Sold
242 Cavelier Avenue, St. Joseph, MI 49085
Sold on 07/02/2026 for$615,000
MLS # 26000781 (Michigan Regional Information Center (MichRIC))
3 beds3 baths1,655 sqftBuilt 20200.06 acres
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Listing Description
Experience refined coastal living in this beautifully crafted Harbor Village cottage, offering captivating marina views from the front porch. Thoughtfully designed with timeless finishes. This residence blends craftsmanship with personalization. The home features three elegant bedrooms, two and a half baths, upstairs laundry, a gracious porch for sunset views, and a two-car garage, and generous side-yard perfect for grilling out, firepit or yard-games. Residents enjoy exclusive access to the community clubhouse and resort-style pool. Embrace an active yet relaxed lifestyle with walkable access to the marina, waterfront dining, Jack Nicklaus Signature Golf Course, scenic trails, Paw Paw River kayaking, pristine beaches, acclaimed dining/shopping of downtown St. Joseph ,microbreweries, and much more. The village at Harbor Shores is also a golf cart friendly neighborhood for a fun short ride to world class beaches.
Source: SparkMLS
About this home
3-bedroom, 3-bath, 1,655 sq ft home in Benton Harbor in St. Joseph built in 2020.
Final sale price: $615,000 (about $372/sq ft).
Property tax estimate: $10,581 per year ($882/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. Fiber internet is available at this address with download speeds up to 5,000 Mbps across 8 providers.
Tour
Listing Property Details
Property TypeResidential
Property SubtypeSingle Family Residence
Bedrooms3
Bathrooms3
Living Area1,655 sqft
Lot Size0.06 acres
Year Built2020
Stories2
Location
CitySt. Joseph
MunicipalitySt. Joseph City
Zip Code49085
CountyBerrien
School DistrictSt. Joseph
Construction & Systems
ConstructionHardiPlank Type
BasementCrawl Space
Garage2 spaces
HeatingForced Air
WaterPublic
SewerPublic
UtilitiesNatural Gas Available, Electricity Available, Cable Available, Natural Gas Connected, Cable Connected, Storm Sewer
InteriorBroadband, Garage Door Opener, Pantry
Sale & Financing
Listed2/1/2026
Sold Date7/1/2026
Original Price$650,000
Terms AcceptedCash, Conventional
HOA
HOA Fee$280 / Monthly
IncludesSnow Removal, Lawn/Yard Care
Source: SparkMLS
Tax Information
Annual Tax$10,581
Tax Year2025
Assessed Value$180,617
Parcel #11-76-2981-0027-00-0
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 27 HARBOR VILLAGE AT HARBOR SHORES SITE CONDOMINIUM LIBER 300 PAGE 0001 CONDITIONAL TRANSFER OF PROPERTY PURSUANT TO ACT 425 PF 1984 BETWEEN THE CITIES OF ST. JOSEPH AND BENTON HARBOR SEE 11-54-9425-2981-01-0 THRU 54-9425-2981-30-0
Property Records
FEMA Flood Zone: Zone X — Minimal flood risk
Source: FEMA NFHLUSDA Rural Development: Not Eligible
Verify eligibility at USDAListed by Ryan D Green
Green Towne Coastal Realty
Frequently Asked Questions about 242 Cavelier Avenue, St. Joseph, MI 49085
Which school district serves 242 Cavelier Avenue, St. Joseph, MI 49085?
Per MLS# 26000781, 242 Cavelier Avenue, 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# 26000781, this listing accepts Cash, Conventional financing. Financing acceptance is subject to change — confirm with the listing agent.
What are the property taxes at 242 Cavelier Avenue, St. Joseph, MI 49085?
Per public tax records, annual property taxes for this property are $10,581 (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, 242 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.
Is 242 Cavelier Avenue, 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 available at 242 Cavelier Avenue, St. Joseph, MI 49085. The maximum advertised download speed is 5.0 Gbps. 8 internet providers serve this address. Confirm availability and speeds directly with providers.
What utilities serve 242 Cavelier Avenue, 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$4,334
Principal & interest$4,054
HOA$280
Estimate only. Does not include PMI or other fees. Consult a lender for exact rates.
Internet
FiberDownload
5 Gbps
Upload
5 Gbps
FiberCableGSO SatelliteLicensed Fixed WirelessSatelliteDSL
8 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
242 Cavelier Avenue, St. Joseph, MI 49085
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Municipality
Benton Harbor
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