Sold
402 S Elm Street, Three Oaks, MI 49128
Sold on 09/05/2025 for$409,000
MLS # 25037898 (Michigan Regional Information Center (MichRIC))
4 beds2 baths1,900 sqftBuilt 18900.2 acres
1 / 1
Listing Description
Property under contract
Source: SparkMLS
About this home
This 4-bedroom, 2-bath, 1,900 sq ft home built in 1890 sits in Three Oaks Village in Three Oaks.
This home sold for $409,000 (about $215/sq ft).
Property tax estimate: $2,510 per year ($209/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. Broadband is available with download speeds up to 1,200 Mbps from 9 providers.
Listing Property Details
Property TypeResidential
Property SubtypeSingle Family Residence
Bedrooms4
Bathrooms2
Living Area1,900 sqft
Lot Size0.2 acres
Year Built1890
Stories2
Location
CityThree Oaks
MunicipalityThree Oaks Vllg
Zip Code49128
CountyBerrien
School DistrictRiver Valley School District
Construction & Systems
StyleTraditional
ConstructionWood Siding
BasementCrawl Space
Garage2 spaces
HeatingRadiant
WaterPublic
SewerPublic
Sale & Financing
Listed7/29/2025
Sold Date9/4/2025
Terms AcceptedCash, Conventional
Source: SparkMLS
Tax Information
Annual Tax$2,510
Tax Year2025
Assessed Value$109,900
Parcel #114771000013001
Source: SparkMLS
Legal Description
Per Title
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 Keith Claunch
Coldwell Banker Realty
Frequently Asked Questions about 402 S Elm Street, Three Oaks, MI 49128
Which school district serves 402 S Elm Street, Three Oaks, MI 49128?
Per MLS# 25037898, 402 S Elm Street, Three Oaks, MI 49128 is in the River Valley School District boundaries. School district assignments are determined by property location and may differ from the mailing city. Contact River Valley School District directly to confirm enrollment eligibility.
Can I use FHA or VA financing for this property?
Per MLS# 25037898, this listing accepts Cash, Conventional financing. Financing acceptance is subject to change — confirm with the listing agent.
What are the property taxes at 402 S Elm Street, Three Oaks, MI 49128?
Per public tax records, annual property taxes for this property are $2,510 (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, 402 S Elm Street, Three Oaks, MI 49128 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 402 S Elm Street, Three Oaks, MI 49128 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 internet service is available at this address?
Per FCC Broadband Data Collection filings, fiber internet is not currently available at 402 S Elm Street, Three Oaks, MI 49128. The maximum advertised download speed is 1.2 Gbps. 9 internet providers serve this address. Confirm availability and speeds directly with providers.
What utilities serve 402 S Elm Street, Three Oaks, MI 49128?
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.
What is the crime rate in this area?
For crime and public safety data, we recommend inquiring directly with the Three Oaks Vllg police department or the Berrien County sheriff's office.
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Monthly payment$2,653
Principal & interest$2,653
Estimate only. Does not include PMI or other fees. Consult a lender for exact rates.
Internet
Download
1.2 Gbps
Upload
35 Mbps
CableLicensed Fixed WirelessGSO SatelliteUnlicensed Fixed WirelessSatelliteDSL
9 providers at this address
XfinityCable
1.2 GbpsVerizonLicensed Fixed Wireless
300 MbpsStarlinkGSO Satellite
280 MbpsMercury FiberUnlicensed Fixed Wireless
150 MbpsT-MobileLicensed Fixed Wireless
100 MbpsViasat IncSatellite
100 MbpsHughesNetSatellite
50 MbpsSurf InternetUnlicensed Fixed Wireless
25 MbpsAT&TDSL
10 MbpsFCC Broadband Data Collection (Dec 2025). Max advertised speeds.
Utilities
Indiana Michigan Power Company
Investor-Owned
SEMCO Energy Gas Company
Investor-Owned
MI Public Service Commission service territory boundaries.
Property
402 S Elm Street, Three Oaks, MI 49128
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Municipality
Three Oaks Village
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