For Sale
15420 Joseph Street, Vandalia, MI 49095
$899,000
MLS # 26014213 (Michigan Regional Information Center (MichRIC))
4 beds4 baths1,994 sqftBuilt 20000.27 acres
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Listing Description
Stunning year-round 4-bedroom, 3-1/2 bath lake home on highly desirable Shavehead Lake (MI) with 56 feet of private frontage and a prime location on the water. This well-cared-for property offers an updated kitchen featuring quartz countertops, a Vulcan commercial stove, and all appliances included. The primary suite includes an updated bath, and the walk-out basement provides excellent additional living space with direct lake access. Enjoy outdoor living on the new composite deck, complete with a covered area ideal for shade and entertaining. A 2.5-car attached garage, whole-house generator, and ample storage add to the home's functionality. Lakeside amenities include piers, a shore station for a pontoon, and a convenient lake-side storage shed for all your gear. A rare opportunity to own a year-round home on one of the area's most sought-after all-sports lakes.
Source: SparkMLS
About this home
Located in Vandalia, this property offers 4-bedroom, 4-bath, 1,994 sq ft, with original construction dating to 2000.
Asking $899,000 (about $451/sq ft).
Property tax estimate: $3,631 per year ($303/month). Tax figure is from the MLS listing record; verify with the county treasurer for the most current amount.
Electric service is provided by Midwest Energy Cooperative; natural gas by SEMCO Energy Gas Company.
Listing Property Details
Property TypeResidential
Property SubtypeSingle Family Residence
Bedrooms4
Bathrooms4
Living Area1,994 sqft
Lot Size0.27 acres
Year Built2000
Stories2
Location
CityVandalia
MunicipalityPorter Twp
Zip Code49095
CountyCass
School DistrictConstantine
Construction & Systems
StyleTraditional
ConstructionVinyl Siding
BasementWalk-Out Access
Garage2.5 spaces
HeatingForced Air
WaterPrivate Water, Well
SewerPublic
UtilitiesPhone Available, Natural Gas Available, Electricity Available, Cable Available
InteriorBroadband, Garage Door Opener, Center Island
Sale & Financing
Listed4/7/2026
Original Price$949,000
Terms AcceptedCash, FHA, Conventional
Source: SparkMLS
Tax Information
Annual Tax$3,631
Tax Year2025
Assessed Value$130,280
Parcel #14-120-130-008-00
Source: SparkMLS
Legal Description
. (898 7-13 356-1018) LOT 10 SUPERVISORS PLAT OF STECKS NO. 1.
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 Josh Hendricks
Creekstone Realty
Frequently Asked Questions about 15420 Joseph Street, Vandalia, MI 49095
What school district is 15420 Joseph Street, Vandalia, MI 49095 in?
Per MLS# 26014213, this property is served by Constantine. In Michigan, school district boundaries are set by the state and do not always follow city limits.
What financing options are available for 15420 Joseph Street, Vandalia, MI 49095?
Per MLS# 26014213, the seller has indicated this property accepts the following financing types: Cash, FHA, Conventional. FHA financing can offer lower down payment requirements for qualified buyers. Financing acceptance is subject to change — confirm with the listing agent.
How much are property taxes for this home?
Per MLS# 26014213, the most recent reported annual property tax for 15420 Joseph Street, Vandalia, MI 49095 is $3,631 (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.
Is 15420 Joseph Street, Vandalia, MI 49095 eligible for USDA financing?
Per USDA boundary maps, this property is located in a USDA-eligible area, which means qualified buyers may be able to finance with 0% down through the USDA Rural Development program. Confirm current eligibility directly with USDA.
What is the FEMA flood zone designation for this property?
Per FEMA's National Flood Hazard Layer, 15420 Joseph Street, Vandalia, MI 49095 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: Midwest Energy Cooperative. Gas: SEMCO Energy Gas Company. Sewer: Public. Water: Private Water, Well. Confirm service details directly with providers.
How safe is this area?
For crime and public safety data, we recommend inquiring directly with the Porter Twp police department or the Cass County sheriff's office.
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Monthly payment$5,831
Principal & interest$5,831
Estimate only. Does not include PMI or other fees. Consult a lender for exact rates.
Utilities
Midwest Energy Cooperative
Co-op
SEMCO Energy Gas Company
Investor-Owned
MI Public Service Commission service territory boundaries.
Property
15420 Joseph Street, Vandalia, MI 49095
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