For Sale
15320 Three Oaks Road, Three Oaks, MI 49128
$699,000
MLS # 26021044 (Michigan Regional Information Center (MichRIC))
4 beds3 baths4,584 sqftBuilt 00.77 acres
1 / 40
Listing Description
I invite you to a residence that feels less like a property and more like a provate retreat. Set across mulitple thoughtfully designed spaces, this unique offering blends comfort, privacy, and upscale amenities into a lifestyle that's difficult to duplicate. The upper level of the main building features 1917 sq. ft. two-bedroom home, where sunlight pours through generous windows and each room is shaped for effectless living. A newly constructed one-bedroom apartment above the secondary building adds a refined, modern extension of the home-perfect for quests, extened family or a serene personal hideaway. Outdoors the experience becomes truly special. A screened-in-gazebo invites slow mornings and quiet evenings, while the 12x16 heated in-ground pool transforms warm days into resort-style relaxation. The 1200 sq. f.t garage and expansive parking areas provide both convenience and capacity without compromising the property's peaceful aesthetic. Set within the charm of Harbor Country this
Source: SparkMLS
About this home
Located in Chikaming Township in Three Oaks, this property offers 4-bedroom, 3-bath, 4,584 sq ft.
Currently offered at $699,000 (about $152/sq ft).
Estimated annual property tax: $3,322, or about $277 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 SEMCO Energy Gas Company.
Listing Property Details
Property TypeResidential
Property SubtypeSingle Family Residence
Bedrooms4
Bathrooms3
Living Area4,584 sqft
Lot Size0.77 acres
Year Built0
Stories2
Location
CityThree Oaks
MunicipalityChikaming Twp
Zip Code49128
CountyBerrien
School DistrictRiver Valley
Construction & Systems
StyleTraditional
ConstructionOther
BasementSlab
Garage2 spaces
HeatingForced Air
WaterPublic
SewerSeptic Tank
UtilitiesPhone Available, Natural Gas Available, Electricity Available, Phone Connected, Natural Gas Connected
InteriorCeiling Fan(s), Garage Door Opener, Guest Quarters, Sauna, Wet Bar, Eat-in Kitchen, Pantry
Sale & Financing
Listed5/7/2026
Original Price$729,000
Terms AcceptedCash, Conventional
Source: SparkMLS
Tax Information
Annual Tax$3,322
Tax Year2025
Assessed Value$85,781
Parcel #110700270007063
Source: SparkMLS
Legal Description
Per Attached Survey
Property Records
FEMA Flood Zone: Zone X — Minimal flood risk
Source: FEMA NFHLUSDA Rural Development: Eligible — 0% Down Payment Available
Verify eligibility at USDAListed by Sandy Fenderbosch
Coldwell Banker Realty
Frequently Asked Questions about 15320 Three Oaks Road, Three Oaks, MI 49128
Which school district serves 15320 Three Oaks Road, Three Oaks, MI 49128?
Per MLS# 26021044, 15320 Three Oaks Road, Three Oaks, MI 49128 is in the River Valley boundaries. School district assignments are determined by property location and may differ from the mailing city. Contact River Valley directly to confirm enrollment eligibility.
What financing options are available for 15320 Three Oaks Road, Three Oaks, MI 49128?
Per MLS# 26021044, this listing accepts Cash, Conventional financing. Financing acceptance is subject to change — confirm with the listing agent.
What are the property taxes at 15320 Three Oaks Road, Three Oaks, MI 49128?
Per public tax records, annual property taxes for this property are $3,322 (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, 15320 Three Oaks Road, Three Oaks, MI 49128 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 15320 Three Oaks Road, Three Oaks, MI 49128 in a flood zone?
Per FEMA flood maps, this property is designated as Zone X, a minimal-risk flood area. 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.
What utilities serve 15320 Three Oaks Road, Three Oaks, MI 49128?
Per Michigan Public Service Commission service territory data: Electric: Indiana Michigan Power Company. Gas: SEMCO Energy Gas Company. Sewer: Septic Tank. 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 Chikaming Twp police department or the Berrien County sheriff's office.
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Monthly payment$4,534
Principal & interest$4,534
Estimate only. Does not include PMI or other fees. Consult a lender for exact rates.
Utilities
Indiana Michigan Power Company
Investor-Owned
SEMCO Energy Gas Company
Investor-Owned
MI Public Service Commission service territory boundaries.
Property
15320 Three Oaks Road, Three Oaks, MI 49128
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Municipality
Chikaming Township
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