For Sale
216 Congress Street, Watervliet, MI 49098
$194,900
MLS # 26038435 (Michigan Regional Information Center (MichRIC))
2 beds1 bath864 sqftBuilt 19400.3 acres
1 / 33
Listing Description
Discover this charming two-bedroom, one-bathroom single-family residence in Watervliet, Michigan, offering 864 square feet of comfortable living space, a large basement for storage, plus a HUGE 20' x 22' two-car garage with a covered sitting porch off the back! Situated on one of the rare remaining double lots in the area, this property offers generous outdoor space with plenty of room for gardening, entertaining, future expansion, or other outdoor pursuits. The property is accessible from both the front and the back for added convenience. Originally built with character, the home was completely remodeled in 2021-2022, including a new furnace, central air conditioner, water heater, windows, plumbing, and an updated electrical system with a new electrical panel and meter. Additional improvements include a new water softener, garage door, kitchen cabinets, kitchen appliances, fresh interior paint, and new siding on the garage.
Source: SparkMLS
About this home
2-bedroom, 1-bath, 864 sq ft home in Watervliet Township in Watervliet built in 1940.
Currently offered at $194,900 (about $226/sq ft).
Estimated annual property tax: $2,029, or about $169 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
Bedrooms2
Bathrooms1
Living Area864 sqft
Lot Size0.3 acres
Year Built1940
Stories1
Location
CityWatervliet
MunicipalityWatervliet City
Zip Code49098
CountyBerrien
School DistrictWatervliet
Construction & Systems
ConstructionVinyl Siding
BasementCrawl Space, Partial
Garage2 spaces
HeatingForced Air
WaterPublic
SewerPublic
UtilitiesNatural Gas Available, Electricity Available
Sale & Financing
Listed7/24/2026
Terms AcceptedCash, FHA, VA Loan, Rural Development, MSHDA, Conventional
Source: SparkMLS
Tax Information
Annual Tax$2,029
Tax Year2025
Assessed Value$45,791
Parcel #11-78-3500-0040-00-8
Source: SparkMLS
Legal Description
LOTS 4 & 5 BLK D IMPROVEMENT CO'S ADD TO CITY OF WATERVLIET
Property Records
FEMA Flood Zone: Zone X — Minimal flood risk
Source: FEMA NFHLUSDA Rural Development: Eligible — 0% Down Payment Available
Verify eligibility at USDAPrice & Status History
Jul 25, 2026
Listed for sale
$194,900
More Homes in Watervliet Township
Listed by Aris Kubash
The Shore Real Estate Group
Frequently Asked Questions about 216 Congress Street, Watervliet, MI 49098
Which school district serves 216 Congress Street, Watervliet, MI 49098?
Per MLS# 26038435, 216 Congress Street, Watervliet, MI 49098 is in the Watervliet boundaries. School district assignments are determined by property location and may differ from the mailing city. Contact Watervliet directly to confirm enrollment eligibility.
Can I use FHA or VA financing for this property?
Per MLS# 26038435, 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 216 Congress Street, Watervliet, MI 49098?
Per public tax records, annual property taxes for this property are $2,029 (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, 216 Congress Street, Watervliet, MI 49098 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 216 Congress Street, Watervliet, MI 49098 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 216 Congress Street, Watervliet, MI 49098?
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 Watervliet City police department or the Berrien County sheriff's office.
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Monthly payment$1,264
Principal & interest$1,264
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
216 Congress Street, Watervliet, MI 49098
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Municipality
Watervliet Township
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