For Sale
408 N Elm Street, Three Oaks, MI 49128
$469,900
MLS # 26026597 (Michigan Regional Information Center (MichRIC))
3 beds2 baths1,226 sqftBuilt 19620.26 acres
1 / 27
Listing Description
Welcome to this charming Three Oaks home offering the perfect blend of small-town living and Harbor Country convenience. This beautifully renovated 3-bedroom, 2-bath home has been updated from top to bottom and sits on a spacious village lot with plenty of room to relax, garden, entertain, or simply enjoy the outdoors. Inside, you'll find a functional floor plan filled with natural light, comfortable living spaces, updated finishes, and a full basement providing valuable storage and flexibility. Located just blocks from downtown Three Oaks, you'll enjoy convenient access to local restaurants, breweries, coffee shops, galleries, boutiques, and community events throughout the year. Michigan beaches, wineries, parks, and many of Harbor Country's most popular attractions are only minutes away. Whether you're looking for a full-time residence or weekend retreat, this move-in-ready property offers an exceptional opportunity to enjoy one of Southwest Michigan's most desirable destinations.
Source: SparkMLS
About this home
3-bedroom, 2-bath, 1,226 sq ft home in Three Oaks Township in Three Oaks built in 1962.
Currently offered at $469,900 (about $383/sq ft).
Estimated annual property tax: $4,114, or about $343 monthly. 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
Bathrooms2
Living Area1,226 sqft
Lot Size0.26 acres
Year Built1962
Stories2
Location
CityThree Oaks
MunicipalityThree Oaks Vllg
Zip Code49128
CountyBerrien
School DistrictRiver Valley
Construction & Systems
StyleTraditional
ConstructionVinyl Siding
BasementPartial
HeatingForced Air
WaterPublic
SewerPublic
UtilitiesElectricity Available, Cable Available, Natural Gas Connected
InteriorCeiling Fan(s), Broadband
Sale & Financing
Listed6/2/2026
Original Price$499,000
Terms AcceptedCash, FHA, VA Loan, Conventional
Source: SparkMLS
Tax Information
Annual Tax$4,114
Tax Year2025
Assessed Value$76,000
Parcel #11-47-3050-0028-01-5
Source: SparkMLS
Legal Description
THE S 5' OF LOT 28 HASTINGS & HEWSONS ADD TO VILL OF THREE OAKS & PT OF SEC 2 T8S R20W COM 148.5' N OF INT OF N LN POPLAR ST & E LN ELM ST TH N 49.5' TH E 190' TH S 49.5' TH W 190'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 Neil Hackler
Engel & Volkers Shoreline
Frequently Asked Questions about 408 N Elm Street, Three Oaks, MI 49128
Which school district serves 408 N Elm Street, Three Oaks, MI 49128?
Per MLS# 26026597, 408 N Elm Street, Three Oaks, MI 49128 is in the River Valley boundaries. School district assignments are determined by property location and may differ from the mailing city. Contact River Valley directly to confirm enrollment eligibility.
What type of financing is accepted for this listing?
Per MLS# 26026597, this listing accepts Cash, FHA, VA Loan, Conventional financing. FHA financing can offer lower down payment requirements for qualified buyers. Financing acceptance is subject to change — confirm with the listing agent.
What are the property taxes at 408 N Elm Street, Three Oaks, MI 49128?
Per public tax records, annual property taxes for this property are $4,114 (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, 408 N 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 408 N 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 utilities serve 408 N 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.
Loading map...
Mortgage Calculator
$
%
$
$
$
Monthly payment$3,048
Principal & interest$3,048
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
408 N Elm Street, Three Oaks, MI 49128
View full property history →
Municipality
Three Oaks Township
View all listings →
Get email alerts for new listings near 408 N Elm Street
We'll notify you when something hits the market in Three Oaks Township or nearby.
Munro Real Estate · MI Broker #6502405404 · No spam, one-click unsubscribe.