For Sale
144 Mariners Cove, St. Joseph, MI 49085
$999,000
MLS # 25052805 (Michigan Regional Information Center (MichRIC))
3 beds3 baths2,116 sqftBuilt 20230 acres
1 / 49
Listing Description
Experience carefree, turnkey living in this beautifully maintained Harbor Village townhome with sweeping views of the marina and the St. Joseph River. This 3-bedroom, 2.5-bath home features a bright, open floor plan perfect for both everyday living and entertaining. Enjoy morning coffee or sunset cocktails on the private rooftop deck overlooking the water. The spacious primary suite includes a walk-in closet and en-suite bath. Located just moments from scenic walking trails, golf courses, beaches, restaurants, breweries, and downtown St. Joseph. Whether you're looking for a full-time residence or a weekend getaway, this home offers the perfect combination of comfort, style, and convenience in a vibrant waterfront community.
Source: SparkMLS
About this home
This 3-bedroom, 3-bath, 2,116 sq ft home built in 2023 sits in Benton Harbor in St. Joseph.
Listed at $999,000 (about $472/sq ft).
Estimated annual property tax: $13,767, or about $1,147 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. Fiber internet is available at this address with download speeds up to 5,000 Mbps across 8 providers.
Listing Property Details
Property TypeResidential
Property SubtypeCondominium
Bedrooms3
Bathrooms3
Living Area2,116 sqft
Year Built2023
Stories3
Location
CitySt. Joseph
MunicipalitySt. Joseph City
Zip Code49085
CountyBerrien
School DistrictSt. Joseph
Construction & Systems
StyleOther
ConstructionHardiPlank Type
BasementCrawl Space
Garage2 spaces
HeatingForced Air
WaterPublic
SewerPublic
InteriorCenter Island
Sale & Financing
Listed10/13/2025
Original Price$1,100,000
Terms AcceptedCash, Conventional
HOA
HOA Fee$350 / Monthly
IncludesSnow Removal, Lawn/Yard Care
Source: SparkMLS
Tax Information
Annual Tax$13,767
Tax Year2023
Assessed Value$47,300
Parcel #11-76-2983-0031-00-0
Source: SparkMLS
Legal Description
CONDO AMENDED ON 10/8/2021 FROM 54-9425-2983-98-0, 76-2983-0098-00-0; UNIT 31 HARBOR VILLAGE AT HARBOR SHORES TOWNHOMES CONDOMINIUM LIBER 0301 PAGE 0250 CONDITIONAL TRANSFER OF PROPERTY PURSUANT TO ACT 425 PF 1984 BETWEEN THE CITIES OF ST. JOSEPH AND BENTON HARBOR SEE 11-54-9425-2983-01-0 THRU 54-9425-2983-34-0
Property Records
FEMA Flood Zone: Zone AE — 100-year floodplain
Flood insurance required for federally backed mortgages
Source: FEMA NFHLUSDA Rural Development: Not Eligible
Verify eligibility at USDAListed by Jackson G Matson
@properties Christie's International R.E.
Frequently Asked Questions about 144 Mariners Cove, St. Joseph, MI 49085
Which school district serves 144 Mariners Cove, St. Joseph, MI 49085?
Per MLS# 25052805, 144 Mariners Cove, 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# 25052805, this listing accepts Cash, Conventional financing. Financing acceptance is subject to change — confirm with the listing agent.
What are the property taxes at 144 Mariners Cove, St. Joseph, MI 49085?
Per public tax records, annual property taxes for this property are $13,767 (2023). 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, 144 Mariners Cove, 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 144 Mariners Cove, St. Joseph, MI 49085 in a flood zone?
Per FEMA flood maps, this property is designated as Zone AE, a high-risk flood area. Flood insurance is required for federally-backed mortgages in this zone. FEMA flood maps are updated periodically — verify the current designation at msc.fema.gov.
What internet service is available at this address?
Per FCC Broadband Data Collection filings, fiber internet is available at 144 Mariners Cove, St. Joseph, MI 49085. The maximum advertised download speed is 5.0 Gbps. 8 internet providers serve this address. Confirm availability and speeds directly with providers.
What utilities serve 144 Mariners Cove, 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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Mortgage Calculator
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Monthly payment$6,829
Principal & interest$6,479
HOA$350
Estimate only. Does not include PMI or other fees. Consult a lender for exact rates.
Internet
FiberDownload
5 Gbps
Upload
5 Gbps
FiberCableGSO SatelliteLicensed Fixed WirelessSatelliteDSL
8 providers at this address
FCC Broadband Data Collection (Dec 2025). Max advertised speeds.
Utilities
Indiana Michigan Power Company
Investor-Owned
Michigan Gas Utilities Corporation
Investor-Owned
MI Public Service Commission service territory boundaries.
Property
144 Mariners Cove, St. Joseph, MI 49085
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Municipality
Benton Harbor
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