For Sale
40 River Street, Niles, MI 49120
$300,000
MLS # 26026442 (Michigan Regional Information Center (MichRIC))
2 beds1 bath970 sqftBuilt 19190.11 acres
1 / 20
Listing Description
Enjoy waterfront living on the beautiful St. Joseph River! This completely remodeled 2 bedroom 1 bath home offers modern updates and stunning river views. The main level primary bedroom features an en-suite bathroom with a walk in shower for convenient one level living. the updated kitchen boasts oak cabinetry, new countertops and plenty of storage, while luxury vinyl flooring runs throughout the home. A dining room patio door leads to the back deck overlooking the river, creating the perfect space for relaxing or entertaining. Recent improvements also include a newer roof and newer 100-amp electrical service. Additional features include natural gas forced furnace and central air. Move in ready and beautifully updated, this riverfront gem offers comfort, convenience and breathtaking views of the St. Joseph River.
Source: SparkMLS
About this home
2-bedroom, 1-bath, 970 sq ft home in Niles in Niles built in 1919.
Currently offered at $300,000 (about $309/sq ft).
Property tax estimate: $848 per year ($71/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 SEMCO Energy Gas Company.
Listing Property Details
Property TypeResidential
Property SubtypeSingle Family Residence
Bedrooms2
Bathrooms1
Living Area970 sqft
Lot Size0.11 acres
Year Built1919
Stories2
Location
CityNiles
MunicipalityNiles City
Zip Code49120
CountyBerrien
School DistrictNiles
Construction & Systems
ConstructionVinyl Siding
BasementMichigan Basement, Partial
Garage1 space
HeatingForced Air
WaterPublic
SewerPublic
UtilitiesPhone Available, Natural Gas Available, Electricity Available, Cable Available, Natural Gas Connected, Storm Sewer
InteriorBroadband, Garage Door Opener
Sale & Financing
Listed6/1/2026
Terms AcceptedCash, FHA, VA Loan, Conventional
Source: SparkMLS
Tax Information
Annual Tax$848
Tax Year2024
Assessed Value$22,564
Parcel #11-71-7200-0001-00-3
Source: SparkMLS
Legal Description
LOT 1 C R SMITH'S ADD TO CITY OF NILES
Property Records
FEMA Flood Zone: Zone X — Minimal flood risk
Source: FEMA NFHLUSDA Rural Development: Not Eligible
Verify eligibility at USDAListed by The Wartick Ashley Real Estate Group
Cressy & Everett Real Estate
Frequently Asked Questions about 40 River Street, Niles, MI 49120
What school district is 40 River Street, Niles, MI 49120 in?
Per MLS# 26026442, this property is served by Niles. 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# 26026442, 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# 26026442, the most recent reported annual property tax for 40 River Street, Niles, MI 49120 is $848 (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 40 River Street, Niles, MI 49120 eligible for USDA financing?
Per USDA Rural Development boundary data, 40 River Street, Niles, MI 49120 is not in an eligible area. USDA eligibility is based on property location — properties within designated urban zones are excluded. Other low-down-payment options (FHA, VA) may still be available.
What is the FEMA flood zone designation for this property?
Per FEMA's National Flood Hazard Layer, 40 River Street, Niles, MI 49120 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: SEMCO Energy Gas Company. 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 Niles City police department or the Berrien County sheriff's office.
Map
Mortgage Calculator
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Monthly payment$1,946
Principal & interest$1,946
Estimate only. Does not include PMI or other fees. Consult a lender for exact rates.
Utilities
Indiana Michigan Power Company
Investor-Owned
SEMCO Energy Gas Company
Investor-Owned
MI Public Service Commission service territory boundaries.
Property
40 River Street, Niles, MI 49120
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Municipality
Niles
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