For Sale
1656 Hilltop Road, St. Joseph, MI 49085
$799,900
MLS # 26013909 (Michigan Regional Information Center (MichRIC))
0.53 acres
1 / 19
Listing Description
Positioned along the highly traveled Hilltop Road corridor in St. Joseph, this 0.53-acre commercial site offers a prime redevelopment opportunity within an established retail and service corridor. The property features approximately 100 feet of frontage on Hilltop Road and is directly adjacent to Martin's Supermarket, situated between 1st Source Bank and the new Martin's Gas Station, providing exceptional visibility and access. Located just off the Niles Road retail corridor, the site benefits from strong traffic counts, a dense daytime population, and surrounding commercial synergy. Its positioning within a high-activity neighborhood retail node makes it well suited for a variety of retail, service, or mixed-use redevelopment concepts. Existing infrastructure and utilities in place further support efficient redevelopment, offering users and investors a strategic opportunity in one of the area's most active commercial corridors.
Source: SparkMLS
About this home
Currently offered at $799,900.
Estimated annual property tax: $5,523, or about $460 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 TypeLand
Property SubtypeCommercial Land
Bathrooms0
Lot Size0.53 acres
Location
CitySt. Joseph
MunicipalitySt. Joseph Twp
Zip Code49085
CountyBerrien
School DistrictSt. Joseph
Construction & Systems
WaterPublic
SewerPublic Sewer
UtilitiesNatural Gas Available, Electricity Available, Cable Available, Natural Gas Connected, Storm Sewer, Electricity Connected
Sale & Financing
Listed4/6/2026
Terms AcceptedCash, Conventional
Source: SparkMLS
Tax Information
Annual Tax$5,523
Tax Year2025
Assessed Value$110,110
Parcel #11-18-0135-0003-06-3
Source: SparkMLS
Legal Description
On file.
Property Records
FEMA Flood Zone: Zone X — Minimal flood risk
Source: FEMA NFHLUSDA Rural Development: Not Eligible
Verify eligibility at USDAListed by Kara Schroer
NAI Wisinski of West Michigan
Frequently Asked Questions about 1656 Hilltop Road, St. Joseph, MI 49085
What school district is 1656 Hilltop Road, St. Joseph, MI 49085 in?
Per MLS# 26013909, 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 1656 Hilltop Road, St. Joseph, MI 49085?
Per MLS# 26013909, 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# 26013909, the most recent reported annual property tax for 1656 Hilltop Road, St. Joseph, MI 49085 is $5,523 (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 1656 Hilltop Road, St. Joseph, MI 49085 eligible for USDA financing?
Per USDA Rural Development boundary data, 1656 Hilltop Road, 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, 1656 Hilltop Road, 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 Sewer. 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 Twp police department or the Berrien County sheriff's office.
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Monthly payment$5,188
Principal & interest$5,188
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
1656 Hilltop Road, St. Joseph, MI 49085
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Municipality
St Joseph Township
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