Sold
240 Water Street 1A, St. Joseph, MI 49085
Sold on 06/03/2026 for$595,000
MLS # 26003855 (Michigan Regional Information Center (MichRIC))
2 beds3 baths2,100 sqftBuilt 19880 acres
1 / 62
Listing Description
Welcome to 240 Water Street - One of St. Joseph's Most Coveted Waterfront Addresses! If you've been searching for a luxury gated waterfront fully furnished condo just steps from Lake Michigan's world-class beaches, vibrant downtown shopping and dining, & the iconic Silver Beach you've found it. This beautifully updated 2-bedroom, 2.5-bathroom waterfront condo offers breathtaking views of the marina, St. Joseph River, and yacht club through stunning floor-to-ceiling windows outfitted with new motorized blinds. The open-concept living space is ideal for entertaining, with new tile throughout and a seamless flow from the modern kitchen to the spacious living and dining areas. Enjoy resort-style amenities including a Riverfront Pool, clubhouse, and your own 1-car garage with ample guest parking. Recent upgrades include a full interior repaint, new spa tub motor and controls, a larger high-efficiency remote controlled HVAC system, new water heater, and a smart garage door opener.
Source: SparkMLS
About this home
This 2-bedroom, 3-bath, 2,100 sq ft home built in 1988 sits in St Joseph in St. Joseph.
Closed at $595,000 (about $283/sq ft).
Property tax estimate: $13,158 per year ($1,097/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. Broadband is available with download speeds up to 1,200 Mbps from 7 providers.
Tour
Listing Property Details
Property TypeResidential
Property SubtypeCondominium
Bedrooms2
Bathrooms3
Living Area2,100 sqft
Year Built1988
Stories2
Location
CitySt. Joseph
MunicipalitySt. Joseph City
Zip Code49085
CountyBerrien
School DistrictSt. Joseph
Construction & Systems
StyleTraditional
ConstructionStucco
BasementOther
Garage1 space
HeatingForced Air
WaterPublic
SewerPublic
UtilitiesElectricity Available, Cable Available, Natural Gas Connected, Cable Connected, High-Speed Internet
InteriorCeiling Fan(s), Eat-in Kitchen, Pantry
Sale & Financing
Listed2/2/2026
Sold Date6/2/2026
Original Price$699,000
Terms AcceptedCash, Conventional
HOA
HOA Fee$795 / Monthly
IncludesTrash, Snow Removal, Lawn/Yard Care
Source: SparkMLS
Tax Information
Annual Tax$13,158
Tax Year2025
Assessed Value$384,500
Parcel #11-76-8500-0003-00-3
Source: SparkMLS
Legal Description
UNIT 3 THE WATERFRONT BLDG NO 1 LIBER 36 PAGE 1
Property Records
FEMA Flood Zone: Zone X — Minimal flood risk
Source: FEMA NFHLUSDA Rural Development: Not Eligible
Verify eligibility at USDAListed by Madyson Green
Green Towne Coastal Realty
Frequently Asked Questions about 240 Water Street 1A, St. Joseph, MI 49085
Which school district serves 240 Water Street 1A, St. Joseph, MI 49085?
Per MLS# 26003855, 240 Water Street 1A, St. Joseph, MI 49085 is in the St. Joseph boundaries. School district assignments are determined by property location and may differ from the mailing city. Contact St. Joseph directly to confirm enrollment eligibility.
Can I use FHA or VA financing for this property?
Per MLS# 26003855, this listing accepts Cash, Conventional financing. Financing acceptance is subject to change — confirm with the listing agent.
What are the property taxes at 240 Water Street 1A, St. Joseph, MI 49085?
Per public tax records, annual property taxes for this property are $13,158 (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, 240 Water Street 1A, 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.
Is 240 Water Street 1A, St. Joseph, MI 49085 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 internet service is available at this address?
Per FCC Broadband Data Collection filings, fiber internet is not currently available at 240 Water Street 1A, St. Joseph, MI 49085. The maximum advertised download speed is 1.2 Gbps. 7 internet providers serve this address. Confirm availability and speeds directly with providers.
What utilities serve 240 Water Street 1A, St. Joseph, MI 49085?
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 St. Joseph City police department or the Berrien County sheriff's office.
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Mortgage Calculator
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Monthly payment$5,004
Principal & interest$4,209
HOA$795
Estimate only. Does not include PMI or other fees. Consult a lender for exact rates.
Internet
Download
1.2 Gbps
Upload
35 Mbps
CableGSO SatelliteLicensed Fixed WirelessSatelliteDSL
7 providers at this address
FCC Broadband Data Collection (Dec 2025). Max advertised speeds.
Utilities
Indiana Michigan Power Company
Investor-Owned
Michigan Gas Utilities Corporation
Investor-Owned
MI Public Service Commission service territory boundaries.
Property
240 Water Street 1A, St. Joseph, MI 49085
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Municipality
St Joseph
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