Under Contract
531 Winchester Avenue, St. Joseph, MI 49085
$329,000
MLS # 26030500 (Michigan Regional Information Center (MichRIC))
3 beds2 baths1,254 sqftBuilt 19100.07 acres
1 / 27
Listing Description
This newly renovated 3-bedroom, 1.5-bath home just steps from Lake Michigan. It features a bright open floor plan, a completely upgraded kitchen, and a large 2-car garage for all your beach gear. Walking distance to the Buff, Restaurants and all the cool shops in downtown St. Joseph.
Source: SparkMLS
About this home
Located in St Joseph in St. Joseph, this property offers 3-bedroom, 2-bath, 1,254 sq ft, with original construction dating to 1910.
Currently offered at $329,000 (about $262/sq ft).
Estimated annual property tax: $4,786, or about $399 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
Bedrooms3
Bathrooms2
Living Area1,254 sqft
Lot Size0.07 acres
Year Built1910
Stories2
Location
CitySt. Joseph
MunicipalitySt. Joseph City
Zip Code49085
CountyBerrien
School DistrictSt. Joseph
Construction & Systems
StyleTraditional
ConstructionVinyl Siding
BasementMichigan Basement
Garage2 spaces
HeatingForced Air
WaterPublic
SewerPublic
UtilitiesNatural Gas Available, Electricity Available, Cable Available, Natural Gas Connected, Cable Connected
InteriorCeiling Fan(s), Broadband, Garage Door Opener
Sale & Financing
Listed6/18/2026
Terms AcceptedCash, FHA, VA Loan, Conventional
Source: SparkMLS
Tax Information
Annual Tax$4,786
Tax Year2024
Assessed Value$84,227
Parcel #11-76-1650-0008-00-0
Source: SparkMLS
Legal Description
LOT 8 DUNCANS ADD TO 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 Daniel Cortes
The Shore Real Estate Group
Frequently Asked Questions about 531 Winchester Avenue, St. Joseph, MI 49085
What school district is 531 Winchester Avenue, St. Joseph, MI 49085 in?
Per MLS# 26030500, 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# 26030500, the seller has indicated this property accepts the following financing types: 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# 26030500, the most recent reported annual property tax for 531 Winchester Avenue, St. Joseph, MI 49085 is $4,786 (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 531 Winchester Avenue, St. Joseph, MI 49085 eligible for USDA financing?
Per USDA Rural Development boundary data, 531 Winchester Avenue, 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, 531 Winchester Avenue, 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$2,134
Principal & interest$2,134
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
531 Winchester Avenue, St. Joseph, MI 49085
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Municipality
St Joseph
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