Under Contract
2309 Riverside Pointe Drive, St. Joseph, MI 49085
$699,900
MLS # 26021579 (Michigan Regional Information Center (MichRIC))
3 beds3 baths2,207 sqftBuilt 19980.14 acres
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Listing Description
Wake up every day to breathtaking views of the St. Joseph River in this stunning 2-story waterfront retreat! This 3-bedroom, 2-1/2 bath home was designed to maximize natural light and showcase the river from nearly every room. The open floor plan features soaring ceilings, rich hardwood flooring, a cozy gas fireplace, and an impressive kitchen complete with granite countertops and a massive center island perfect for entertaining. Step outside to enjoy multiple levels of outdoor living with expansive decks overlooking the water -- including a lower deck ideal for fishing right from your own backyard. The primary suite is truly a private oasis, featuring its own balcony, wet bar, private deck access, and a luxurious en suite bath with dual sinks and a relaxing Jacuzzi tub. This home is the perfect blend of comfort, style, and waterfront living.
Source: SparkMLS
About this home
This 3-bedroom, 3-bath, 2,207 sq ft home built in 1998 sits in St Joseph Township in St. Joseph.
Currently offered at $699,900 (about $317/sq ft).
Estimated annual property tax: $7,554, or about $630 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
Bedrooms3
Bathrooms3
Living Area2,207 sqft
Lot Size0.14 acres
Year Built1998
Stories2
Location
CitySt. Joseph
MunicipalitySt. Joseph Twp
Zip Code49085
CountyBerrien
School DistrictSt. Joseph
Construction & Systems
StyleContemporary
ConstructionWood Siding
BasementCrawl Space
Garage2 spaces
HeatingForced Air
WaterPublic
SewerPublic
UtilitiesNatural Gas Connected, Cable Connected
InteriorCenter Island, Eat-in Kitchen
Sale & Financing
Listed5/11/2026
Terms AcceptedCash, Conventional
HOA
HOA Fee$225 / Quarterly
IncludesTrash, Snow Removal, Lawn/Yard Care
Source: SparkMLS
Tax Information
Annual Tax$7,554
Tax Year2024
Assessed Value$244,839
Parcel #11-18-6890-0021-00-2
Source: SparkMLS
Legal Description
UNIT 21 RIVERSIDE POINTE CONDOMINIUM BLDG SITE UNIT LIBER 90 PAGE 1
Property Records
FEMA Flood Zone: Zone AE — 100-year floodplain
Flood insurance required for federally backed mortgages
Source: FEMA NFHLUSDA Rural Development: Eligible — 0% Down Payment Available
Verify eligibility at USDAListed by Dawn Brown
Century 21 Affiliated
Frequently Asked Questions about 2309 Riverside Pointe Drive, St. Joseph, MI 49085
What school district is 2309 Riverside Pointe Drive, St. Joseph, MI 49085 in?
Per MLS# 26021579, 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# 26021579, the seller has indicated this property accepts the following financing types: Cash, Conventional. Financing acceptance is subject to change — confirm with the listing agent.
How much are property taxes for this home?
Per MLS# 26021579, the most recent reported annual property tax for 2309 Riverside Pointe Drive, St. Joseph, MI 49085 is $7,554 (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 2309 Riverside Pointe Drive, St. Joseph, MI 49085 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, 2309 Riverside Pointe Drive, St. Joseph, MI 49085 is in flood zone AE (high risk). Flood insurance is required for federally-backed mortgages in this zone. 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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Mortgage Calculator
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Monthly payment$4,615
Principal & interest$4,540
HOA$75
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
2309 Riverside Pointe Drive, St. Joseph, MI 49085
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Municipality
St Joseph Township
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