For Sale
2046 Gerald Street, Benton Harbor, MI 49022
$255,000
MLS # 26023802 (Michigan Regional Information Center (MichRIC))
4 beds1 bath1,472 sqftBuilt 19530.23 acres
1 / 24
Listing Description
Charming ranch home in the highly desirable Fairplain area! Ideally located near shopping, downtown St. Joseph, and Lake Michigan beaches. This inviting home features a bright and spacious main-floor layout with a comfortable living and dining area, plus a vaulted family room addition offering direct access to the fenced backyard. Enjoy summer evenings on the patio and the convenience of an outdoor storage shed. The kitchen offers warm oak cabinetry, ample counter space, and included appliances. The basement recreation room provides additional living and entertaining space, making this home both functional and welcoming!
Source: SparkMLS
About this home
Located in St Joseph Township in Benton Harbor, this property offers 4-bedroom, 1-bath, 1,472 sq ft, with original construction dating to 1953.
Currently offered at $255,000 (about $173/sq ft).
Property tax estimate: $3,698 per year ($308/month). 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 Area1,472 sqft
Lot Size0.23 acres
Year Built1953
Stories1
Location
CityBenton Harbor
MunicipalitySt. Joseph Twp
Zip Code49022
CountyBerrien
School DistrictBenton Harbor
Construction & Systems
StyleRanch
ConstructionAluminum Siding, Stone
BasementFull, Slab
Garage1 space
HeatingForced Air
WaterPublic
SewerPublic
UtilitiesNatural Gas Connected, High-Speed Internet
InteriorCeiling Fan(s), Garage Door Opener
Sale & Financing
Listed5/20/2026
Original Price$259,000
Terms AcceptedCash, FHA, Conventional
Source: SparkMLS
Tax Information
Annual Tax$3,698
Tax Year2024
Assessed Value$80,216
Parcel #11-18-2350-0034-00-4
Source: SparkMLS
Legal Description
LOT 34 FRICKE PLAT
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 Brianca Haynes
Epique Realty
Frequently Asked Questions about 2046 Gerald Street, Benton Harbor, MI 49022
What school district is 2046 Gerald Street, Benton Harbor, MI 49022 in?
Per MLS# 26023802, this property is served by Benton Harbor. In Michigan, school district boundaries are set by the state and do not always follow city limits.
What type of financing is accepted for this listing?
Per MLS# 26023802, 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# 26023802, the most recent reported annual property tax for 2046 Gerald Street, Benton Harbor, MI 49022 is $3,698 (2024). 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 2046 Gerald Street, Benton Harbor, MI 49022 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, 2046 Gerald Street, Benton Harbor, MI 49022 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. 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$1,654
Principal & interest$1,654
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
2046 Gerald Street, Benton Harbor, MI 49022
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Municipality
St Joseph Township
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