Sold
2320 Niles Avenue, St. Joseph, MI 49085
Sold on 06/25/2026 for$650,000
MLS # 26018694 (Michigan Regional Information Center (MichRIC))
5 beds4 baths4,149 sqftBuilt 19870.66 acres
1 / 72
Listing Description
STUNNING treetop oasis retreat offering over 4,000 sq ft of refined living space, highlighted by a dramatic two-story wall of windows with breathtaking ravine views and an expansive deck for seamless indoor-outdoor living. The main level features a fireplace-centered living room, den/library with wet bar and custom built-ins, and an updated kitchen with new cabinetry (2021), double ovens, and newer appliances, plus a sunroom, breakfast nook, and mudroom. New windows (2019) enhance light and efficiency. Upstairs, vaulted ceilings and new skylights (2024) fill four bedrooms with natural light, complemented by a loft, two full baths with laundry, and a private primary suite with fireplace, walk-in closet, and its own deck. The walkout lower level offers a spacious recreation room, bedroom or office, full bath, and covered outdoor living area. Major updates include roof and skylights (2024), furnace (2025), and A/C (2024). A screened gazebo and hot tub (2022) complete the serene, wooded
Source: SparkMLS
About this home
This 5-bedroom, 4-bath, 4,149 sq ft home built in 1987 sits in St Joseph in St. Joseph.
Closed at $650,000 (about $157/sq ft).
Property tax estimate: $10,039 per year ($837/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
Bedrooms5
Bathrooms4
Living Area4,149 sqft
Lot Size0.66 acres
Year Built1987
Stories3
Location
CitySt. Joseph
MunicipalitySt. Joseph City
Zip Code49085
CountyBerrien
School DistrictSt. Joseph
Construction & Systems
StyleContemporary
ConstructionWood Siding
BasementFull, Walk-Out Access
Garage2 spaces
HeatingForced Air
WaterPublic
SewerPublic
UtilitiesPhone Available, Natural Gas Available, Electricity Available, Cable Available, Phone Connected, Natural Gas Connected, Cable Connected, Storm Sewer, High-Speed Internet
InteriorCeiling Fan(s), Broadband, Garage Door Opener, Hot Tub Spa, Wet Bar, Eat-in Kitchen, Pantry
Sale & Financing
Listed4/28/2026
Sold Date6/24/2026
Terms AcceptedCash, FHA, VA Loan, Conventional
Source: SparkMLS
Tax Information
Annual Tax$10,039
Tax Year2026
Assessed Value$255,185
Parcel #11-76-0026-0098-00-2
Source: SparkMLS
Legal Description
PT OF S1/2 OF UNIV LOT 69 & PT N1/2 UNIV LOT 76 SEC 26 T4S R19 W COM 353.9'E OF SW COR UNIV LOT 69 TH E 94.78' TH S47DEG59'E 26.55' TH E 236.43'TO WLY R/W NILES AVE TH N9DEG21'W 60' TH N82DEG 45'W 119.4' TH N65DEG24'W 176.66' TH W 60' TH S 129.45 FT TO POB
Property Records
FEMA Flood Zone: Zone A — 100-year floodplain (no base flood elevation)
Flood insurance required for federally backed mortgages
Source: FEMA NFHLUSDA Rural Development: Eligible — 0% Down Payment Available
Verify eligibility at USDAListed by Christine Norland
Jaqua Realtors
Frequently Asked Questions about 2320 Niles Avenue, St. Joseph, MI 49085
What school district is 2320 Niles Avenue, St. Joseph, MI 49085 in?
Per MLS# 26018694, this property is served by St. Joseph. In Michigan, school district boundaries are set by the state and do not always follow city limits.
What financing options are available for 2320 Niles Avenue, St. Joseph, MI 49085?
Per MLS# 26018694, 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# 26018694, the most recent reported annual property tax for 2320 Niles Avenue, St. Joseph, MI 49085 is $10,039 (2026). 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 2320 Niles Avenue, 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, 2320 Niles Avenue, St. Joseph, MI 49085 is in flood zone A (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 City police department or the Berrien County sheriff's office.
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Monthly payment$4,378
Principal & interest$4,378
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
2320 Niles Avenue, St. Joseph, MI 49085
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Municipality
St Joseph
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