Under Contract
530 Montezuma Road, Benton Harbor, MI 49022
$289,900
MLS # 26034404 (Michigan Regional Information Center (MichRIC))
3 beds2 baths1,530 sqftBuilt 19360.28 acres
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Listing Description
This immaculate Cape Cod residence was completely remodeled in 2018 and has had additional upgrades since. If you're looking for a charming home in St. Joseph Township offering a hassle-free ownership experience, look no further. The main level provides an open concept layout with generous use of windows throughout. Character filled hardwood floors connect the kitchen, dining room and living room spaces. The kitchen comes with a large island, quartz counter tops, soft close cabinets, pantry and ss appliances (2018). The living room is equipped with a fireplace, creating a cozy space during those cooler weather months. 2 bedrooms and 1 full tiled bathroom with dual vanity are present on the main level. Upstairs you will find a second full tiled bathroom, primary bedroom with walk-in closet & cozy nook. The basement is furnished with a waterproof system (2024) including a lifetime warranty, giving the future owner flexibility with the space.
Source: SparkMLS
About this home
Located in St Joseph Township in Benton Harbor, this property offers 3-bedroom, 2-bath, 1,530 sq ft, with original construction dating to 1936.
Listed at $289,900 (about $189/sq ft).
Property tax estimate: $2,853 per year ($238/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
Bedrooms3
Bathrooms2
Living Area1,530 sqft
Lot Size0.28 acres
Year Built1936
Stories2
Location
CityBenton Harbor
MunicipalitySt. Joseph Twp
Zip Code49022
CountyBerrien
School DistrictBenton Harbor
Construction & Systems
StyleCape Cod
ConstructionAluminum Siding, Vinyl Siding
BasementCrawl Space, Partial
Garage2 spaces
HeatingForced Air
WaterPublic
SewerPublic
UtilitiesNatural Gas Connected, Cable Connected
InteriorGarage Door Opener, Center Island, Pantry
Sale & Financing
Listed7/7/2026
Terms AcceptedCash, FHA, Conventional
Source: SparkMLS
Tax Information
Annual Tax$2,853
Tax Year2026
Assessed Value$103,195
Parcel #111852000015011
Source: SparkMLS
Legal Description
as per title
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 Caleb Dryden
@properties Christie's International R.E.
Frequently Asked Questions about 530 Montezuma Road, Benton Harbor, MI 49022
Which school district serves 530 Montezuma Road, Benton Harbor, MI 49022?
Per MLS# 26034404, 530 Montezuma 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 type of financing is accepted for this listing?
Per MLS# 26034404, this listing accepts Cash, FHA, 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 530 Montezuma Road, Benton Harbor, MI 49022?
Per public tax records, annual property taxes for this property are $2,853 (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.
Can I use a USDA Rural Development loan for this property?
Per USDA Rural Development boundary data, 530 Montezuma Road, Benton Harbor, MI 49022 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 530 Montezuma 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 utilities serve 530 Montezuma 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 St. Joseph Twp police department or the Berrien County sheriff's office.
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Monthly payment$1,880
Principal & interest$1,880
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
530 Montezuma Road, Benton Harbor, MI 49022
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Municipality
St Joseph Township
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