For Sale
103 N Pier Street, St. Joseph, MI 49085
$2,395,000
MLS # 26017857 (Michigan Regional Information Center (MichRIC))
6 beds4 baths2,533 sqftBuilt 18760.34 acres
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Listing Description
Welcome to a once-in-a-lifetime opportunity to own a true piece of Great Lakes history--originally established in 1876 as 'Coast Guard St. Joseph and Life-Saving Station', one of only nine stations serving the Great Lakes. This iconic property has been masterfully reimagined into a stunning 2,533 SqFt luxury residence where historic significance meets modern sophistication. Featuring 6 bedrooms and 4 full baths, including two main-floor en-suite primary retreats, this home offers exceptional flexibility for guests and multi-generational living. The gourmet kitchen showcases high-end finishes and thoughtful design, perfect for entertaining or quiet waterfront mornings or evenings. Enjoy captivating water views of the channel connecting the St. Joseph River to Lake Michigan, where boats pass by and sunsets steal the show. A spacious basement provides excellent storage, while every inch of the home reflects top-to-bottom luxury renovations. 'See More Remarks'
Source: SparkMLS
About this home
6-bedroom, 4-bath, 2,533 sq ft home in St Joseph in St. Joseph built in 1876.
Listed at $2,395,000 (about $946/sq ft).
Property tax estimate: $17,033 per year ($1,419/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
Bedrooms6
Bathrooms4
Living Area2,533 sqft
Lot Size0.34 acres
Year Built1876
Stories2
Location
CitySt. Joseph
MunicipalitySt. Joseph City
Zip Code49085
CountyBerrien
School DistrictSt. Joseph
Construction & Systems
StyleHistoric
ConstructionBrick, Shingle Siding, Other
BasementFull
HeatingForced Air
WaterPublic
SewerPublic
UtilitiesPhone Available, Natural Gas Available, Electricity Available, Cable Available, Phone Connected, Natural Gas Connected, Cable Connected, Storm Sewer, High-Speed Internet
InteriorBroadband, Eat-in Kitchen
Sale & Financing
Listed4/23/2026
Terms AcceptedCash, VA Loan, Conventional
Source: SparkMLS
Tax Information
Annual Tax$17,033
Tax Year2026
Assessed Value$327,384
Parcel #11-76-0023-0021-00-5
Source: SparkMLS
Legal Description
COM AT THE NE COR OF SEC 23 T4S R19W TH W ON THE N LN OF SD SEC 2651.54' TH S 606.75' TH S36DEG19'23
Property Records
FEMA Flood Zone: Zone X — Minimal flood risk
Source: FEMA NFHLUSDA Rural Development: Not Eligible
Verify eligibility at USDAListed by Kevin Putnam
Five Star Real Estate-Douglas
Frequently Asked Questions about 103 N Pier Street, St. Joseph, MI 49085
What school district is 103 N Pier Street, St. Joseph, MI 49085 in?
Per MLS# 26017857, this property is served by St. Joseph. In Michigan, school district boundaries are set by the state and do not always follow city limits.
What financing options are available for 103 N Pier Street, St. Joseph, MI 49085?
Per MLS# 26017857, the seller has indicated this property accepts the following financing types: Cash, VA Loan, Conventional. Financing acceptance is subject to change — confirm with the listing agent.
How much are property taxes for this home?
Per MLS# 26017857, the most recent reported annual property tax for 103 N Pier Street, St. Joseph, MI 49085 is $17,033 (2026). 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 103 N Pier Street, St. Joseph, MI 49085 eligible for USDA financing?
Per USDA Rural Development boundary data, 103 N Pier 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, 103 N Pier 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$15,534
Principal & interest$15,534
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
103 N Pier Street, St. Joseph, MI 49085
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Municipality
St Joseph
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