For Sale
406 N Elm Street, Three Oaks, MI 49128
$272,500
MLS # 26025682 (Michigan Regional Information Center (MichRIC))
3 beds1 bath1,400 sqftBuilt 19000.22 acres
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Listing Description
Updated Farmhouse in the Village of Three Oaks! This 3 bedroom/1 bath charmer has newer stainless appliances, newer windows, siding, new concrete side patio, firepit, new section of rear decking, refreshed landscaping, off-street alley parking, storage shed and room for a garage! Whether your enjoying the many parades from the front porch, a relaxing beverage on the patio or grilling with friends/family on the back deck - this home is ready to welcome its new family. Just a short distance to downtown Three Oaks, wineries, breweries, distilleries, hiking trails, bike trails, casinos, Lake Michigan and all things Harbor Country. Come see why this small town give many bigger reasons to stay!! Do not park on Elm St. /front of house. Photos are virtually staged for inspiration!
Source: SparkMLS
About this home
Located in Three Oaks Township in Three Oaks, this property offers 3-bedroom, 1-bath, 1,400 sq ft, with original construction dating to 1900.
Currently offered at $272,500 (about $195/sq ft).
Property tax estimate: $4,345 per year ($362/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
Bedrooms3
Bathrooms1
Living Area1,400 sqft
Lot Size0.22 acres
Year Built1900
Stories2
Location
CityThree Oaks
MunicipalityThree Oaks Vllg
Zip Code49128
CountyBerrien
School DistrictRiver Valley
Construction & Systems
StyleTraditional
ConstructionVinyl Siding
BasementCrawl Space
HeatingForced Air
WaterPublic
SewerPublic
UtilitiesNatural Gas Connected
Sale & Financing
Listed5/28/2026
Original Price$282,500
Terms AcceptedCash, Conventional
Source: SparkMLS
Tax Information
Annual Tax$4,345
Tax Year2024
Assessed Value$82,480
Parcel #11-47-0002-0006-00-7
Source: SparkMLS
Legal Description
COM 104.5'S OF NW COR LOT 28 HASTINGS & HEWSONS ADD TO VILL OF THREE OAKS SEC 2 T8S R20W TH S 49.5'TH E 190'TH N 49.5'TH W 190'TO POB, and per title commitment
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 Traci S Lauricella
RE/MAX Harbor Country @ New Buffalo
Frequently Asked Questions about 406 N Elm Street, Three Oaks, MI 49128
What school district is 406 N Elm Street, Three Oaks, MI 49128 in?
Per MLS# 26025682, 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 financing options are available for 406 N Elm Street, Three Oaks, MI 49128?
Per MLS# 26025682, 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# 26025682, the most recent reported annual property tax for 406 N Elm Street, Three Oaks, MI 49128 is $4,345 (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 406 N Elm 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, 406 N Elm 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$1,767
Principal & interest$1,767
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
406 N Elm Street, Three Oaks, MI 49128
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Municipality
Three Oaks Township
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