Under Contract
3663 Arbor Street, St. Joseph, MI 49085
$329,900
MLS # 26028598 (Michigan Regional Information Center (MichRIC))
3 beds1 bath1,733 sqftBuilt 19610.27 acres
1 / 39
Listing Description
Mid-century style, modern peace-of-mind! This fully updated St. Joseph ranch packs a punch with every major component--roof, siding, windows, HVAC, electric, plumbing--newer than 10 years. Inside, sunlight dances across hardwoods that unite an open living/dining area and a crisp white kitchen with stainless appliances. Three spacious bedrooms anchor the main floor, while a heated flex room is ready to serve as a fourth bedroom, office, or studio. The chic bath shines with tile Surround and sleek fixtures. Out back, a privately fenced yard invites pets, playsets, and weekend cookouts. Car enthusiasts and hobbyists will love the oversized 3+car tandem garage offering abundant storage for tools and toys. Nestled minutes from Lake Michigan beaches, downtown shops, award-winning schools, and I-94, this low-maintenance gem delivers the easy lifestyle you've been hunting. Unpack, unwind, and enjoy St. Joe living at its best!
Source: SparkMLS
About this home
Located in St Joseph Township in St. Joseph, this property offers 3-bedroom, 1-bath, 1,733 sq ft, with original construction dating to 1961.
Listed at $329,900 (about $190/sq ft).
Property tax estimate: $3,223 per year ($269/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
Bathrooms1
Living Area1,733 sqft
Lot Size0.27 acres
Year Built1961
Stories1
Location
CitySt. Joseph
MunicipalitySt. Joseph Twp
Zip Code49085
CountyBerrien
School DistrictSt. Joseph
Construction & Systems
StyleRanch
ConstructionVinyl Siding
BasementPartial, Slab
Garage4 spaces
HeatingForced Air
WaterPublic
SewerPublic
UtilitiesPhone Connected, Natural Gas Connected, Cable Connected
InteriorCeiling Fan(s), Eat-in Kitchen
Sale & Financing
Listed6/10/2026
Terms AcceptedCash, FHA, VA Loan, Conventional
Source: SparkMLS
Tax Information
Annual Tax$3,223
Tax Year2024
Assessed Value$101,345
Parcel #11-18-7300-0005-00-5
Source: SparkMLS
Legal Description
LOT 5 SOUTHVIEW
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 David E Shepherd
RE/MAX by the Lake
Frequently Asked Questions about 3663 Arbor Street, St. Joseph, MI 49085
What school district is 3663 Arbor Street, St. Joseph, MI 49085 in?
Per MLS# 26028598, this property is served by St. Joseph. In Michigan, school district boundaries are set by the state and do not always follow city limits.
What type of financing is accepted for this listing?
Per MLS# 26028598, 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# 26028598, the most recent reported annual property tax for 3663 Arbor Street, St. Joseph, MI 49085 is $3,223 (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 3663 Arbor 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, 3663 Arbor Street, 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 Twp police department or the Berrien County sheriff's office.
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Monthly payment$2,140
Principal & interest$2,140
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
3663 Arbor Street, St. Joseph, MI 49085
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Municipality
St Joseph Township
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