Sold
516 Church Street, St. Joseph, MI 49085
Sold on 05/28/2026 for$589,000
MLS # 26006368 (Michigan Regional Information Center (MichRIC))
3 beds3 baths2,704 sqftBuilt 19200.2 acres
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Listing Description
A beautifully appointed home blending historic character with timeless original details, this stunning property is truly turn-key and ready for immediate enjoyment. Situated on an oversized double lot in the heart of downtown St. Joseph, this is a rare city find. A welcoming foyer opens to a spacious living room and formal dining area. Just off the main living space, a bright sitting room provides a peaceful retreat with views of the beautifully landscaped surroundings. The kitchen features a center island, pantry, and convenient main-floor laundry. The main-floor primary suite offers a spa-like escape with a multi-head walk-in shower, dual walk-in closets, and a large vanity. Upstairs, you'll find two additional bedrooms, a full bath, a generous family room, a loft, and a versatile flex area with potential for an additional bedroom or office. A two-car garage plus three additional parking spaces. Close to everything in downtown and beaches.
Source: SparkMLS
About this home
Located in St Joseph in St. Joseph, this property offers 3-bedroom, 3-bath, 2,704 sq ft, with original construction dating to 1920.
Closed at $589,000 (about $218/sq ft).
Estimated annual property tax: $8,466, or about $706 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.
Tour
Listing Property Details
Property TypeResidential
Property SubtypeSingle Family Residence
Bedrooms3
Bathrooms3
Living Area2,704 sqft
Lot Size0.2 acres
Year Built1920
Stories2
Location
CitySt. Joseph
MunicipalitySt. Joseph City
Zip Code49085
CountyBerrien
School DistrictSt. Joseph
Construction & Systems
StyleTraditional
ConstructionAluminum Siding
BasementFull
Garage2 spaces
HeatingForced Air
WaterPublic
SewerPublic
UtilitiesPhone Available, Natural Gas Available, Electricity Available, Cable Available, Natural Gas Connected, Storm Sewer, High-Speed Internet
InteriorBroadband, Garage Door Opener, Center Island
Sale & Financing
Listed2/20/2026
Sold Date5/27/2026
Original Price$639,000
Terms AcceptedCash, Conventional
Source: SparkMLS
Tax Information
Annual Tax$8,466
Tax Year2024
Assessed Value$149,003
Parcel #11-76-0340-0357-00-2
Source: SparkMLS
Legal Description
LOT 357 ORIGINAL PLAT OF CITY OF ST JOSEPH
Property Records
FEMA Flood Zone: Zone X — Minimal flood risk
Source: FEMA NFHLUSDA Rural Development: Not Eligible
Verify eligibility at USDAListed by Joy Schwarting
Century 21 Affiliated
Frequently Asked Questions about 516 Church Street, St. Joseph, MI 49085
What school district is 516 Church Street, St. Joseph, MI 49085 in?
Per MLS# 26006368, 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 financing options are available for 516 Church Street, St. Joseph, MI 49085?
Per MLS# 26006368, 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# 26006368, the most recent reported annual property tax for 516 Church Street, St. Joseph, MI 49085 is $8,466 (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.
Is 516 Church Street, St. Joseph, MI 49085 eligible for USDA financing?
Per USDA Rural Development boundary data, 516 Church Street, 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.
What is the FEMA flood zone designation for this property?
Per FEMA's National Flood Hazard Layer, 516 Church Street, 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 St. Joseph City police department or the Berrien County sheriff's office.
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Monthly payment$3,950
Principal & interest$3,950
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
516 Church Street, St. Joseph, MI 49085
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Municipality
St Joseph
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