Under Contract
1905 Champlain Drive, Niles, MI 49120
$465,000
MLS # 26030324 (Michigan Regional Information Center (MichRIC))
4 beds4 baths3,889 sqftBuilt 19610.91 acres
1 / 34
Listing Description
Enjoy stunning St. Joe River views from every level of this spacious contemporary home. Featuring vaulted ceilings, hardwood floors, abundant natural light, two fireplaces, and a large walkout lower level with a huge rec room and lots of storage. The attached mother-in-law suite offers private living quarters with its own entrance, kitchen, living room, and bedroom, perfect for guests or multi-generational living. Outdoor you will love the 30x30 deck overlooking the river, 6-person hot tub, steps to river access with room for a private dock. Some of the updates include geothermal heating, reverse osmosis system, roof (2015), well pump (2026), and septic system. Tons of storage both inside and out with a 2-car garage, 24x11 shed with loft & electric, and 12x20 exterior storage room. A rare waterfront property offering space, privacy, and incredible views. This home truly has it all!!
Source: SparkMLS
About this home
Located in Bertrand Township in Niles, this property offers 4-bedroom, 4-bath, 3,889 sq ft, with original construction dating to 1961.
Listed at $465,000 (about $120/sq ft).
Estimated annual property tax: $4,371, or about $364 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
Bathrooms4
Living Area3,889 sqft
Lot Size0.91 acres
Year Built1961
Stories1
Location
CityNiles
MunicipalityBertrand Twp
Zip Code49120
CountyBerrien
School DistrictNiles
Construction & Systems
StyleRanch
ConstructionWood Siding
BasementDaylight, Full, Walk-Out Access
Garage2 spaces
HeatingForced Air
WaterWell
SewerSeptic Tank
UtilitiesElectricity Available, Cable Available, Cable Connected
InteriorCeiling Fan(s), Broadband, Garage Door Opener, Hot Tub Spa, Center Island, Eat-in Kitchen
Sale & Financing
Listed6/17/2026
Terms AcceptedCash, Conventional
Source: SparkMLS
Tax Information
Annual Tax$4,371
Tax Year2025
Assessed Value$189,938
Parcel #11-05-8520-0009-00-6
Source: SparkMLS
Legal Description
LOT 9 WEST RIVER TERRACE.
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 Jennifer Inman
Red Shoe Realty
Frequently Asked Questions about 1905 Champlain Drive, Niles, MI 49120
Which school district serves 1905 Champlain Drive, Niles, MI 49120?
Per MLS# 26030324, 1905 Champlain Drive, Niles, MI 49120 is in the Niles boundaries. School district assignments are determined by property location and may differ from the mailing city. Contact Niles directly to confirm enrollment eligibility.
Can I use FHA or VA financing for this property?
Per MLS# 26030324, this listing accepts Cash, Conventional financing. Financing acceptance is subject to change — confirm with the listing agent.
What are the property taxes at 1905 Champlain Drive, Niles, MI 49120?
Per public tax records, annual property taxes for this property are $4,371 (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, 1905 Champlain Drive, Niles, MI 49120 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 1905 Champlain Drive, Niles, MI 49120 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 1905 Champlain Drive, Niles, MI 49120?
Per Michigan Public Service Commission service territory data: Electric: Indiana Michigan Power Company. Gas: SEMCO Energy Gas Company. Sewer: Septic Tank. Water: Well. 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 Bertrand Twp police department or the Berrien County sheriff's office.
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Monthly payment$3,016
Principal & interest$3,016
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
1905 Champlain Drive, Niles, MI 49120
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Municipality
Bertrand Township
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