For Sale
1013 State Street, St. Joseph, MI 49085
$425,000
MLS # 26033752 (Michigan Regional Information Center (MichRIC))
4 beds2 baths2,651 sqftBuilt 18900.1 acres
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Listing Description
Open House: Saturday, July 18 at 11:00-1:00 pm An 1890 Victorian bungalow offering more than 2,650 sq ft of charm just blocks from Silver Beach and downtown St. Joseph. A deep front porch invites you to linger and watch beach-goers stroll by before stepping inside to gleaming, restored hardwoods and a sun-filled living room. The updated main-floor kitchen pairs quartz counters with stainless appliances, while a second kitchenette upstairs makes morning coffee or guest stays effortless. Four spacious bedrooms and two full baths provide flexible living options, and the oversized two-car garage leaves plenty of room for beach gear, bikes, and storage. Enjoy summer evenings in the fenced in backyard, good for dogs, or walk to restaurants, festivals, and the weekly farmers market--everything that makes the lakeshore lifestyle unbeatable. Schedule your private tour today and make this iconic State Street address your own!
Source: SparkMLS
About this home
Located in St Joseph in St. Joseph, this property offers 4-bedroom, 2-bath, 2,651 sq ft, with original construction dating to 1890.
Listed at $425,000 (about $160/sq ft).
Property tax estimate: $5,880 per year ($490/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
Bedrooms4
Bathrooms2
Living Area2,651 sqft
Lot Size0.1 acres
Year Built1890
Stories2
Location
CitySt. Joseph
MunicipalitySt. Joseph City
Zip Code49085
CountyBerrien
School DistrictSt. Joseph
Construction & Systems
StyleVictorian
ConstructionVinyl Siding
BasementMichigan Basement
Garage2 spaces
HeatingForced Air
WaterPublic
SewerPublic
UtilitiesPhone Available, Natural Gas Available, Electricity Available, Cable Available, Phone Connected, Natural Gas Connected, Cable Connected, High-Speed Internet
InteriorCeiling Fan(s), Broadband, Garage Door Opener, Center Island
Sale & Financing
Listed7/12/2026
Terms AcceptedCash, Conventional
Source: SparkMLS
Tax Information
Annual Tax$5,880
Tax Year2024
Assessed Value$144,520
Parcel #11-76-3170-0079-00-8
Source: SparkMLS
Legal Description
THE NELY 1/2 OF LOT 6 BLK 52 B C HOYT'S SECOND ADD TO CITY OF ST JOSEPH WHOSE SWLY LN IS PAR TO NELY LN OF SD LOT 6
Property Records
FEMA Flood Zone: Zone X — Minimal flood risk
Source: FEMA NFHLUSDA Rural Development: Not Eligible
Verify eligibility at USDAPrice & Status History
Jul 13, 2026
Listed for sale
$425,000
More Homes in St Joseph
Listed by Beth McKim
RE/MAX by the Lake
Frequently Asked Questions about 1013 State Street, St. Joseph, MI 49085
Which school district serves 1013 State Street, St. Joseph, MI 49085?
Per MLS# 26033752, 1013 State Street, 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# 26033752, this listing accepts Cash, Conventional financing. Financing acceptance is subject to change — confirm with the listing agent.
What are the property taxes at 1013 State Street, St. Joseph, MI 49085?
Per public tax records, annual property taxes for this property are $5,880 (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, 1013 State 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.
Is 1013 State Street, 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 1013 State Street, 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$2,757
Principal & interest$2,757
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
1013 State Street, St. Joseph, MI 49085
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Municipality
St Joseph
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