Sold
4796 Naomi Lane, St. Joseph, MI 49085
Sold on 06/05/2026 for$385,000
MLS # 26017249 (Michigan Regional Information Center (MichRIC))
3 beds3 baths1,789 sqftBuilt 19642.23 acres
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Listing Description
Nature, Wildlife, Serene wooded setting are just a few ways to describe the setting of this sprawling ranch home. It's not often you get 2.34 acres of peaceful land while still being in St. Joe schools and close to all the amenities of town. Many updates/improvements have been done to this home while still leaving it a blank canvas for you to create your vision. New hardwood floors in kitchen and den, new 1/2 bath, new well pump, new furnace....just to name a few. This home has plenty of space inside and out along with an extra heated garage. That's not all! You have 80 feet of shared deeded river access just a short distance away. Hurry to schedule your private showing before it's too late!
Source: SparkMLS
About this home
Located in Royalton Township in St. Joseph, this property offers 3-bedroom, 3-bath, 1,789 sq ft, with original construction dating to 1964.
This home sold for $385,000 (about $215/sq ft).
Estimated annual property tax: $3,222, or about $268 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 Area1,789 sqft
Lot Size2.23 acres
Year Built1964
Stories1
Location
CitySt. Joseph
MunicipalityRoyalton Twp
Zip Code49085
CountyBerrien
School DistrictSt. Joseph
Construction & Systems
StyleRanch
ConstructionBrick
BasementCrawl Space, Full
Garage2 spaces
HeatingForced Air
WaterWell
SewerPublic
UtilitiesNatural Gas Connected, Cable Connected, High-Speed Internet
InteriorCeiling Fan(s), Garage Door Opener, Eat-in Kitchen
Sale & Financing
Listed4/21/2026
Sold Date6/4/2026
Terms AcceptedCash, FHA, VA Loan, MSHDA, Conventional
Source: SparkMLS
Tax Information
Annual Tax$3,222
Tax Year2024
Assessed Value$132,200
Parcel #11-17-5250-0005-01-8
Source: SparkMLS
Legal Description
LOT 5 NAOMI LANE EXC COM SE COR LOT 5 TH N1DEG22'W 282.17' TH S16DEG43'W 316.46' TH N77DEG57'E 100' TO POB ALSO THAT PT LOT 6 NAOMI LANE COM SW COR LOT 6 TH N77DEG57'E 115.93' TH N18DEGE 349.39' TH S81DEG41'17''W 222.25' TH S3DEG49'W 383.90' 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 Carole Reitz
RE/MAX by the Lake
Frequently Asked Questions about 4796 Naomi Lane, St. Joseph, MI 49085
Which school district serves 4796 Naomi Lane, St. Joseph, MI 49085?
Per MLS# 26017249, 4796 Naomi Lane, 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 type of financing is accepted for this listing?
Per MLS# 26017249, this listing accepts Cash, FHA, VA Loan, MSHDA, 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 4796 Naomi Lane, St. Joseph, MI 49085?
Per public tax records, annual property taxes for this property are $3,222 (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, 4796 Naomi Lane, 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 4796 Naomi Lane, 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 4796 Naomi Lane, 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: Well. 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$2,335
Principal & interest$2,335
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
4796 Naomi Lane, St. Joseph, MI 49085
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Municipality
Royalton Township
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