For Sale
3439 Michael Lane, St. Joseph, MI 49085
$950,000
MLS # 26033148 (Michigan Regional Information Center (MichRIC))
5 beds4 baths5,693 sqftBuilt 20021.94 acres
1 / 79
Listing Description
Nestled on nearly 2 acres along the beautiful St. Joseph River with direct access to Lake Michigan, this exceptional two-story home offers the perfect blend of comfort, space, and waterfront living. The open-concept main level seamlessly connects the kitchen, dining area, and living room, creating an inviting space for everyday living and entertaining. Three generously sized bedrooms and two full bathrooms are located on the main floor, while the upper level features a private primary suite complete with 2 separate walk-in closets and a beautifully updated en-suite bath with a double vanity, soaking tub, and separate shower. An additional office and bonus room provide flexible space for working from home, hobbies, or guests.
Source: SparkMLS
About this home
Located in Royalton Township in St. Joseph, this property offers 5-bedroom, 4-bath, 5,693 sq ft, with original construction dating to 2002.
Asking $950,000 (about $167/sq ft).
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
Bedrooms5
Bathrooms4
Living Area5,693 sqft
Lot Size1.94 acres
Year Built2002
Stories2
Location
CitySt. Joseph
MunicipalityRoyalton Twp
Zip Code49085
CountyBerrien
School DistrictSt. Joseph
Construction & Systems
StyleTraditional
ConstructionBrick, Vinyl Siding
BasementDaylight, Full, Walk-Out Access
Garage4 spaces
HeatingForced Air
WaterWell
SewerPublic
InteriorCeiling Fan(s), Garage Door Opener, Hot Tub Spa, Eat-in Kitchen
Sale & Financing
Listed6/30/2026
Terms AcceptedCash, FHA, VA Loan, Conventional, Assumable
Source: SparkMLS
Tax Information
Annual Tax$0
Tax Year2026
Assessed Value$418,194
Parcel #11-17-7445-0009-00-2
Source: SparkMLS
Legal Description
LOT 9 PINE RIDGE
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 Mary B Noneman
Five Star Real Estate
Frequently Asked Questions about 3439 Michael Lane, St. Joseph, MI 49085
Which school district serves 3439 Michael Lane, St. Joseph, MI 49085?
Per MLS# 26033148, 3439 Michael Lane, 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.
What type of financing is accepted for this listing?
Per MLS# 26033148, this listing accepts Cash, FHA, VA Loan, Conventional, Assumable financing. FHA financing can offer lower down payment requirements for qualified buyers. Financing acceptance is subject to change — confirm with the listing agent.
Can I use a USDA Rural Development loan for this property?
Per USDA Rural Development boundary data, 3439 Michael Lane, St. Joseph, MI 49085 is in an eligible area. USDA RD loans offer 0% down payment for qualified buyers. Verify current eligibility at the USDA eligibility site, as boundaries are updated periodically.
Is 3439 Michael Lane, 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 3439 Michael Lane, 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: Well. 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 Royalton Twp police department or the Berrien County sheriff's office.
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Monthly payment$6,162
Principal & interest$6,162
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
3439 Michael Lane, St. Joseph, MI 49085
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Municipality
Royalton Township
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