For Sale
152 Mariners Cove, St. Joseph, MI 49085
$1,049,000
MLS # 26015207 (Michigan Regional Information Center (MichRIC))
3 beds3 baths2,116 sqftBuilt 20230 acres
1 / 53
Listing Description
Enjoy carefree waterfront living in this stunning Harbor Village townhome, perfectly positioned where the St. Joseph River meets Lake Michigan. This 3 bedroom, 2.5-bath retreat offers breathtaking water views from every level, including an expansive private rooftop terrace ideal for entertaining or watching sunsets over the lake. Step outside to a marina promenade with boat slips, walking and biking trails, and a vibrant community right at your doorstep. Inside, wide-plank hard surface floors, an open-concept main level, fireplace, and designer finishes create a polished, move-in-ready retreat. A private 2-car garage and full-size laundry room add everyday convenience. Minutes from beaches, golf, dining, breweries, and downtown St. Joseph. Whether a primary residence, vacation escape, or investment opportunity, this is Lake Michigan lifestyle living at its finest. This property is eligible for short term rental!
Source: SparkMLS
About this home
3-bedroom, 3-bath, 2,116 sq ft home in Benton Harbor in St. Joseph built in 2023.
Currently offered at $1,049,000 (about $496/sq ft).
Estimated annual property tax: $15,850, or about $1,321 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 SubtypeCondominium
Bedrooms3
Bathrooms3
Living Area2,116 sqft
Year Built2023
Stories3
Location
CitySt. Joseph
MunicipalitySt. Joseph City
Zip Code49085
CountyBerrien
School DistrictSt. Joseph
Construction & Systems
ConstructionHardiPlank Type
BasementCrawl Space
Garage2 spaces
HeatingForced Air
WaterPublic
SewerPublic
InteriorGarage Door Opener, Center Island
Sale & Financing
Listed4/13/2026
Terms AcceptedCash, Conventional
HOA
HOA Fee$370 / Monthly
IncludesOther, Snow Removal, Lawn/Yard Care
Source: SparkMLS
Tax Information
Annual Tax$15,850
Tax Year2025
Assessed Value$333,100
Parcel #11-76-2983-0030-00-0
Source: SparkMLS
Legal Description
UNIT 30 HARBOR VILLAGE AT HARBOR SHORES TOWNHOMES
Property Records
FEMA Flood Zone: Zone AE — 100-year floodplain
Flood insurance required for federally backed mortgages
Source: FEMA NFHLUSDA Rural Development: Eligible — 0% Down Payment Available
Verify eligibility at USDAListed by Kerry M Wright
Wright Properties
Frequently Asked Questions about 152 Mariners Cove, St. Joseph, MI 49085
Which school district serves 152 Mariners Cove, St. Joseph, MI 49085?
Per MLS# 26015207, 152 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 financing options are available for 152 Mariners Cove, St. Joseph, MI 49085?
Per MLS# 26015207, this listing accepts Cash, Conventional financing. Financing acceptance is subject to change — confirm with the listing agent.
What are the property taxes at 152 Mariners Cove, St. Joseph, MI 49085?
Per public tax records, annual property taxes for this property are $15,850 (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, 152 Mariners Cove, St. Joseph, MI 49085 is in an eligible area. USDA RD loans offer 0% down payment for qualified buyers. Verify current eligibility at the USDA eligibility site, as boundaries are updated periodically.
Is 152 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 utilities serve 152 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$7,174
Principal & interest$6,804
HOA$370
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
152 Mariners Cove, St. Joseph, MI 49085
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Municipality
Benton Harbor
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