Sold
2214 S State Street 209, St. Joseph, MI 49085
Sold on 05/26/2026 for$360,000
MLS # 26017010 (Michigan Regional Information Center (MichRIC))
2 beds2 baths1,210 sqftBuilt 20160 acres
1 / 39
Listing Description
A premier St Joe landmark located only four blocks from Lake Michigan. Built on the site of the former Jefferson School, this loft features high-end details & extensive onsite amenities. This inviting 2 bedroom loft has 2 full bathrooms and an open living/dining area with a lot of natural sunlight; flowing seamlessly into the kitchen. Custom maple cabinets, granite countertops, & stainless steel Whirlpool appliances in the kitchen. The spacious 450 sq ft primary bedroom has separate private closets. The en suite bathroom features a dual-sink vanity with granite & tiled glass-enclosed walk-in shower. Walking distance to the beach and trails, and just blocks from downtown St. Joseph - this is one of the most popular neighborhoods around! This historic building has been lovingly preserved with many features from when it was Jefferson Elementary School and includes a private fitness room, covered picnic area, and fenced dog park. This loft comes with one of the few 2 car garages.
Source: SparkMLS
About this home
2-bedroom, 2-bath, 1,210 sq ft home in St Joseph in St. Joseph built in 2016.
Closed at $360,000 (about $298/sq ft).
Annual property taxes run approximately $6,421 ($535/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 SubtypeCondominium
Bedrooms2
Bathrooms2
Living Area1,210 sqft
Year Built2016
Stories1
Location
CitySt. Joseph
MunicipalitySt. Joseph City
Zip Code49085
CountyBerrien
School DistrictSt. Joseph
Construction & Systems
StyleOther
ConstructionBrick
BasementOther
Garage2 spaces
HeatingForced Air
WaterPublic
SewerPublic
UtilitiesPhone Available, Natural Gas Available, Electricity Available, Cable Available, Natural Gas Connected
InteriorCeiling Fan(s), Broadband
Sale & Financing
Listed4/21/2026
Sold Date5/25/2026
Terms AcceptedCash, FHA, VA Loan, Conventional
Concessions$5,000
HOA
HOA Fee$493 / Monthly
IncludesOther, Trash, Snow Removal, Lawn/Yard Care
Source: SparkMLS
Tax Information
Annual Tax$6,421
Tax Year2024
Assessed Value$113,015
Parcel #11-76-3670-0013-00-0
Source: SparkMLS
Legal Description
PLATTED FOR 2017 ON 09/14/2016 FROM 76-3670-0100-00-9; UNIT 13 JEFFERSON SCHOOL ESTATES AKA JEFFERSON LOFTS CONDOMINIUM FIRST AMENDMENT TO RESTATED MASTER DEED LIBER 244 PAGE 134
Property Records
FEMA Flood Zone: Zone X — Minimal flood risk
Source: FEMA NFHLUSDA Rural Development: Not Eligible
Verify eligibility at USDAListed by Dan Morissette
Keller Williams Realty Swm
Frequently Asked Questions about 2214 S State Street 209, St. Joseph, MI 49085
What school district is 2214 S State Street 209, St. Joseph, MI 49085 in?
Per MLS# 26017010, this property is served by St. Joseph. In Michigan, school district boundaries are set by the state and do not always follow city limits.
Can I use FHA or VA financing for this property?
Per MLS# 26017010, the seller has indicated this property accepts the following financing types: Cash, FHA, VA Loan, 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# 26017010, the most recent reported annual property tax for 2214 S State Street 209, St. Joseph, MI 49085 is $6,421 (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 2214 S State Street 209, St. Joseph, MI 49085 eligible for USDA financing?
Per USDA Rural Development boundary data, 2214 S State Street 209, 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, 2214 S State Street 209, 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. 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 City police department or the Berrien County sheriff's office.
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Mortgage Calculator
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Monthly payment$2,892
Principal & interest$2,399
HOA$493
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
2214 S State Street 209, St. Joseph, MI 49085
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Municipality
St Joseph
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