For Sale
101 Lighthouse Dunes Path, St. Joseph, MI 49085
$2,900,000
MLS # 26024191 (Michigan Regional Information Center (MichRIC))
5 beds6 baths6,290 sqftBuilt 20040.49 acres
1 / 50
Listing Description
Spanning over 6,000 square feet, this stunning 5-bedroom, 5.5-bath single-family residence is masterfully designed for those who demand the finest in both comfort and lifestyle. Perched in one of St. Joseph's most coveted settings, enjoy breathtaking Lake Michigan views without the worry of erosion -- a rare and invaluable distinction in this market. The heart of the home is a true showstopper -- a gourmet kitchen appointed with gleaming quartz countertops, a commanding center island, custom cabinetry, built-in seating, and a thoughtfully designed built-in desk area that blends beauty with everyday functionality. Adjacent to the kitchen, a sophisticated wet bar complete with ice maker and beverage fridge flows seamlessly to the deck and screened gazebo -- making indoor-outdoor entertaining an absolute art form. Whether you're hosting an intimate dinner or a grand gathering, this space delivers effortlessly.
Source: SparkMLS
About this home
5-bedroom, 6-bath, 6,290 sq ft home in St Joseph in St. Joseph built in 2004.
Listed at $2,900,000 (about $461/sq ft).
Annual property taxes run approximately $40,887 ($3,407/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
Bedrooms5
Bathrooms6
Living Area6,290 sqft
Lot Size0.49 acres
Year Built2004
Stories3
Location
CitySt. Joseph
MunicipalitySt. Joseph City
Zip Code49085
CountyBerrien
School DistrictSt. Joseph
Construction & Systems
StyleTraditional
ConstructionStone, Wood Siding
BasementWalk-Out Access
Garage3 spaces
HeatingForced Air
WaterPublic
SewerPublic
UtilitiesNatural Gas Connected, High-Speed Internet
InteriorCeiling Fan(s), Central Vacuum, Garage Door Opener, Wet Bar, Center Island, Eat-in Kitchen, Pantry
Sale & Financing
Listed5/21/2026
Terms AcceptedCash, FHA, VA Loan, Conventional
HOA
HOA Fee$1,200 / Annually
IncludesOther, Snow Removal
Source: SparkMLS
Tax Information
Annual Tax$40,887
Tax Year2025
Assessed Value$1,018,463
Parcel #11-76-4690-0001-00-1
Source: SparkMLS
Legal Description
UNIT 1 LIGHTHOUSE DUNES LIBER 157 PAGE 1
Property Records
FEMA Flood Zone: Zone X — Minimal flood risk
Source: FEMA NFHLUSDA Rural Development: Eligible — 0% Down Payment Available
Verify eligibility at USDAListed by Carole Reitz
RE/MAX by the Lake
Frequently Asked Questions about 101 Lighthouse Dunes Path, St. Joseph, MI 49085
What school district is 101 Lighthouse Dunes Path, St. Joseph, MI 49085 in?
Per MLS# 26024191, this property is served by St. Joseph. In Michigan, school district boundaries are set by the state and do not always follow city limits.
Can I use FHA or VA financing for this property?
Per MLS# 26024191, 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# 26024191, the most recent reported annual property tax for 101 Lighthouse Dunes Path, St. Joseph, MI 49085 is $40,887 (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.
Is 101 Lighthouse Dunes Path, 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, 101 Lighthouse Dunes Path, St. Joseph, MI 49085 is in flood zone X (minimal risk). 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.
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: Public. Water: Public. Confirm service details directly with providers.
How safe is 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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Mortgage Calculator
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Monthly payment$18,909
Principal & interest$18,809
HOA$100
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
101 Lighthouse Dunes Path, St. Joseph, MI 49085
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Municipality
St Joseph
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