Under Contract
3010 Bonnie Lane, St. Joseph, MI 49085
$399,000
MLS # 26031791 (Michigan Regional Information Center (MichRIC))
2 beds3 baths1,523 sqftBuilt 19420.91 acres
1 / 28
Listing Description
Charming, fully updated bungalow tucked away in a private ravine setting--right in the heart of downtown St. Joe. This beautifully maintained 2-bedroom, 3-full-bath home features hardwood floors, granite countertops, French doors, and a cozy living room fireplace. The inviting living room opens to a private deck overlooking the ravine, creating the perfect spot to relax, entertain, or enjoy the peaceful setting. With an en suite bedroom, walkout lower level that is partially finished, two-car attached garage, and an additional flex room ideal for an office, guest space, or hobby room, this home offers comfort, function, and privacy in one of St. Joseph's most desirable locations. Also situated at the end of a cul-de-sac. Just a short walk to downtown restaurants, shops, and the lakefront, this bungalow delivers the perfect mix of quiet retreat and vibrant downtown living.
Source: SparkMLS
About this home
Located in St Joseph Township in St. Joseph, this property offers 2-bedroom, 3-bath, 1,523 sq ft, with original construction dating to 1942.
Listed at $399,000 (about $262/sq ft).
Property tax estimate: $3,408 per year ($284/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
Bedrooms2
Bathrooms3
Living Area1,523 sqft
Lot Size0.91 acres
Year Built1942
Stories1
Location
CitySt. Joseph
MunicipalitySt. Joseph City
Zip Code49085
CountyBerrien
School DistrictSt. Joseph
Construction & Systems
StyleRanch
ConstructionBlock, Vinyl Siding
BasementFull, Walk-Out Access
Garage2 spaces
HeatingForced Air
WaterPublic
SewerPublic
UtilitiesPhone Available, Natural Gas Available, Electricity Available, Cable Available, Natural Gas Connected
InteriorCeiling Fan(s), Broadband, Garage Door Opener, Center Island
Sale & Financing
Listed6/24/2026
Terms AcceptedCash, FHA, VA Loan, Conventional
Source: SparkMLS
Tax Information
Annual Tax$3,408
Tax Year2026
Assessed Value$83,843
Parcel #11-76-0035-0026-00-1
Source: SparkMLS
Legal Description
FROM A PT 854.7'N & N89DEG52'E 1068.1' OF CEN SEC 35 T4S R19W TH S0DEG08'E 270' TH N89DEG52'E 99.85' TO BEG TH N89DEG52'E 99.85' TH S0DEG08'E 200.7' TH S68DEG34'W 37.32' TH N65DEG08'W 71.98' TH N0DEG08'W 183.6'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 Molly Nate
The Shore Real Estate Group
Frequently Asked Questions about 3010 Bonnie Lane, St. Joseph, MI 49085
What school district is 3010 Bonnie Lane, St. Joseph, MI 49085 in?
Per MLS# 26031791, this property is served by St. Joseph. In Michigan, school district boundaries are set by the state and do not always follow city limits.
Can I use FHA or VA financing for this property?
Per MLS# 26031791, the seller has indicated this property accepts the following financing types: Cash, FHA, VA Loan, Conventional. FHA financing can offer lower down payment requirements for qualified buyers. Financing acceptance is subject to change — confirm with the listing agent.
How much are property taxes for this home?
Per MLS# 26031791, the most recent reported annual property tax for 3010 Bonnie Lane, St. Joseph, MI 49085 is $3,408 (2026). 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 3010 Bonnie Lane, 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, 3010 Bonnie Lane, 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 City police department or the Berrien County sheriff's office.
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Monthly payment$2,588
Principal & interest$2,588
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
3010 Bonnie Lane, St. Joseph, MI 49085
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Municipality
St Joseph Township
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