftBuilt 19200.09 acres
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Listing Description
This charming home perfectly blends historic charm with modern convenience in coveted downtown St. Joseph. The upper level features three bedrooms and a full bathroom with ample closet space. The main floor offers open living space with newer flooring that flows into the full kitchen and dining area. A full bathroom with Jacuzzi tub completes the main level. The dry basement provides laundry area, workspace, and storage. Outside, enjoy a fenced-in backyard and patio perfect for gatherings, plus a storage shed and concrete parking pad for off-street parking. Walk to everything downtown St. Joseph offers - restaurants, cafes, schools, shopping, and beautiful Lake Michigan beaches. This is a rare opportunity to own a beautifully updated home where historic charm meets modern living.
Source: SparkMLS
About this home
3-bedroom, 2-bath, 1,440 sq ft home in St Joseph in St. Joseph built in 1920.
This home sold for $305,000 (about $212/sq ft).
Annual property taxes run approximately $4,076 ($340/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.
Listing Property Details
Property TypeResidential
Property SubtypeSingle Family Residence
Bedrooms3
Bathrooms2
Living Area1,440 sqft
Lot Size0.09 acres
Year Built1920
Stories2
Location
CitySt. Joseph
MunicipalitySt. Joseph City
Zip Code49085
CountyBerrien
School DistrictSt. Joseph
Construction & Systems
StyleTraditional
ConstructionVinyl Siding
BasementFull, Michigan Basement
HeatingHot Water, Radiant
WaterPublic
SewerPublic
UtilitiesPhone Available, Natural Gas Available, Electricity Available, Cable Available, Natural Gas Connected
InteriorCenter Island
Sale & Financing
Listed3/16/2026
Sold Date4/23/2026
Terms AcceptedCash, Conventional
Source: SparkMLS
Tax Information
Annual Tax$4,076
Tax Year2024
Assessed Value$104,027
Parcel #11-76-2650-0039-00-8
Source: SparkMLS
Legal Description
THE E 33' OF LOT 39 GARD & HAMILTONS ADD TO CITY OF ST JOSEPH
Property Records
FEMA Flood Zone: Zone X — Minimal flood risk
Source: FEMA NFHLUSDA Rural Development: Not Eligible
Verify eligibility at USDAListed by Jill Golden
Realty Executives Instant Equity
Frequently Asked Questions about 1004 Harrison Avenue, St. Joseph, MI 49085
Which school district serves 1004 Harrison Avenue, St. Joseph, MI 49085?
Per MLS# 26009379, 1004 Harrison Avenue, 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.
Can I use FHA or VA financing for this property?
Per MLS# 26009379, this listing accepts Cash, Conventional financing. Financing acceptance is subject to change — confirm with the listing agent.
What are the property taxes at 1004 Harrison Avenue, St. Joseph, MI 49085?
Per public tax records, annual property taxes for this property are $4,076 (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.
Can I use a USDA Rural Development loan for this property?
Per USDA Rural Development boundary data, 1004 Harrison Avenue, St. Joseph, MI 49085 is not in an eligible area. USDA eligibility is based on property location — properties within designated urban zones are excluded. Other low-down-payment options (FHA, VA) may still be available.
Is 1004 Harrison Avenue, St. Joseph, MI 49085 in a flood zone?
Per FEMA flood maps, this property is designated as Zone X, a minimal-risk flood area. Flood insurance is not typically required in this zone but may still be advisable. FEMA flood maps are updated periodically — verify the current designation at msc.fema.gov.
What utilities serve 1004 Harrison Avenue, St. Joseph, MI 49085?
Per Michigan Public Service Commission service territory data: Electric: Indiana Michigan Power Company. Gas: Michigan Gas Utilities Corporation. Sewer: Public. Water: Public. 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 St. Joseph City police department or the Berrien County sheriff's office.
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Monthly payment$2,024
Principal & interest$2,024
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
1004 Harrison Avenue, St. Joseph, MI 49085
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Municipality
St Joseph
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