Sold
490 Territorial Road, Benton Harbor, MI 49022
Sold on 05/01/2026 for$215,000
MLS # 25056704 (Michigan Regional Information Center (MichRIC))
5 beds3 baths3,055 sqftBuilt 19140.25 acres
1 / 25
Listing Description
TIMELESS CHARM, MODERN COMFORT, and ROOM for EVERYONE! Step into a home that feels both classic and comforting where hand-carved details, glowing hardwood floors, and brick fireplaces create a sense of story and warmth in every room. This inviting home has been beautifully cared for and thoughtfully updated with a NEW roof, siding, fascia, and gutters (2023), a NEW water heater (2024), and a NEW boiler (2021) giving you PEACE OF MIND for years to come. The kitchen has butcher block countertops, tile floors, and stainless steel appliances, plus a convenient pantry/laundry room just steps away. Cozy up in the living room or enjoy dinner in the formal dining room gazing out the bay windows. Upstairs, you'll find four large bedrooms, centered around a bright, open, and airy landing. The third-floor attic offers even more flexibility with a 5th bedroom- whether it's a playroom, game room, or guest suite. This home oozes with old world charm and craftsmanship not found in newer homes.
Source: SparkMLS
About this home
Located in Benton Harbor in Benton Harbor, this property offers 5-bedroom, 3-bath, 3,055 sq ft, with original construction dating to 1914.
This home sold for $215,000 (about $70/sq ft).
Property tax estimate: $2,611 per year ($218/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. Fiber internet is available at this address with download speeds up to 5,000 Mbps across 9 providers.
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Listing Property Details
Property TypeResidential
Property SubtypeSingle Family Residence
Bedrooms5
Bathrooms3
Living Area3,055 sqft
Lot Size0.25 acres
Year Built1914
Stories3
Location
CityBenton Harbor
MunicipalityBenton Harbor City
Zip Code49022
CountyBerrien
School DistrictBenton Harbor
Construction & Systems
StyleTraditional
ConstructionBrick, Vinyl Siding
BasementPartial
HeatingHot Water, Radiant
WaterPublic
SewerPublic
UtilitiesPhone Available, Natural Gas Available, Electricity Available, Cable Available, Natural Gas Connected
InteriorCeiling Fan(s), Broadband, Pantry
Sale & Financing
Listed11/4/2025
Sold Date4/30/2026
Terms AcceptedCash, Conventional
Source: SparkMLS
Tax Information
Annual Tax$2,611
Tax Year2025
Assessed Value$60,471
Parcel #11-54-7570-0003-02-0
Source: SparkMLS
Legal Description
SPLIT/COMBINED ON 09/07/2016 FROM 54-7570-0001-02-0, 54-7570-0002-02-0, 54-7570-0003-01-0; LOT 3 & W 24' OF LOT 2 BLK 1 SUB OF BLKS 5 & 6 IN THRESHER IMPROVEMENT ADD TO CITY OF BENTON HARBOR
Property Records
FEMA Flood Zone: Zone X — Minimal flood risk
Source: FEMA NFHLUSDA Rural Development: Not Eligible
Verify eligibility at USDAListed by The Dennis Bamber Group
Cressy & Everett Real Estate
Frequently Asked Questions about 490 Territorial Road, Benton Harbor, MI 49022
Which school district serves 490 Territorial Road, Benton Harbor, MI 49022?
Per MLS# 25056704, 490 Territorial Road, Benton Harbor, MI 49022 is in the Benton Harbor boundaries. School district assignments are determined by property location and may differ from the mailing city. Contact Benton Harbor directly to confirm enrollment eligibility.
What financing options are available for 490 Territorial Road, Benton Harbor, MI 49022?
Per MLS# 25056704, this listing accepts Cash, Conventional financing. Financing acceptance is subject to change — confirm with the listing agent.
What are the property taxes at 490 Territorial Road, Benton Harbor, MI 49022?
Per public tax records, annual property taxes for this property are $2,611 (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.
Can I use a USDA Rural Development loan for this property?
Per USDA Rural Development boundary data, 490 Territorial Road, Benton Harbor, MI 49022 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 490 Territorial Road, Benton Harbor, MI 49022 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 internet service is available at this address?
Per FCC Broadband Data Collection filings, fiber internet is available at 490 Territorial Road, Benton Harbor, MI 49022. The maximum advertised download speed is 5.0 Gbps. 9 internet providers serve this address. Confirm availability and speeds directly with providers.
What utilities serve 490 Territorial Road, Benton Harbor, MI 49022?
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 Benton Harbor City police department or the Berrien County sheriff's office.
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Monthly payment$1,784
Principal & interest$1,784
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Internet
FiberDownload
5 Gbps
Upload
5 Gbps
FiberCableLicensed Fixed WirelessGSO SatelliteSatelliteDSL
9 providers at this address
FCC Broadband Data Collection (Dec 2025). Max advertised speeds.
Utilities
Indiana Michigan Power Company
Investor-Owned
Michigan Gas Utilities Corporation
Investor-Owned
MI Public Service Commission service territory boundaries.
Property
490 Territorial Road, Benton Harbor, MI 49022
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Municipality
Benton Harbor
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