Sold
548 Archer Avenue, St. Joseph, MI 49085
Sold on 06/15/2026 for$582,500
MLS # 26015767 (Michigan Regional Information Center (MichRIC))
3 beds2 baths2,387 sqftBuilt 19000.15 acres
1 / 55
Listing Description
Charm and character are endless in this two story traditional downtown St. Joe. A cozy wrap around front porch greets you as you enter the home. Natural light, tall ceilings, built in bookcases, crown molding and refinished hardwood flooring surround you in the main living area. A wood burning fireplace is centered around an open dining area, living room and conversation space. A home office, den or main floor bedroom are all options for the bonus space off the main living area. The kitchen has kept the original charm throughout the cabinetry and moldings while adding more modern features such as stainless steel appliances, quartz countertops and center island with seating. Home also offers a front and rear staircase, original pine flooring throughout the second floor, remodeled full bath with a claw foot tub, oversized closets and potential for an additional 1,100 sq feet of finished square footage on the third floor. Close to all the downtown attractions!
Source: SparkMLS
About this home
3-bedroom, 2-bath, 2,387 sq ft home in St Joseph in St. Joseph built in 1900.
Final sale price: $582,500 (about $244/sq ft).
Property tax estimate: $5,973 per year ($498/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 Area2,387 sqft
Lot Size0.15 acres
Year Built1900
Stories2
Location
CitySt. Joseph
MunicipalitySt. Joseph City
Zip Code49085
CountyBerrien
School DistrictSt. Joseph
Construction & Systems
StyleTraditional
ConstructionVinyl Siding
BasementPartial
Garage2 spaces
HeatingHot Water
WaterPublic
SewerPublic
Sale & Financing
Listed4/15/2026
Sold Date6/14/2026
Terms AcceptedCash, FHA, VA Loan, Conventional
Concessions$3,592
Source: SparkMLS
Tax Information
Annual Tax$5,973
Tax Year2024
Assessed Value$147,845
Parcel #11-76-0850-0011-00-8
Source: SparkMLS
Legal Description
LOT 11 BROOKS 2ND ADD TO CTY OF ST JOSEPH
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 Kelly Mawhinney Team
Cressy & Everett Real Estate
Frequently Asked Questions about 548 Archer Avenue, St. Joseph, MI 49085
Which school district serves 548 Archer Avenue, St. Joseph, MI 49085?
Per MLS# 26015767, 548 Archer Avenue, St. Joseph, MI 49085 is in the St. Joseph boundaries. School district assignments are determined by property location and may differ from the mailing city. Contact St. Joseph directly to confirm enrollment eligibility.
What type of financing is accepted for this listing?
Per MLS# 26015767, this listing accepts Cash, FHA, VA Loan, 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 548 Archer Avenue, St. Joseph, MI 49085?
Per public tax records, annual property taxes for this property are $5,973 (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.
Can I use a USDA Rural Development loan for this property?
Per USDA Rural Development boundary data, 548 Archer Avenue, St. Joseph, MI 49085 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 548 Archer Avenue, St. Joseph, MI 49085 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 548 Archer Avenue, St. Joseph, MI 49085?
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 City police department or the Berrien County sheriff's office.
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Monthly payment$3,794
Principal & interest$3,794
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
548 Archer Avenue, St. Joseph, MI 49085
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Municipality
St Joseph
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