For Sale
347 Ridgeway Street, St. Joseph, MI 49085
$935,000
MLS # 26031585 (Michigan Regional Information Center (MichRIC))
3 beds3 baths1,950 sqftBuilt 19100.19 acres
1 / 45
Listing Description
Open House Sunday, July 12 12:00N-2:00PM Discover the seamless fusion of historic charm and contemporary luxury on picturesque Ridgeway, St. Joseph's beloved brick-lined street. Bathed in natural light, this fully updated residence showcases breathtaking, unobstructed views of Lake Michigan. Open-concept main level flows effortlessly between living, dining, and a gourmet kitchen--perfect for everyday living and entertaining. Main-floor primary suite features, offering single-level convenience. Upper level hosts generous bedrooms, including one with a show-stopping panoramic Lake Michigan view. Extensive recent upgrades ensure a truly move-in-ready experience--just unpack and enjoy. (see list of upgrades) Step outside and you're a short walk to Tiscornia and Jean Klock Beaches, the lighthouse and pier, St. Joseph River Yacht Club. Just min away from the best of downtown St. Joe's restaurants, shopping, and fun (splash pad, Silver Beach, classic carousel, and more).
Source: SparkMLS
About this home
This 3-bedroom, 3-bath, 1,950 sq ft home built in 1910 sits in St Joseph in St. Joseph.
Currently offered at $935,000 (about $479/sq ft).
Annual property taxes run approximately $8,487 ($707/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
Bathrooms3
Living Area1,950 sqft
Lot Size0.19 acres
Year Built1910
Stories2
Location
CitySt. Joseph
MunicipalitySt. Joseph City
Zip Code49085
CountyBerrien
School DistrictSt. Joseph
Construction & Systems
StyleTraditional
ConstructionWood Siding
BasementFull
Garage2 spaces
HeatingBaseboard
WaterPublic
SewerPublic
UtilitiesNatural Gas Available, Electricity Available, Cable Available
InteriorBroadband, Garage Door Opener, Center Island
Sale & Financing
Listed6/23/2026
Terms AcceptedCash, VA Loan, Conventional
Source: SparkMLS
Tax Information
Annual Tax$8,487
Tax Year2025
Assessed Value$211,422
Parcel #11-76-1900-0101-01-1
Source: SparkMLS
Legal Description
THE NELY 62.3' OF LOT 101 EDGEWATER ADD TO CITY OF ST JOSEPH WHOSE SWLY BOUND IS PAR TO NELY BOUND OF SD LOT 101 & NELY 10' OF LOT 158 EDGEWATER ADD WHOSE SWLY BOUND IS PAR TO NELY BOUND OF SD LOT 158
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 Beth McKim
RE/MAX by the Lake
Frequently Asked Questions about 347 Ridgeway Street, St. Joseph, MI 49085
Which school district serves 347 Ridgeway Street, St. Joseph, MI 49085?
Per MLS# 26031585, 347 Ridgeway Street, 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.
Can I use FHA or VA financing for this property?
Per MLS# 26031585, this listing accepts Cash, VA Loan, Conventional financing. Financing acceptance is subject to change — confirm with the listing agent.
What are the property taxes at 347 Ridgeway Street, St. Joseph, MI 49085?
Per public tax records, annual property taxes for this property are $8,487 (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.
Can I use a USDA Rural Development loan for this property?
Per USDA Rural Development boundary data, 347 Ridgeway Street, 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 347 Ridgeway Street, St. Joseph, MI 49085 in a flood zone?
Per FEMA flood maps, this property is designated as Zone X, a minimal-risk flood area. 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.
What utilities serve 347 Ridgeway Street, 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: Public. 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 St. Joseph City police department or the Berrien County sheriff's office.
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Monthly payment$6,064
Principal & interest$6,064
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
347 Ridgeway Street, St. Joseph, MI 49085
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Municipality
St Joseph
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