For Sale
490 4th Street, Benton Harbor, MI 49022
$39,000
MLS # 26030813 (Michigan Regional Information Center (MichRIC))
2 beds1 bath825 sqftBuilt 19400.15 acres
1 / 39
Listing Description
Walk-Out Bungalow Featuring Bonus Detached Shop This residential canvas is a premier distressed asset play for contractors looking to unlock equity in Benton Charter Township. This features a solid traditional layout with 2 bedrooms, 1 bathroom, and spacious living areas ready for updates. Features a separate detached shop building perfect for massive resale appeal, storage, or workshop needs. Positioned on a level lot minutes from downtown, Lake Michigan, and major commuter routes. Ideal rental investment or small rehab project with clear exit strategies. Sold as-is.
Source: SparkMLS
About this home
Located in Benton Township in Benton Harbor, this property offers 2-bedroom, 1-bath, 825 sq ft, with original construction dating to 1940.
Listed at $39,000 (about $47/sq ft).
Property tax estimate: $1,193 per year ($99/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.
Listing Property Details
Property TypeResidential
Property SubtypeSingle Family Residence
Bedrooms2
Bathrooms1
Living Area825 sqft
Lot Size0.15 acres
Year Built1940
Stories2
Location
CityBenton Harbor
MunicipalityBenton Harbor City
Zip Code49022
CountyBerrien
School DistrictBenton Harbor
Construction & Systems
StyleTraditional
ConstructionWood Siding, Other
BasementWalk-Out Access
Garage1 space
HeatingHot Water
WaterPublic
SewerPublic
UtilitiesElectricity Available
Sale & Financing
Listed6/19/2026
Original Price$45,000
Terms AcceptedOther, Cash, FHA, VA Loan, Conventional
Source: SparkMLS
Tax Information
Annual Tax$1,193
Tax Year2025
Assessed Value$20,489
Parcel #11-03-5020-0072-00-2
Source: SparkMLS
Legal Description
LOT 72 TOWN OF MILLBURG
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 Charles Campbell
ListWithFreedom.com
Frequently Asked Questions about 490 4th Street, Benton Harbor, MI 49022
What school district is 490 4th Street, Benton Harbor, MI 49022 in?
Per MLS# 26030813, this property is served by Benton Harbor. In Michigan, school district boundaries are set by the state and do not always follow city limits.
What type of financing is accepted for this listing?
Per MLS# 26030813, the seller has indicated this property accepts the following financing types: Other, Cash, FHA, VA Loan, Conventional. FHA financing can offer lower down payment requirements for qualified buyers. Financing acceptance is subject to change — confirm with the listing agent.
How much are property taxes for this home?
Per MLS# 26030813, the most recent reported annual property tax for 490 4th Street, Benton Harbor, MI 49022 is $1,193 (2025). 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 490 4th Street, Benton Harbor, MI 49022 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, 490 4th Street, Benton Harbor, MI 49022 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: Michigan Gas Utilities Corporation. 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 Benton Harbor City police department or the Berrien County sheriff's office.
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Monthly payment$253
Principal & interest$253
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
490 4th Street, Benton Harbor, MI 49022
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Municipality
Benton Township
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