For Sale
1012 Pearl Street, St. Joseph, MI 49085
$659,900
MLS # 26019503 (Michigan Regional Information Center (MichRIC))
5 beds4 baths3,266 sqftBuilt 19120.24 acres
1 / 63
Listing Description
Built in 1912, this historic 5 bedroom, 4 full bath downtown St. Joe home sits on a quarter acre along the Lake Michigan shoreline community of Southwest Michigan, just a few minutes from Silver Beach, the St. Joseph River, and the marinas just down the hill. Steps from schools, a charming downtown filled with shops and restaurants, and Kiwanis Park without crossing a road, the location is simply ideal. St. Joseph is known for its beautiful beaches, vibrant historic downtown, and an abundance of outdoor activities that make it equally appealing as a year round residence or vacation home. Situated along the Lake Michigan Shore Wine Trail and just about two hours from Chicago, it is the kind of place that is easy to fall in love with and hard to leave. The main level impresses with quarter sawn white oak floors by Mattson Custom Floors, custom Amish cabinetry, new custom built-in shelves framing the fireplace, and a vintage clawfoot tub that anchors the character of the home. New light
Source: SparkMLS
About this home
Located in St Joseph in St. Joseph, this property offers 5-bedroom, 4-bath, 3,266 sq ft, with original construction dating to 1912.
Asking $659,900 (about $202/sq ft).
Estimated annual property tax: $9,524, or about $794 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
Bedrooms5
Bathrooms4
Living Area3,266 sqft
Lot Size0.24 acres
Year Built1912
Stories2
Location
CitySt. Joseph
MunicipalitySt. Joseph City
Zip Code49085
CountyBerrien
School DistrictSt. Joseph
Construction & Systems
StyleTraditional
ConstructionVinyl Siding
BasementFull
Garage1 space
HeatingBaseboard, Forced Air
WaterPublic
SewerPublic
UtilitiesNatural Gas Available, Electricity Available, Cable Available, Natural Gas Connected, Cable Connected, High-Speed Internet
InteriorCeiling Fan(s), Broadband, Garage Door Opener, Wet Bar
Sale & Financing
Listed5/1/2026
Original Price$700,000
Terms AcceptedCash, FHA, VA Loan, Conventional
Source: SparkMLS
Tax Information
Annual Tax$9,524
Tax Year2024
Assessed Value$243,032
Parcel #11-76-3160-0031-00-8
Source: SparkMLS
Legal Description
COM 30' S58DEG45'E OF NWLY COR LOT 1 BLK 22 HOYT'S ADD TO CITY OF ST JOSEPH TH S31 DEG15'W 264' TH N58DEG45'W 40' TH N31DEG15'E 264' TH S58DEG45'E 40' TO BEG BEING THE WLY 30'OF LOTS 1 2 3 & 4 BLK 22 & THE E 10'OF VACATED ALLEY LYING WLY OF SD LOTS
Property Records
FEMA Flood Zone: Zone X — Minimal flood risk
Source: FEMA NFHLUSDA Rural Development: Not Eligible
Verify eligibility at USDAPrice & Status History
Jul 24, 2026
Price changed
$659,900($674,900 → $659,900)-2.2%
May 2, 2026
Listed for sale
$700,000
More Homes in St Joseph
Listed by Cathy Ficks-Blasy
Epique Realty
Frequently Asked Questions about 1012 Pearl Street, St. Joseph, MI 49085
What school district is 1012 Pearl Street, St. Joseph, MI 49085 in?
Per MLS# 26019503, 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# 26019503, 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# 26019503, the most recent reported annual property tax for 1012 Pearl Street, St. Joseph, MI 49085 is $9,524 (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 1012 Pearl Street, St. Joseph, MI 49085 eligible for USDA financing?
Per USDA Rural Development boundary data, 1012 Pearl Street, 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.
What is the FEMA flood zone designation for this property?
Per FEMA's National Flood Hazard Layer, 1012 Pearl Street, 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.
Map
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Monthly payment$4,280
Principal & interest$4,280
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
1012 Pearl Street, St. Joseph, MI 49085
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Municipality
St Joseph
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