Under Contract
416 Upton Drive, St. Joseph, MI 49085
$529,000
MLS # 26034828 (Michigan Regional Information Center (MichRIC))
3 beds3 baths2,153 sqftBuilt 20010.25 acres
1 / 28
Listing Description
Perfectly situated just minutes from some of Lake Michigan's most sought-after beaches and the prestigious Jack Nicklaus Signature Golf Course, this beautifully maintained ranch offers the ideal blend of comfort and location. Featuring 3 bedrooms & 3 full baths, including primary en-suite, this home is designed for easy living. Enjoy the sizeable three-season room with floor to ceiling sliders overlooking the private, fully fenced backyard-perfect for entertaining or relaxing. The fully finished basement offers an expansive recreation area plus a fourth non-conforming bedroom, providing endless flexibility for guests, home office, fitness room, or hobbies. Whether you're searching for a full-time residence, vacation getaway, or investment property. Take advantage of this desirable location, walking distance to local amenities- this home is a must see!
Source: SparkMLS
About this home
This 3-bedroom, 3-bath, 2,153 sq ft home built in 2001 sits in St Joseph in St. Joseph.
Asking $529,000 (about $246/sq ft).
Estimated annual property tax: $6,463, or about $539 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 Michigan Gas Utilities Corporation.
Listing Property Details
Property TypeResidential
Property SubtypeSingle Family Residence
Bedrooms3
Bathrooms3
Living Area2,153 sqft
Lot Size0.25 acres
Year Built2001
Stories1
Location
CitySt. Joseph
MunicipalitySt. Joseph City
Zip Code49085
CountyBerrien
School DistrictSt. Joseph
Construction & Systems
StyleRanch
ConstructionVinyl Siding
BasementFull
Garage2 spaces
HeatingForced Air
WaterPublic
SewerPublic
UtilitiesPhone Available, Natural Gas Available, Electricity Available, Cable Available, Natural Gas Connected, Cable Connected, Storm Sewer, High-Speed Internet
InteriorCeiling Fan(s), Broadband, Garage Door Opener, Center Island, Pantry
Sale & Financing
Listed7/8/2026
Terms AcceptedCash, Conventional
Source: SparkMLS
Tax Information
Annual Tax$6,463
Tax Year2026
Assessed Value$228,000
Parcel #11-76-1900-0143-01-5
Source: SparkMLS
Legal Description
BEG AT SLY COR LOT 143 EDGEWATER ADD TH N54DEG27'37''W ON SWLY LN SD LOT 143 123.7' TO WLY MOST COR SD LOT 143 TH N36DEG11'33''E ON NWLY LN LOTS 143 & 142 SD PLAT 87.81' TH S54DEG24'39''E 123.28' TO WLY R/W LN UPTON DR TH S35DEG55'11''W ON WLY R/W LN 87.70' 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 Kelsey Jarvis
Coldwell Banker Realty
Frequently Asked Questions about 416 Upton Drive, St. Joseph, MI 49085
Which school district serves 416 Upton Drive, St. Joseph, MI 49085?
Per MLS# 26034828, 416 Upton Drive, St. Joseph, MI 49085 is in the St. Joseph boundaries. School district assignments are determined by property location and may differ from the mailing city. Contact St. Joseph directly to confirm enrollment eligibility.
What financing options are available for 416 Upton Drive, St. Joseph, MI 49085?
Per MLS# 26034828, this listing accepts Cash, Conventional financing. Financing acceptance is subject to change — confirm with the listing agent.
What are the property taxes at 416 Upton Drive, St. Joseph, MI 49085?
Per public tax records, annual property taxes for this property are $6,463 (2026). 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, 416 Upton Drive, 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 416 Upton Drive, 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 utilities serve 416 Upton Drive, 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 St. Joseph City police department or the Berrien County sheriff's office.
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Monthly payment$3,431
Principal & interest$3,431
Estimate only. Does not include PMI or other fees. Consult a lender for exact rates.
Utilities
Indiana Michigan Power Company
Investor-Owned
Michigan Gas Utilities Corporation
Investor-Owned
MI Public Service Commission service territory boundaries.
Property
416 Upton Drive, St. Joseph, MI 49085
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Municipality
St Joseph
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