For Sale
403 State Street 3, St. Joseph, MI 49085
$485,000
MLS # 26024139 (Michigan Regional Information Center (MichRIC))
2 beds2 baths1,237 sqftBuilt 20090 acres
1 / 22
Listing Description
Highly desirable downtown St. Joseph Condo in the heart of the city. Short distance to Silver Beach and Lake Michigan, shopping and restaurants. Experience year-round activities on the lake bluff like farmers markets, antiques, art fairs, and local craft beer and wine festivals. Close proximity to multiple marinas as well as Harbor Shores Golf Course, designed by Jack Nicklaus. Condo offers an open concept with amazing Brazilian Cherry hardwood floors in living, dining and kitchen with high ceilings, large windows, and wonderful seasonal views of the Lake Michigan! KitchenAid stainless steel appliances and front load laundry appliances in the master suite. Upscale improvements, Schedule your private showing today! A Realtor owned property.
Source: SparkMLS
About this home
2-bedroom, 2-bath, 1,237 sq ft home in St Joseph in St. Joseph built in 2009.
Currently offered at $485,000 (about $392/sq ft).
Property tax estimate: $7,300 per year ($608/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 SubtypeCondominium
Bedrooms2
Bathrooms2
Living Area1,237 sqft
Year Built2009
Stories2
Location
CitySt. Joseph
MunicipalitySt. Joseph City
Zip Code49085
CountyBerrien
School DistrictSt. Joseph
Construction & Systems
StyleContemporary
ConstructionBrick
BasementOther
HeatingForced Air
WaterPublic
SewerPublic
UtilitiesPhone Available, Natural Gas Available, Electricity Available, Cable Available, Phone Connected, Natural Gas Connected, Storm Sewer
InteriorCeiling Fan(s), Broadband, Elevator, Eat-in Kitchen
Sale & Financing
Listed5/21/2026
Terms AcceptedCash, Conventional
Source: SparkMLS
Tax Information
Annual Tax$7,300
Tax Year2025
Assessed Value$172,017
Parcel #11-76-2850-0003-00-6
Source: SparkMLS
Legal Description
UNIT 3 GREAT LAKES CONDO LIBER 254 PAGE 1
Property Records
FEMA Flood Zone: Zone X — Minimal flood risk
Source: FEMA NFHLUSDA Rural Development: Not Eligible
Verify eligibility at USDAListed by Joe Flood
@properties Christie's International R.E.
Frequently Asked Questions about 403 State Street 3, St. Joseph, MI 49085
What school district is 403 State Street 3, St. Joseph, MI 49085 in?
Per MLS# 26024139, 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 financing options are available for 403 State Street 3, St. Joseph, MI 49085?
Per MLS# 26024139, the seller has indicated this property accepts the following financing types: Cash, Conventional. Financing acceptance is subject to change — confirm with the listing agent.
How much are property taxes for this home?
Per MLS# 26024139, the most recent reported annual property tax for 403 State Street 3, St. Joseph, MI 49085 is $7,300 (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.
Is 403 State Street 3, St. Joseph, MI 49085 eligible for USDA financing?
Per USDA Rural Development boundary data, 403 State Street 3, St. Joseph, MI 49085 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, 403 State Street 3, 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 City police department or the Berrien County sheriff's office.
Map
Mortgage Calculator
$
%
$
$
$
Monthly payment$3,146
Principal & interest$3,146
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
403 State Street 3, St. Joseph, MI 49085
View full property history →
Municipality
St Joseph
View all listings →
Get email alerts for new listings near 403 State Street 3
We'll notify you when something hits the market in St Joseph or nearby.
Munro Real Estate · MI Broker #6502405404 · No spam, one-click unsubscribe.