Sold
538 Monterey Drive, Benton Harbor, MI 49022
Sold on 07/11/2025 for$274,500
MLS # 25023746 (Michigan Regional Information Center (MichRIC))
3 beds2 baths2,145 sqftBuilt 19540.28 acres
1 / 32
Listing Description
Beautiful stone ranch located in charming St. Joseph Township neighborhood. Main floor offers new finished hardwood floors throughout most of it. Three nicely sized bedrooms and 1.5 baths with an open concept flowing out of kitchen through dining into living room. Many updates completed on this house including new furnace and a/c in 2022, brand new dishwasher and new roof installed 2025. Screened in back porch overlooks your large fenced in backyard. Full basement with 4 rooms including large rec room, laundry room and 2 rooms for storage and workshop. Schedule your showing today before its gone.
Source: SparkMLS
About this home
This 3-bedroom, 2-bath, 2,145 sq ft home built in 1954 sits in St Joseph Township in Benton Harbor.
Closed at $274,500 (about $128/sq ft).
Property tax estimate: $2,457 per year ($205/month). Tax figure is from the MLS listing record; verify with the county treasurer for the most current amount.
Fiber internet is available at this address with download speeds up to 5,000 Mbps across 7 providers. 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 Area2,145 sqft
Lot Size0.28 acres
Year Built1954
Stories1
Location
CityBenton Harbor
MunicipalitySt. Joseph Twp
Zip Code49022
CountyBerrien
School DistrictBenton Harbor Area Schools
Construction & Systems
StyleRanch
ConstructionStone
BasementFull
Garage1 space
HeatingForced Air
WaterPublic
SewerPublic
UtilitiesNatural Gas Connected
InteriorPantry
Sale & Financing
Listed5/22/2025
Sold Date7/10/2025
Terms AcceptedCash, FHA, VA Loan, Conventional
Concessions$8,235
Source: SparkMLS
Tax Information
Annual Tax$2,457
Tax Year2024
Assessed Value$83,790
Parcel #11-18-2880-0025-00-9
Source: SparkMLS
Legal Description
LOT 25 GOLF VIEW HEIGHTS
Property Records
FEMA Flood Zone: Zone X — Minimal flood risk
Source: FEMA NFHLUSDA Rural Development: Not Eligible
Verify eligibility at USDAListed by Ryan Hartman
Keller Williams Realty Swm
Frequently Asked Questions about 538 Monterey Drive, Benton Harbor, MI 49022
What school district is 538 Monterey Drive, Benton Harbor, MI 49022 in?
Per MLS# 25023746, this property is served by Benton Harbor Area Schools. In Michigan, school district boundaries are set by the state and do not always follow city limits.
Can I use FHA or VA financing for this property?
Per MLS# 25023746, 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# 25023746, the most recent reported annual property tax for 538 Monterey Drive, Benton Harbor, MI 49022 is $2,457 (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 538 Monterey Drive, Benton Harbor, MI 49022 eligible for USDA financing?
Per USDA Rural Development boundary data, 538 Monterey Drive, 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.
What is the FEMA flood zone designation for this property?
Per FEMA's National Flood Hazard Layer, 538 Monterey Drive, Benton Harbor, MI 49022 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.
Is fiber internet available at 538 Monterey Drive, Benton Harbor, MI 49022?
Per FCC broadband data, this property has access to fiber internet service. The maximum advertised download speed is 5.0 Gbps. 7 internet providers serve this address. Confirm availability and speeds directly with providers.
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 Twp police department or the Berrien County sheriff's office.
Map
Mortgage Calculator
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Monthly payment$1,745
Principal & interest$1,745
Estimate only. Does not include PMI or other fees. Consult a lender for exact rates.
Internet
FiberDownload
5 Gbps
Upload
5 Gbps
FiberCableLicensed Fixed WirelessGSO SatelliteSatellite
7 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
538 Monterey Drive, Benton Harbor, MI 49022
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Municipality
St Joseph Township
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