For Sale
251 Cavelier Avenue, St. Joseph, MI 49085
$849,000
MLS # 26011298 (Michigan Regional Information Center (MichRIC))
3 beds3 baths1,892 sqftBuilt 20230.09 acres
1 / 48
Listing Description
Turnkey, fully furnished, and income-producing with bookings already in place--this Harbor Village cottage is a rare plug-and-play investment. Located in Harbor Shores, this nearly 1,900 sq ft home offers immediate cash flow and effortless ownership. The open-concept main level is ideal for entertaining, complemented by a charming front porch. A two-car-attached garage adds convenience. Upstairs features a laundry area and a spacious primary suite with a private balcony and scenic views. Enjoy a fenced side yard for easy outdoor living. Close to the marina, walking trails, Paw Paw River kayak launch, beaches, dining, breweries, and the Jack Nicklaus Signature Golf Course--this is the perfect short-term rental or vacation home that pays for itself.
Source: SparkMLS
About this home
Located in Benton Harbor in St. Joseph, this property offers 3-bedroom, 3-bath, 1,892 sq ft, with original construction dating to 2023.
Listed at $849,000 (about $449/sq ft).
Annual property taxes run approximately $14,767 ($1,231/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 Area1,892 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, Phone Connected, Natural Gas Connected, Storm Sewer
InteriorCeiling Fan(s), Broadband, Garage Door Opener
Sale & Financing
Listed3/22/2026
Original Price$995,000
Terms AcceptedCash, Conventional
HOA
HOA Fee$280 / Monthly
IncludesSnow Removal, Lawn/Yard Care
Source: SparkMLS
Tax Information
Annual Tax$14,767
Tax Year2024
Assessed Value$232,722
Parcel #11-76-2981-0017-00-0
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 17 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 AE — 100-year floodplain
Flood insurance required for federally backed mortgages
Source: FEMA NFHLUSDA Rural Development: Not Eligible
Verify eligibility at USDAListed by Jackson G Matson
@properties Christie's International R.E.
Frequently Asked Questions about 251 Cavelier Avenue, St. Joseph, MI 49085
Which school district serves 251 Cavelier Avenue, St. Joseph, MI 49085?
Per MLS# 26011298, 251 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# 26011298, this listing accepts Cash, Conventional financing. Financing acceptance is subject to change — confirm with the listing agent.
What are the property taxes at 251 Cavelier Avenue, St. Joseph, MI 49085?
Per public tax records, annual property taxes for this property are $14,767 (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.
Can I use a USDA Rural Development loan for this property?
Per USDA Rural Development boundary data, 251 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 251 Cavelier Avenue, St. Joseph, MI 49085 in a flood zone?
Per FEMA flood maps, this property is designated as Zone AE, a high-risk flood area. 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.
What utilities serve 251 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$5,787
Principal & interest$5,507
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
251 Cavelier Avenue, St. Joseph, MI 49085
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Municipality
Benton Harbor
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