Under Contract
409 Oak Street, Three Oaks, MI 49128
$424,900
MLS # 26025137 (Michigan Regional Information Center (MichRIC))
4 beds2 baths2,200 sqftBuilt 19000.18 acres
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Listing Description
Charming home in the heart of Three Oaks! This classic vintage 4-bedroom, 2-bath property blends timeless character with thoughtful modern updates. Recent improvements include a brand-new kitchen and baths, updated plumbing and electrical, new interior lighting, new first-floor flooring, fresh paint throughout, brand-new carpet upstairs, modern metal entry doors, new landscaping, and a newly installed privacy fence. The inviting layout offers spacious living spaces, abundant natural light, and comfortable everyday living. Enjoy relaxing on the enclosed front porch, entertaining on the rear deck or spending time in the beautifully shaded backyard surrounded by mature trees. A large bonus shed offers great potential as a studio or workshop, plus a one-car garage adds convenience. Located just a few blocks from downtown shops, restaurants, and everything Harbor Country has to offer, including beaches, wineries, and outdoor recreation.
Source: SparkMLS
About this home
This 4-bedroom, 2-bath, 2,200 sq ft home built in 1900 sits in Three Oaks Township in Three Oaks.
Asking $424,900 (about $193/sq ft).
Annual property taxes run approximately $1,392 ($116/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
Bathrooms2
Living Area2,200 sqft
Lot Size0.18 acres
Year Built1900
Stories2
Location
CityThree Oaks
MunicipalityThree Oaks Vllg
Zip Code49128
CountyBerrien
School DistrictRiver Valley
Construction & Systems
StyleTraditional
ConstructionVinyl Siding
BasementMichigan Basement
Garage1 space
HeatingForced Air
WaterPublic
SewerPublic
UtilitiesNatural Gas Available, Electricity Available, Cable Available, Storm Sewer
InteriorCeiling Fan(s)
Sale & Financing
Listed5/26/2026
Original Price$449,000
Terms AcceptedCash, Conventional
Source: SparkMLS
Tax Information
Annual Tax$1,392
Tax Year2024
Assessed Value$36,273
Parcel #11-47-1200-0009-04-1
Source: SparkMLS
Legal Description
COM 243' S OF NW COR OF LOT I CHAMBERLAIN'S PLAT OF SUB OF NW1/4 OF NW1/4 SEC 11 T8S R20W TH S 60' E 132' N 60' W 132' TO BEG
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 409 Oak Street, Three Oaks, MI 49128
What school district is 409 Oak Street, Three Oaks, MI 49128 in?
Per MLS# 26025137, this property is served by River Valley. In Michigan, school district boundaries are set by the state and do not always follow city limits.
Can I use FHA or VA financing for this property?
Per MLS# 26025137, 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# 26025137, the most recent reported annual property tax for 409 Oak Street, Three Oaks, MI 49128 is $1,392 (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 409 Oak 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, 409 Oak 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$2,756
Principal & interest$2,756
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
409 Oak Street, Three Oaks, MI 49128
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Municipality
Three Oaks Township
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