Sold
2676 Lake Bluff Terrace, St. Joseph, MI 49085
Sold on 06/17/2026 for$460,000
MLS # 26020423 (Michigan Regional Information Center (MichRIC))
3 beds4 baths2,645 sqftBuilt 19720.34 acres
1 / 48
Listing Description
Beautifully maintained 3-bedroom, 2 full and 2 half bath brick ranch located in highly desirable Shoreham Village with deeded Lake Michigan access just a short walk away. Situated on a spacious, professionally landscaped lot, this home offers exceptional curb appeal with mature trees, vibrant perennial gardens, underground sprinkling, and multiple outdoor spaces to relax and entertain. Inside, you'll find an inviting open-concept layout filled with natural light. The stunning vaulted sunroom/family room features skylights, exposed beam accents, walls of windows, and French doors leading to the patio and garden retreat. Spacious living and dining areas flow seamlessly together, creating an ideal setting for gatherings and everyday living. The partially finished basement includes custom built-ins and a unique bar area, offering additional recreation and entertaining space. Kitchen features tile flooring, tile backsplash, pull-out shelving. More below.......
Source: SparkMLS
About this home
3-bedroom, 4-bath, 2,645 sq ft home in St Joseph Township in St. Joseph built in 1972.
This home sold for $460,000 (about $174/sq ft).
Annual property taxes run approximately $4,285 ($357/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
Bathrooms4
Living Area2,645 sqft
Lot Size0.34 acres
Year Built1972
Stories1
Location
CitySt. Joseph
MunicipalitySt. Joseph Twp
Zip Code49085
CountyBerrien
School DistrictLakeshore
Construction & Systems
StyleRanch
ConstructionBrick
BasementCrawl Space, Partial
Garage2 spaces
HeatingForced Air
WaterPublic
SewerPublic
InteriorGarage Door Opener
Sale & Financing
Listed5/6/2026
Sold Date6/16/2026
Terms AcceptedCash, Conventional
Source: SparkMLS
Tax Information
Annual Tax$4,285
Tax Year2025
Assessed Value$137,965
Parcel #11-43-4500-0010-00-3
Source: SparkMLS
Legal Description
LOT 10 LAKE BLUFF TERRACE SUB ALSO AN UNDIVIDED 1/18TH INTEREST AS TENANTS IN COMMON IN THE PRIVATE BEACH LYING W OF LAKE BLUFF TERRACE SUB BEING PARCEL 11-43-0009-0059-04-5 AND DES AS COM 97.3'N0DEG11'30''E OF SW COR LOT 8 SD PLAT TH N 0 DEG11'30''E 54.91'TH N89DEG 06'W 478.82'TO WATERS OF LK MICH TH SWLY ON WATERS EDGE TO A PT N88DEG56'W OF BEG TH S88DEG56'E 498'MOL TO POB
Property Records
FEMA Flood Zone: Zone X — Minimal flood risk
Source: FEMA NFHLUSDA Rural Development: Eligible — 0% Down Payment Available
Verify eligibility at USDAListed by Joe Flood
@properties Christie's International R.E.
Frequently Asked Questions about 2676 Lake Bluff Terrace, St. Joseph, MI 49085
What school district is 2676 Lake Bluff Terrace, St. Joseph, MI 49085 in?
Per MLS# 26020423, this property is served by Lakeshore. In Michigan, school district boundaries are set by the state and do not always follow city limits.
What type of financing is accepted for this listing?
Per MLS# 26020423, 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# 26020423, the most recent reported annual property tax for 2676 Lake Bluff Terrace, St. Joseph, MI 49085 is $4,285 (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.
Is 2676 Lake Bluff Terrace, 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, 2676 Lake Bluff Terrace, St. Joseph, MI 49085 is in flood zone X (minimal risk). 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.
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 Twp police department or the Berrien County sheriff's office.
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Monthly payment$3,048
Principal & interest$3,048
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
2676 Lake Bluff Terrace, St. Joseph, MI 49085
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Municipality
St Joseph Township
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