For Sale
398 W Napier Avenue, Benton Harbor, MI 49022
$274,900
MLS # 26024390 (Michigan Regional Information Center (MichRIC))
3 beds2 baths1,772 sqftBuilt 19130.62 acres
1 / 52
Listing Description
Nestled on two generous lots along the tree-lined streets of Fairplain, this charming 2-story home blends character, comfort, and space. Imagine cozy evenings by the fireplace in the warm, wood-floored living room or morning coffee in the sunlit parlor surrounded by windows. The versatile dining room offers plenty of space for entertaining and could easily serve as a second family room. The kitchen is designed for connection, opening to a spacious eating area with sliding glass doors leading to a relaxing deck. Featuring a snack bar, pantry, and included appliances. Upstairs, you'll find three bedrooms and a full bath, including a spacious primary bedroom with a walk-in closet. The lower level adds flexibility with a deep, functional basement--perfect for a rec room, hobby space, or extra storage. Outdoors, enjoy the freedom of a double lot with a large fenced area ideal for pets, play, or gardening.
Source: SparkMLS
About this home
3-bedroom, 2-bath, 1,772 sq ft home in St Joseph Township in Benton Harbor built in 1913.
Asking $274,900 (about $155/sq ft).
Annual property taxes run approximately $2,229 ($186/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
Bathrooms2
Living Area1,772 sqft
Lot Size0.62 acres
Year Built1913
Stories2
Location
CityBenton Harbor
MunicipalitySt. Joseph Twp
Zip Code49022
CountyBerrien
School DistrictBenton Harbor
Construction & Systems
StyleTraditional
ConstructionVinyl Siding
BasementPartial
Garage1 space
HeatingForced Air
WaterPublic
SewerPublic
UtilitiesNatural Gas Available, Electricity Available
InteriorCeiling Fan(s), Eat-in Kitchen, Pantry
Sale & Financing
Listed5/21/2026
Original Price$289,000
Terms AcceptedCash, Conventional
Source: SparkMLS
Tax Information
Annual Tax$2,229
Tax Year2025
Assessed Value$76,995
Parcel #18-0136-0094-01-6
Source: SparkMLS
Legal Description
COM 814.9'E & 33'S OF N1/4 PST SEC 36 T4S R19W TH S0DEG34'E 177'TH E 77.3'TH N 0 DEG34'W 177'TH W 77.3'TO BEG 0.31 A. (LOT:) COM 892.2'E OF N1/4 PST SEC 36 T4S R19W TH S 210'TH E 75'TH N 210'TH W 75'TO BEG 0.36 A.
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 Christine Norland
Jaqua Realtors
Frequently Asked Questions about 398 W Napier Avenue, Benton Harbor, MI 49022
Which school district serves 398 W Napier Avenue, Benton Harbor, MI 49022?
Per MLS# 26024390, 398 W Napier Avenue, Benton Harbor, MI 49022 is in the Benton Harbor boundaries. School district assignments are determined by property location and may differ from the mailing city. Contact Benton Harbor directly to confirm enrollment eligibility.
Can I use FHA or VA financing for this property?
Per MLS# 26024390, this listing accepts Cash, Conventional financing. Financing acceptance is subject to change — confirm with the listing agent.
What are the property taxes at 398 W Napier Avenue, Benton Harbor, MI 49022?
Per public tax records, annual property taxes for this property are $2,229 (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, 398 W Napier Avenue, Benton Harbor, MI 49022 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 398 W Napier Avenue, Benton Harbor, MI 49022 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 398 W Napier Avenue, Benton Harbor, MI 49022?
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 Twp police department or the Berrien County sheriff's office.
Loading map...
Mortgage Calculator
$
%
$
$
$
Monthly payment$1,783
Principal & interest$1,783
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
398 W Napier Avenue, Benton Harbor, MI 49022
View full property history →
Municipality
St Joseph Township
View all listings →
Get email alerts for new listings near 398 W Napier Avenue
We'll notify you when something hits the market in St Joseph Township or nearby.
Munro Real Estate · MI Broker #6502405404 · No spam, one-click unsubscribe.