For Sale
306 Water Street, St. Joseph, MI 49085
$1,159,000
MLS # 26021268 (Michigan Regional Information Center (MichRIC))
3 beds3 baths1,891 sqftBuilt 19892.17 acres
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Listing Description
Luxury Meets Lakeside Living .... Located where the St. Joseph River meets Lake Michigan, this 3-bedroom, 2.5-bath Townhome Villa sits inside an exclusive gated Waterfront Association with unobstructed views of the lake, the lighthouse, and both the North & South Piers. The main level is open and well-suited for entertaining: marble floors, a gourmet kitchen with timeless custom cherry cabinetry, an expansive granite island, and stainless appliances. A wet bar off the dining area and a carved natural gas fireplace make the space feel both warm and welcoming. The living room opens to a private balcony where sunset views stretch across the water. Upstairs, the primary suite has its own lake-view balcony, a spa-style bath with walk-in shower, and generous closet space. and two additional bedrooms. The attached two-car garage has ceramic tile flooring which flexes nicely into extra entertaining space for larger occasions, and direct patio access for grilling and outdoor lounging.
Source: SparkMLS
About this home
3-bedroom, 3-bath, 1,891 sq ft home in St Joseph in St. Joseph built in 1989.
Asking $1,159,000 (about $613/sq ft).
Property tax estimate: $15,485 per year ($1,290/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 SubtypeCondominium
Bedrooms3
Bathrooms3
Living Area1,891 sqft
Lot Size2.17 acres
Year Built1989
Stories3
Location
CitySt. Joseph
MunicipalitySt. Joseph City
Zip Code49085
CountyBerrien
School DistrictSt. Joseph
Construction & Systems
ConstructionStone, Stucco, Other
BasementSlab, Walk-Out Access
Garage2 spaces
HeatingForced Air
WaterPublic
SewerPublic
UtilitiesNatural Gas Available, Electricity Available, Cable Available, Natural Gas Connected, Cable Connected, High-Speed Internet
InteriorBroadband, Garage Door Opener, Wet Bar, Center Island, Pantry
Sale & Financing
Listed5/10/2026
Terms AcceptedCash, Conventional
HOA
HOA Fee$655 / Monthly
IncludesSnow Removal, Lawn/Yard Care
Source: SparkMLS
Tax Information
Annual Tax$15,485
Tax Year2025
Assessed Value$265,489
Parcel #11-76-8500-0053-00-1
Source: SparkMLS
Legal Description
UNIT 53 THE WATERFRONT BLDG NO 4 LIBER 36 PAGE 1
Property Records
FEMA Flood Zone: Zone AE — 100-year floodplain
Flood insurance required for federally backed mortgages
Source: FEMA NFHLUSDA Rural Development: Eligible — 0% Down Payment Available
Verify eligibility at USDAListed by Gary Depa
@properties Christie's International R.E.
Frequently Asked Questions about 306 Water Street, St. Joseph, MI 49085
What school district is 306 Water Street, St. Joseph, MI 49085 in?
Per MLS# 26021268, 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# 26021268, 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# 26021268, the most recent reported annual property tax for 306 Water Street, St. Joseph, MI 49085 is $15,485 (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 306 Water Street, 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, 306 Water Street, St. Joseph, MI 49085 is in flood zone AE (high risk). 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.
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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Mortgage Calculator
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Monthly payment$8,172
Principal & interest$7,517
HOA$655
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
306 Water Street, St. Joseph, MI 49085
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Municipality
St Joseph
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