Sold
1019 Pearl Street, St. Joseph, MI 49085
Sold on 06/17/2026 for$339,500
MLS # 26020082 (Michigan Regional Information Center (MichRIC))
3 beds4 baths1,964 sqftBuilt 19120.09 acres
1 / 30
Listing Description
Charming Victorian-style home in the heart of downtown St. Joseph! This 3-bedroom, 4-bath home features timeless character with beautiful craftsman wood trim, high ceilings, and spacious living areas. A welcoming front porch leads to a large living room, formal dining room, and a convenient main-floor bedroom. The spacious kitchen opens to a warm family room with gas fireplace, skylight, and abundant natural light, plus a powder room. Upstairs offers a primary suite with private bath, along with two additional bedrooms and a full bath. The basement includes an additional bathroom for added convenience. Step outside to a gorgeous backyard with an expansive deck, perfect for entertaining. One-car garage with extra parking for two vehicles. Ideally located near downtown St. Joseph, beaches, parks, shopping, dining, and popular attractions including the Whirlpool Compass Fountain,explore the Silver Beach Carousel, and enjoy live music summer concerts at the bandshell. All just minutes away
Source: SparkMLS
About this home
Located in St Joseph in St. Joseph, this property offers 3-bedroom, 4-bath, 1,964 sq ft, with original construction dating to 1912.
This home sold for $339,500 (about $173/sq ft).
Estimated annual property tax: $2,557, or about $213 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
Bedrooms3
Bathrooms4
Living Area1,964 sqft
Lot Size0.09 acres
Year Built1912
Stories2
Location
CitySt. Joseph
MunicipalitySt. Joseph City
Zip Code49085
CountyBerrien
School DistrictSt. Joseph
Construction & Systems
StyleColonial
ConstructionWood Siding
BasementFull, Michigan Basement
Garage1 space
HeatingHot Water, Radiant
WaterPublic
SewerPublic
UtilitiesPhone Available, Natural Gas Available, Electricity Available, Cable Available, Natural Gas Connected, Storm Sewer, High-Speed Internet
InteriorCeiling Fan(s), Broadband, Garage Door Opener, Eat-in Kitchen
Sale & Financing
Listed5/4/2026
Sold Date6/16/2026
Terms AcceptedCash, Conventional
Source: SparkMLS
Tax Information
Annual Tax$2,557
Tax Year2024
Assessed Value$65,242
Parcel #11-76-1600-0012-00-1
Source: SparkMLS
Legal Description
LOT 12 DOWNTOWN ADD TO CITY OF ST JOSEPH
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 Joy Schwarting
Century 21 Affiliated
Frequently Asked Questions about 1019 Pearl Street, St. Joseph, MI 49085
What school district is 1019 Pearl Street, St. Joseph, MI 49085 in?
Per MLS# 26020082, 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# 26020082, the seller has indicated this property accepts the following financing types: Cash, Conventional. Financing acceptance is subject to change — confirm with the listing agent.
How much are property taxes for this home?
Per MLS# 26020082, the most recent reported annual property tax for 1019 Pearl Street, St. Joseph, MI 49085 is $2,557 (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 1019 Pearl Street, 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, 1019 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.
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Monthly payment$2,264
Principal & interest$2,264
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
1019 Pearl Street, St. Joseph, MI 49085
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Municipality
St Joseph
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