Sold
315 Dunham Avenue, St. Joseph, MI 49085
Sold on 06/23/2026 for$247,000
MLS # 26019512 (Michigan Regional Information Center (MichRIC))
3 beds1 bath1,230 sqftBuilt 19510.34 acres
1 / 43
Listing Description
Charming 3 bedroom home in the heart of a desirable beach town, is just minutes from the shoreline. This cozy residence offers a bright, open living space filled with natural light and a functional layout that maximizes every square foot. The kitchen flows seamlessly into the main living area, making it ideal for everyday living or weekend getaways. Step outside to a rare oversized backyard--perfect for entertaining, gardening, or future expansion. Plenty of space for outdoor dining, fire pits, or even a pool. Whether you're looking for a full-time residence, vacation home, or investment property, this home delivers location, flexibility, and outdoor space that's hard to find near the beach. Close to local shops, restaurants, and coastal attractions, this property combines relaxed beach living with everyday convenience. Property also has two large sheds on the property for ample storage.
Source: SparkMLS
About this home
This 3-bedroom, 1-bath, 1,230 sq ft home built in 1951 sits in St Joseph in St. Joseph.
Closed at $247,000 (about $201/sq ft).
Estimated annual property tax: $3,458, or about $288 monthly. 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
Bathrooms1
Living Area1,230 sqft
Lot Size0.34 acres
Year Built1951
Stories1
Location
CitySt. Joseph
MunicipalitySt. Joseph City
Zip Code49085
CountyBerrien
School DistrictSt. Joseph
Construction & Systems
StyleRanch
ConstructionVinyl Siding
BasementSlab
Garage1 space
HeatingForced Air
WaterPublic
SewerPublic
UtilitiesCable Available, Natural Gas Connected
InteriorGarage Door Opener, Eat-in Kitchen
Sale & Financing
Listed5/1/2026
Sold Date6/22/2026
Terms AcceptedCash, FHA, VA Loan, Conventional
Concessions$3
Source: SparkMLS
Tax Information
Annual Tax$3,458
Tax Year2024
Assessed Value$88,246
Parcel #11-76-1750-0006-01-1
Source: SparkMLS
Legal Description
LOTS 6,7 & 8 DUNHAM ACRES
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 Roger Johnson
Real Broker LLC
Frequently Asked Questions about 315 Dunham Avenue, St. Joseph, MI 49085
What school district is 315 Dunham Avenue, St. Joseph, MI 49085 in?
Per MLS# 26019512, 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# 26019512, 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# 26019512, the most recent reported annual property tax for 315 Dunham Avenue, St. Joseph, MI 49085 is $3,458 (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.
Is 315 Dunham Avenue, 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, 315 Dunham Avenue, 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$1,556
Principal & interest$1,556
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
315 Dunham Avenue, St. Joseph, MI 49085
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Municipality
St Joseph
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