Pending
189 Banks Street, Coloma, MI 49038
$225,000
MLS # 26022060 (Michigan Regional Information Center (MichRIC))
4 beds1 bath1,509 sqftBuilt 19000.19 acres
1 / 25
Listing Description
Move-in ready and recently updated! This 4 bedroom, 1 bathroom home features numerous improvements including a new roof, updated kitchen, new flooring, refreshed bathroom, and more. Spacious layout offers flexibility for family, guests, or home office space. Conveniently located near the Paw Paw River and the Paw Paw Lake boat launch, making it easy to enjoy boating, fishing, and all that Southwest Michigan has to offer. Great opportunity for a year-round home, weekend getaway, or investment property!
Source: SparkMLS
About this home
Located in Coloma Township in Coloma, this property offers 4-bedroom, 1-bath, 1,509 sq ft, with original construction dating to 1900.
Listed at $225,000 (about $149/sq ft).
Estimated annual property tax: $3,281, or about $273 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 SubtypeSingle Family Residence
Bedrooms4
Bathrooms1
Living Area1,509 sqft
Lot Size0.19 acres
Year Built1900
Stories2
Location
CityColoma
MunicipalityColoma City
Zip Code49038
CountyBerrien
School DistrictColoma
Construction & Systems
StyleTraditional
ConstructionVinyl Siding
BasementMichigan Basement, Partial
Garage1 space
HeatingBaseboard, Forced Air
WaterPublic
SewerPublic
UtilitiesPhone Available, Natural Gas Available, Electricity Available, Cable Available, Natural Gas Connected
InteriorBroadband
Sale & Financing
Listed5/13/2026
Original Price$239,900
Terms AcceptedCash, FHA, VA Loan, Rural Development, MSHDA, Conventional
Source: SparkMLS
Tax Information
Annual Tax$3,281
Tax Year2025
Assessed Value$45,239
Parcel #11-60-0800-0047-00-5
Source: SparkMLS
Legal Description
LOT 47 BAKER'S ADD TO COLOMA
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 Chris Speer
eXp Realty LLC
Frequently Asked Questions about 189 Banks Street, Coloma, MI 49038
Which school district serves 189 Banks Street, Coloma, MI 49038?
Per MLS# 26022060, 189 Banks Street, Coloma, MI 49038 is in the Coloma boundaries. School district assignments are determined by property location and may differ from the mailing city. Contact Coloma directly to confirm enrollment eligibility.
Can I use FHA or VA financing for this property?
Per MLS# 26022060, this listing accepts Cash, FHA, VA Loan, Rural Development, MSHDA, Conventional financing. FHA financing can offer lower down payment requirements for qualified buyers. Financing acceptance is subject to change — confirm with the listing agent.
What are the property taxes at 189 Banks Street, Coloma, MI 49038?
Per public tax records, annual property taxes for this property are $3,281 (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, 189 Banks Street, Coloma, MI 49038 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 189 Banks Street, Coloma, MI 49038 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 189 Banks Street, Coloma, MI 49038?
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 Coloma City police department or the Berrien County sheriff's office.
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Monthly payment$1,459
Principal & interest$1,459
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
189 Banks Street, Coloma, MI 49038
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Municipality
Coloma Township
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