For Sale
1120 Michigan Avenue, St. Joseph, MI 49085
$275,000
MLS # 26024807 (Michigan Regional Information Center (MichRIC))
3 beds2 baths1,298 sqftBuilt 19000.1 acres
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Listing Description
Located in the waterfront town on the shore of Lake Michigan, this 3 Bed, 2 bath St Joe home is just blocks from downtown, offering access to local shops, restaurants and several beautiful parks all within a short walking distance. Enjoy easy access to Lake Michigan beaches such as Silver Beach and Lions Park Beach, scenic overlooks, and Kiwanis Park. The home features a covered front porch, an enclosed rear porch, an open living area, convenient main-level laundry, and a full basement offering abundant storage space. A complete renovation was completed in 2019 including updated stainless steel appliances in the kitchen with the dishwasher updated in 2025.
Source: SparkMLS
About this home
Located in St Joseph in St. Joseph, this property offers 3-bedroom, 2-bath, 1,298 sq ft, with original construction dating to 1900.
Currently offered at $275,000 (about $212/sq ft).
Property tax estimate: $5,030 per year ($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
Bedrooms3
Bathrooms2
Living Area1,298 sqft
Lot Size0.1 acres
Year Built1900
Stories2
Location
CitySt. Joseph
MunicipalitySt. Joseph City
Zip Code49085
CountyBerrien
School DistrictSt. Joseph
Construction & Systems
StyleTraditional
ConstructionStone, Vinyl Siding, Wood Siding
BasementFull
HeatingForced Air
WaterPublic
SewerPublic
UtilitiesNatural Gas Available, Electricity Available, Natural Gas Connected
Sale & Financing
Listed7/26/2026
Terms AcceptedCash, Conventional
Source: SparkMLS
Tax Information
Annual Tax$5,030
Tax Year2025
Assessed Value$90,923
Parcel #11-76-7050-0010-00-9
Source: SparkMLS
Legal Description
THE W 34'OF LOT 10 SCHULZS ADD TO CITY OF ST JOSEPH
Property Records
USDA Rural Development: Not Eligible
Verify eligibility at USDAPrice & Status History
Jul 27, 2026
Back on market
May 26, 2026
Listed for sale
$275,000
More Homes in St Joseph
Listed by Tom Clancy
Berkshire Hathaway HomeServices MI
Frequently Asked Questions about 1120 Michigan Avenue, St. Joseph, MI 49085
Which school district serves 1120 Michigan Avenue, St. Joseph, MI 49085?
Per MLS# 26024807, 1120 Michigan Avenue, 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.
What type of financing is accepted for this listing?
Per MLS# 26024807, this listing accepts Cash, Conventional financing. Financing acceptance is subject to change — confirm with the listing agent.
What are the property taxes at 1120 Michigan Avenue, St. Joseph, MI 49085?
Per public tax records, annual property taxes for this property are $5,030 (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.
Can I use a USDA Rural Development loan for this property?
Per USDA Rural Development boundary data, 1120 Michigan Avenue, 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 utilities serve 1120 Michigan Avenue, 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$1,784
Principal & interest$1,784
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
1120 Michigan Avenue, St. Joseph, MI 49085
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Municipality
St Joseph
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