Sold
408 S Elm Street, Three Oaks, MI 49128
Sold on 06/12/2026 for$380,000
MLS # 26021734 (Michigan Regional Information Center (MichRIC))
3 beds3 baths1,767 sqftBuilt 19000.2 acres
1 / 41
Listing Description
Located a short walk from downtown Three Oaks, one of Harbor Country's most talked about and fast growing destinations. Enjoy easy access to restaurants, boutiques, galleries, and the Acorn Theater. This vibrant town is known for its live music, art scene, and year round events that draw a crowd. This charming home, believed to date back to the late 1800s as part of Shedd's Addition, blends historic character with thoughtful modern updates. Offering three bedrooms and two and one half baths, the flexible layout includes a main floor ensuite and a second floor bedroom with a bonus dressing room or office. Hardwood floors run throughout. The kitchen was refreshed in 2021 with new cabinetry, tile floors, quartz countertops, dishwasher, and ducted microwave hood. The primary bath was fully renovated in 2025 with a built in shower. Major updates include a new roof in 2023 and a brand new deck with hot tub in 2025, perfect for relaxing or entertaining.
Source: SparkMLS
About this home
3-bedroom, 3-bath, 1,767 sq ft home in Three Oaks Township in Three Oaks built in 1900.
Final sale price: $380,000 (about $215/sq ft).
Property tax estimate: $5,496 per year ($458/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
Bathrooms3
Living Area1,767 sqft
Lot Size0.2 acres
Year Built1900
Stories2
Location
CityThree Oaks
MunicipalityThree Oaks Vllg
Zip Code49128
CountyBerrien
School DistrictRiver Valley
Construction & Systems
StyleTraditional
ConstructionBrick
BasementPartial
Garage2 spaces
HeatingForced Air
WaterPublic
SewerPublic
UtilitiesNatural Gas Connected, Cable Connected
Sale & Financing
Listed5/11/2026
Sold Date6/11/2026
Terms AcceptedCash, FHA, VA Loan, Conventional
Source: SparkMLS
Tax Information
Annual Tax$5,496
Tax Year2024
Assessed Value$161,448
Parcel #11-47-7100-0016-00-1
Source: SparkMLS
Legal Description
LOT 16 SHEDDS ADD TO VILL OF THREE OAKS
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 Tammy Grayson
Keller Williams Realty SWM
Frequently Asked Questions about 408 S Elm Street, Three Oaks, MI 49128
What school district is 408 S Elm Street, Three Oaks, MI 49128 in?
Per MLS# 26021734, 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 408 S Elm Street, Three Oaks, MI 49128?
Per MLS# 26021734, the seller has indicated this property accepts the following financing types: Cash, FHA, VA Loan, 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# 26021734, the most recent reported annual property tax for 408 S Elm Street, Three Oaks, MI 49128 is $5,496 (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 408 S 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, 408 S 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$2,458
Principal & interest$2,458
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 S Elm Street, Three Oaks, MI 49128
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Municipality
Three Oaks Township
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