Sold
1414 Margaret Place, St. Joseph, MI 49085
Sold on 07/13/2026 for$268,000
MLS # 26027573 (Michigan Regional Information Center (MichRIC))
2 beds1 bath800 sqftBuilt 19250.22 acres
1 / 27
Listing Description
This is the kind of place that makes it easy to live more life. A charming 2-bedroom cottage right in the City of St. Joseph, just minutes from Silver Beach, Kiwanis Park, and a vibrant downtown filled with boutiques and restaurants. Grab a kayak from Third Coast Paddling, catch a sunset from Lake Bluff Park, or walk to dinner at Plank's Tavern on the Water. The big stuff is already done: newer roof, windows, AC, and furnace, plus fresh paint throughout. Turnkey and ready to go. Driveway and street parking make entertaining easy. Situated along the Lake Michigan Shore Wine Trail and just two hours from Chicago, St. Joseph is the kind of place that is hard to leave. Whether as a year-round residence or a Southwest Michigan getaway, this cottage is move-in ready and waiting for its next chapter, this cottage is move-in ready and waiting for its next chapter.
Source: SparkMLS
About this home
2-bedroom, 1-bath, 800 sq ft home in St Joseph in St. Joseph built in 1925.
Closed at $268,000 (about $335/sq ft).
Property tax estimate: $3,591 per year ($299/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
Bedrooms2
Bathrooms1
Living Area800 sqft
Lot Size0.22 acres
Year Built1925
Stories1
Location
CitySt. Joseph
MunicipalitySt. Joseph City
Zip Code49085
CountyBerrien
School DistrictSt. Joseph
Construction & Systems
StyleRanch
ConstructionAluminum Siding
BasementFull
HeatingForced Air
WaterPublic
SewerPublic
UtilitiesNatural Gas Connected, Cable Connected
InteriorCeiling Fan(s)
Sale & Financing
Listed6/5/2026
Sold Date7/12/2026
Terms AcceptedCash, Conventional
Concessions$1,325
Source: SparkMLS
Tax Information
Annual Tax$3,591
Tax Year2026
Assessed Value$64,907
Parcel #11-76-4510-0013-00-4
Source: SparkMLS
Legal Description
LOTS 13 & 15 J H LANGLEY'S SECOND ADD TO CITY OF ST JOSEPH
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
Sale recorded
$268,000
Jun 6, 2026
Listed for sale
$269,900
More Homes in St Joseph
Listed by Cathy Ficks-Blasy
Epique Realty
Frequently Asked Questions about 1414 Margaret Place, St. Joseph, MI 49085
What school district is 1414 Margaret Place, St. Joseph, MI 49085 in?
Per MLS# 26027573, 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 1414 Margaret Place, St. Joseph, MI 49085?
Per MLS# 26027573, 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# 26027573, the most recent reported annual property tax for 1414 Margaret Place, St. Joseph, MI 49085 is $3,591 (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 1414 Margaret Place, St. Joseph, MI 49085 eligible for USDA financing?
Per USDA Rural Development boundary data, 1414 Margaret Place, 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, 1414 Margaret Place, 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$1,751
Principal & interest$1,751
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
1414 Margaret Place, St. Joseph, MI 49085
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Municipality
St Joseph
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