For Sale
420 Golden Bear Court, St. Joseph, MI 49085
$165,000
MLS # 26029762 (Michigan Regional Information Center (MichRIC))
0.32 acres
1 / 12
Listing Description
Luxury homesite overlooking the 5th fairway of the world-renowned Harbor Shores Golf Course. Perfectly positioned within The Fairways at Harbor Shores, this oversized homesite offers an exceptional opportunity to build your custom dream home in one of Southwest Michigan's premier golf communities. Enjoy convenient access to neighborhood amenities, championship golf, Lake Michigan beaches, kayaking, downtown St. Joseph shopping and an array of local resort-style dining and entertainment options.
Source: SparkMLS
About this home
Currently offered at $165,000.
Estimated annual property tax: $191, or about $16 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 TypeLand
Property SubtypeLot
Bathrooms0
Lot Size0.32 acres
Location
CitySt. Joseph
MunicipalitySt. Joseph City
Zip Code49085
CountyBerrien
School DistrictSt. Joseph
Construction & Systems
WaterPublic
SewerPublic Sewer
UtilitiesNatural Gas Available, Electricity Available, Cable Available, Phone Available, Storm Sewer, None
Sale & Financing
Listed6/15/2026
Terms AcceptedCash, Conventional
HOA
HOA Fee$300 / Monthly
IncludesLawn/Yard Care, Snow Removal
Source: SparkMLS
Tax Information
Annual Tax$191
Tax Year2024
Assessed Value$3,253
Parcel #11-76-1200-0020-01-0
Source: SparkMLS
Legal Description
SPLIT/COMBINED ON 01/04/2019 FROM 76-1200-0020-00-8, 76-1200-0021-00-4, 76-1200-0022-00-1, 54-9425-0020-00-3, 54-9425-0021-00-0, 54-9425-0022-00-6; UNIT 20A FAIRWAYS AT HARBOR SHORES LIBER 271 PAGE 1 FOURTH AMENDMENT LIBER 271 PAGE 141 CONDITIONAL TRANSFER OF PROPERTY PURSUANT TO ACT 425 OF 1984 BETWEEN THE CITIES OF ST JOSEPH AND BENTON HARBOR SEE 11-54-9425-0020-01-0
Property Records
FEMA Flood Zone: Zone X — Minimal flood risk
Source: FEMA NFHLUSDA Rural Development: Not Eligible
Verify eligibility at USDAListed by Brian Savage
Coldwell Banker Realty
Frequently Asked Questions about 420 Golden Bear Court, St. Joseph, MI 49085
Which school district serves 420 Golden Bear Court, St. Joseph, MI 49085?
Per MLS# 26029762, 420 Golden Bear Court, 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.
Can I use FHA or VA financing for this property?
Per MLS# 26029762, this listing accepts Cash, Conventional financing. Financing acceptance is subject to change — confirm with the listing agent.
What are the property taxes at 420 Golden Bear Court, St. Joseph, MI 49085?
Per public tax records, annual property taxes for this property are $191 (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, 420 Golden Bear Court, St. Joseph, MI 49085 is not in an eligible area. USDA eligibility is based on property location — properties within designated urban zones are excluded. Other low-down-payment options (FHA, VA) may still be available.
Is 420 Golden Bear Court, 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 420 Golden Bear Court, St. Joseph, MI 49085?
Per Michigan Public Service Commission service territory data: Electric: Indiana Michigan Power Company. Gas: Michigan Gas Utilities Corporation. Sewer: Public Sewer. 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.
Map
Mortgage Calculator
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Monthly payment$1,370
Principal & interest$1,070
HOA$300
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
420 Golden Bear Court, St. Joseph, MI 49085
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Municipality
Benton Harbor
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