For Sale
4945 S Stockbridge Drive, St. Joseph, MI 49085
$2,100,000
MLS # 26031532 (Michigan Regional Information Center (MichRIC))
6 beds7 baths8,587 sqftBuilt 20072.23 acres
1 / 66
Listing Description
Extraordinary waterfront estate where luxury, privacy, & recreation converge on 2.23 meticulous acres along the Saint Joseph River. Boasting an impressive 296 feet of private frontage on the all-sports river this exceptional residence offers an unparalleled lifestyle defined by elegance & effortless entertaining. With 6 spacious bedrooms, 5 full baths & 2 half baths, this custom home showcases expansive living spaces & breathtaking river views throughout. The thoughtfully crafted open layout seamlessly connects the main living areas creating the perfect environment for intimate living & grand-scale gatherings alike. At the heart of the home is a chef inspired gourmet kitchen featuring premium finishes, abundant prep space & top tier functionality to satisfy the most discerning culinary enthusiast. Spectacular saltwater pool & hot tub surrounded by beautiful, landscaped grounds offering ultimate relaxation. Remarkable estate offers rare opportunity to own a premier waterfront property.
Source: SparkMLS
About this home
This 6-bedroom, 7-bath, 8,587 sq ft home built in 2007 sits in Royalton Township in St. Joseph.
Currently offered at $2,100,000 (about $245/sq ft).
Estimated annual property tax: $14,911, or about $1,243 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
Bedrooms6
Bathrooms7
Living Area8,587 sqft
Lot Size2.23 acres
Year Built2007
Stories2
Location
CitySt. Joseph
MunicipalityRoyalton Twp
Zip Code49085
CountyBerrien
School DistrictSt. Joseph
Construction & Systems
StyleTraditional
ConstructionStone
BasementFull, Walk-Out Access
Garage4 spaces
HeatingForced Air
WaterPublic
SewerPublic
UtilitiesPhone Available, Natural Gas Available, Cable Available, Natural Gas Connected, Cable Connected, High-Speed Internet
InteriorCeiling Fan(s), Broadband, Garage Door Opener, Hot Tub Spa, Wet Bar, Center Island, Eat-in Kitchen, Pantry
Sale & Financing
Listed6/23/2026
Terms AcceptedCash, Conventional
HOA
HOA Fee$300 / Annually
IncludesOther
Source: SparkMLS
Tax Information
Annual Tax$14,911
Tax Year2026
Assessed Value$628,419
Parcel #11-17-7300-0014-00-0
Source: SparkMLS
Legal Description
UNIT 14 STOCKBRIDGE ESTATES LIBER 145 PAGE 1
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 4945 S Stockbridge Drive, St. Joseph, MI 49085
What school district is 4945 S Stockbridge Drive, St. Joseph, MI 49085 in?
Per MLS# 26031532, this property is served by St. Joseph. 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# 26031532, the seller has indicated this property accepts the following financing types: Cash, Conventional. Financing acceptance is subject to change — confirm with the listing agent.
How much are property taxes for this home?
Per MLS# 26031532, the most recent reported annual property tax for 4945 S Stockbridge Drive, St. Joseph, MI 49085 is $14,911 (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.
Is 4945 S Stockbridge Drive, St. Joseph, MI 49085 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, 4945 S Stockbridge Drive, St. Joseph, MI 49085 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 Royalton Twp police department or the Berrien County sheriff's office.
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Mortgage Calculator
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Monthly payment$13,646
Principal & interest$13,621
HOA$25
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
4945 S Stockbridge Drive, St. Joseph, MI 49085
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Municipality
Royalton Township
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