Sold
4085 Ravina Terrace, St. Joseph, MI 49085
Sold on 09/09/2025 for$325,000
MLS # 25025212 (Michigan Regional Information Center (MichRIC))
4 beds3 baths2,320 sqftBuilt 19950.5 acres
1 / 29
Listing Description
A 4-bedroom, 3 full bath home nestled on a serene, wooded lot with a ravine backdrop. Featuring cathedral ceilings and wood floors throughout, this home offers both elegance and comfort in a tranquil natural setting. The main level boasts a spacious open-concept layout with three bedrooms, including a large primary suite complete with walk-in closets and en suite bath. The kitchen features granite countertops, stainless steel appliances, and an oversized pantry with convenient laundry access. Downstairs has a walk-out lower level, where you'll find an additional bedroom, a full bathroom, and a large recreation area perfect for entertaining or relaxing. This home offers a perfect blend of privacy, nature, and modern living.
Source: SparkMLS
About this home
4-bedroom, 3-bath, 2,320 sq ft home in Royalton Township in St. Joseph built in 1995.
Final sale price: $325,000 (about $140/sq ft).
Property tax estimate: $2,742 per year ($229/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. Broadband is available with download speeds up to 1,200 Mbps from 7 providers.
Listing Property Details
Property TypeResidential
Property SubtypeSingle Family Residence
Bedrooms4
Bathrooms3
Living Area2,320 sqft
Lot Size0.5 acres
Year Built1995
Stories1
Location
CitySt. Joseph
MunicipalityRoyalton Twp
Zip Code49085
CountyBerrien
School DistrictSt. Joseph Public Schools
Construction & Systems
ConstructionVinyl Siding
BasementFull, Walk-Out Access
Garage2 spaces
HeatingForced Air
WaterPublic
SewerPublic
UtilitiesNatural Gas Available, Electricity Available, Cable Available, Natural Gas Connected, Cable Connected
InteriorCeiling Fan(s), Garage Door Opener, Pantry
Sale & Financing
Listed5/29/2025
Sold Date9/8/2025
Original Price$399,999
Terms AcceptedCash, FHA, VA Loan, Conventional
Concessions$7,500
Source: SparkMLS
Tax Information
Annual Tax$2,742
Tax Year2024
Assessed Value$111,701
Parcel #11-17-6770-0035-00-8
Source: SparkMLS
Legal Description
LOT 35 ROYALVIEW PARK
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 Vita Zacherl
Coldwell Banker Realty
Frequently Asked Questions about 4085 Ravina Terrace, St. Joseph, MI 49085
Which school district serves 4085 Ravina Terrace, St. Joseph, MI 49085?
Per MLS# 25025212, 4085 Ravina Terrace, St. Joseph, MI 49085 is in the St. Joseph Public Schools boundaries. School district assignments are determined by property location and may differ from the mailing city. Contact St. Joseph Public Schools directly to confirm enrollment eligibility.
Can I use FHA or VA financing for this property?
Per MLS# 25025212, 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 4085 Ravina Terrace, St. Joseph, MI 49085?
Per public tax records, annual property taxes for this property are $2,742 (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.
Can I use a USDA Rural Development loan for this property?
Per USDA Rural Development boundary data, 4085 Ravina Terrace, St. Joseph, MI 49085 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 4085 Ravina Terrace, St. Joseph, MI 49085 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 internet service is available at this address?
Per FCC Broadband Data Collection filings, fiber internet is not currently available at 4085 Ravina Terrace, St. Joseph, MI 49085. The maximum advertised download speed is 1.2 Gbps. 7 internet providers serve this address. Confirm availability and speeds directly with providers.
What utilities serve 4085 Ravina Terrace, St. Joseph, MI 49085?
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.
What is the crime rate in this area?
For crime and public safety data, we recommend inquiring directly with the Royalton Twp police department or the Berrien County sheriff's office.
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Monthly payment$2,270
Principal & interest$2,270
Estimate only. Does not include PMI or other fees. Consult a lender for exact rates.
Internet
Download
1.2 Gbps
Upload
35 Mbps
CableGSO SatelliteUnlicensed Fixed WirelessSatelliteDSLLicensed Fixed Wireless
7 providers at this address
XfinityCable
1.2 GbpsStarlinkGSO Satellite
280 MbpsMercury FiberUnlicensed Fixed Wireless
150 MbpsViasat IncSatellite
100 MbpsHughesNetSatellite
50 MbpsAT&TDSL
25 MbpsT-MobileLicensed Fixed Wireless
25 MbpsFCC Broadband Data Collection (Dec 2025). Max advertised speeds.
Utilities
Indiana Michigan Power Company
Investor-Owned
Michigan Gas Utilities Corporation
Investor-Owned
MI Public Service Commission service territory boundaries.
Property
4085 Ravina Terrace, St. Joseph, MI 49085
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Municipality
Royalton Township
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