For Sale
404 Cedar Street, Three Oaks, MI 49128
$399,000
MLS # 26023604 (Michigan Regional Information Center (MichRIC))
4 beds3 baths2,280 sqftBuilt 19480.23 acres
1 / 25
Listing Description
Located in the wonderful South/East quadrant of Three Oaks Village, you'll find this traditional 4-bedroom, 2.5-bath home, ready for outdoor, summertime entertaining! Relax, grill-out and dine in the festive screenhouse; take a dip in the pool, sunbathe on the pool deck, or sit around the fire pit. Inside, the large living room boasts a wood-burning fireplace, hardwood floors, and an original staircase. A large primary bedroom suite, dining room, and kitchen complete the 1st floor. Upstairs, you will enjoy three additional bedrooms and another full bath. Updates include new roof, furnace/AC, water softener, and other interior work.
Source: SparkMLS
About this home
4-bedroom, 3-bath, 2,280 sq ft home in Three Oaks Township in Three Oaks built in 1948.
Currently offered at $399,000 (about $175/sq ft).
Annual property taxes run approximately $5,630 ($469/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
Bedrooms4
Bathrooms3
Living Area2,280 sqft
Lot Size0.23 acres
Year Built1948
Stories2
Location
CityThree Oaks
MunicipalityThree Oaks Vllg
Zip Code49128
CountyBerrien
School DistrictRiver Valley
Construction & Systems
StyleTraditional
ConstructionBrick, Stone
BasementFull
HeatingForced Air
WaterPublic
SewerPublic
Sale & Financing
Listed5/19/2026
Original Price$425,000
Terms AcceptedCash, FHA, VA Loan, Rural Development, Conventional
Source: SparkMLS
Tax Information
Annual Tax$5,630
Tax Year2025
Assessed Value$166,426
Parcel #11-47-1200-0009-16-4
Source: SparkMLS
Legal Description
PT OF LOT I CHAMBERLAIN'S SUB OF NW1/4 OF NW1/4 OF SEC 11 T8S R20W COM AT NE COR SD LOT I TH S 93' TO POB TH W 105.5' TH S 55' TH W 20' TH S 35' TH E 125.5' TH N 90' TO POB
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 Mario Zarantenello
Brokerworks Real Estate Group
Frequently Asked Questions about 404 Cedar Street, Three Oaks, MI 49128
What school district is 404 Cedar Street, Three Oaks, MI 49128 in?
Per MLS# 26023604, this property is served by River Valley. 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# 26023604, the seller has indicated this property accepts the following financing types: Cash, FHA, VA Loan, Rural Development, 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# 26023604, the most recent reported annual property tax for 404 Cedar Street, Three Oaks, MI 49128 is $5,630 (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 404 Cedar Street, Three Oaks, MI 49128 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, 404 Cedar Street, Three Oaks, MI 49128 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 Three Oaks Vllg police department or the Berrien County sheriff's office.
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Monthly payment$2,588
Principal & interest$2,588
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
404 Cedar Street, Three Oaks, MI 49128
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Municipality
Three Oaks Township
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