Sold
239 Cavelier Avenue, St. Joseph, MI 49085
Sold on 06/30/2026 for$678,718
MLS # 26006804 (Michigan Regional Information Center (MichRIC))
3 beds3 baths1,888 sqftBuilt 20230.09 acres
1 / 30
Listing Description
Welcome to Harbor Village where resort- living meets everyday comfort! Built in 2023, this custom-designed 3-bed, 2.5-bath home offers the perfect blend of modern convenience & timeless charm from the moment you step onto the inviting front porch. Vaulted ceilings and an open-concept main floor create a bright and spacious atmosphere, ideal for everyday living and entertaining. All three bedrooms are located on the second floor, along with a conveniently placed laundry room for ultimate ease and functionality. A bonus surprise awaits below-an adorable, finished crawl space offering a creative extra room for play. Located in the beautiful Harbor Village Jack Nicklaus Signature Golf Community boasting resort-like amenities including a clubhouse, pool & just minutes from the breathtaking Lake Michigan beaches, local shops & dining. This home is your ticket to both relaxation & adventure. Truly enjoy a low-maintenance lifestyle year-round & own one of the last single-family homes.
Source: SparkMLS
About this home
This 3-bedroom, 3-bath, 1,888 sq ft home built in 2023 sits in Benton Harbor in St. Joseph.
Closed at $678,718 (about $359/sq ft).
Annual property taxes run approximately $14,791 ($1,233/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
Bedrooms3
Bathrooms3
Living Area1,888 sqft
Lot Size0.09 acres
Year Built2023
Stories2
Location
CitySt. Joseph
MunicipalitySt. Joseph City
Zip Code49085
CountyBerrien
School DistrictSt. Joseph
Construction & Systems
StyleTraditional
ConstructionHardiPlank Type
BasementCrawl Space
Garage2 spaces
HeatingForced Air
WaterPublic
SewerPublic
UtilitiesPhone Available, Natural Gas Available, Electricity Available, Natural Gas Connected, Storm Sewer, High-Speed Internet
InteriorCeiling Fan(s), Broadband, Garage Door Opener, Center Island, Eat-in Kitchen
Sale & Financing
Listed2/24/2026
Sold Date6/29/2026
Original Price$729,800
Terms AcceptedCash, Conventional
HOA
HOA Fee$280 / Monthly
IncludesOther, Snow Removal, Lawn/Yard Care
Source: SparkMLS
Tax Information
Annual Tax$14,791
Tax Year2024
Assessed Value$316,000
Parcel #11-54-9425-2981-19-0
Source: SparkMLS
Legal Description
SPLIT/COMBINED ON 12/04/2017 FROM 76-0024-0076-10-0, 76-0024-0076-12-0, 76-0024-0076-13-0, 54-9425-0076-10-0, 54-9425-0076-12-0, 54-9425-0076-13-0; UNIT 19 HARBOR VILLAGE AT HARBOR SHORES SITE CONDOMINIUM LIBER 300 PAGE 1 CONDITIONAL TRANSFER OF PROPERTY PURSUANT TO ACT 425 PF 1984 BETWEEN THE CITIES OF ST. JOSEPH AND BENTON HARBOR SEE 11-76-2981-0001-00-0 THRU 76-2981-0030-00-0
Property Records
FEMA Flood Zone: Zone AE — 100-year floodplain
Flood insurance required for federally backed mortgages
Source: FEMA NFHLUSDA Rural Development: Not Eligible
Verify eligibility at USDAListed by Kelsey Jarvis
Coldwell Banker Realty
Frequently Asked Questions about 239 Cavelier Avenue, St. Joseph, MI 49085
What school district is 239 Cavelier Avenue, St. Joseph, MI 49085 in?
Per MLS# 26006804, 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 239 Cavelier Avenue, St. Joseph, MI 49085?
Per MLS# 26006804, 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# 26006804, the most recent reported annual property tax for 239 Cavelier Avenue, St. Joseph, MI 49085 is $14,791 (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 239 Cavelier Avenue, St. Joseph, MI 49085 eligible for USDA financing?
Per USDA Rural Development boundary data, 239 Cavelier Avenue, 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, 239 Cavelier Avenue, 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 City police department or the Berrien County sheriff's office.
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Mortgage Calculator
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Monthly payment$4,814
Principal & interest$4,534
HOA$280
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
239 Cavelier Avenue, St. Joseph, MI 49085
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Municipality
Benton Harbor
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