Under Contract
5640 Tilly Road, St. Joseph, MI 49085
$419,900
MLS # 26032269 (Michigan Regional Information Center (MichRIC))
2 unitsBuilt 19760.77 acres
1 / 59
Listing Description
Exceptional Duplex - It's like 2 houses! Each side of this impressive property has 3 bedrooms, 1.5 baths, fireplace, spacious kitchen, usable pleasant basement with high ceilings! high efficiency Gas heat, central air, replacement windows throughout, modern newer appliances & much more. Tenants pay gas, electric, water & trash, $1,700 & $1,800 rents w/ long term leases. This is a well maintained & desirable property ideal as an investment or as an owner occupied property because it's spacious & has the features of a quality single family home. Garages, porches, patio's, storage sheds. spacious yard all in a great location near Stevensville. This kind of property is hard to find. If you desire a cash flow property that will build equity with future potential this is it. DO THE MATH; a 1440 square foot home with a basement, fireplace, garage, gas heat central air. etc. would sell for way more than 50% of the asking price of this great duplex. Check it out. It's a money maker
Source: SparkMLS
About this home
Listed at $419,900.
Estimated annual property tax: $4,159, or about $347 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 TypeMulti Family
Property Subtype2 to 4 Units
Bathrooms0
Lot Size0.77 acres
Year Built1976
Location
CitySt. Joseph
MunicipalityRoyalton Twp
Zip Code49085
CountyBerrien
School DistrictLakeshore
Construction & Systems
ConstructionAluminum Siding, Brick
BasementFull
HeatingForced Air
SewerSeptic Tank
UtilitiesNatural Gas Available, Natural Gas Connected, Electricity Connected
Sale & Financing
Listed6/25/2026
Terms AcceptedCash, Conventional
Source: SparkMLS
Tax Information
Annual Tax$4,159
Tax Year2025
Assessed Value$125,826
Parcel #11-17-0019-0027-14-8
Source: SparkMLS
Legal Description
COM 463.84'N OF S1/4 PST SEC 19 T5S R18W TH W 314.25'TH S 107'TH E 314.25'TH N 107'TO POB
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 Art Attila
ERA Reardon Realty
Frequently Asked Questions about 5640 Tilly Road, St. Joseph, MI 49085
What school district is 5640 Tilly Road, St. Joseph, MI 49085 in?
Per MLS# 26032269, this property is served by Lakeshore. 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# 26032269, 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# 26032269, the most recent reported annual property tax for 5640 Tilly Road, St. Joseph, MI 49085 is $4,159 (2025). 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 5640 Tilly Road, St. Joseph, MI 49085 eligible for USDA financing?
Per USDA boundary maps, this property is located in a USDA-eligible area, which means qualified buyers may be able to finance with 0% down through the USDA Rural Development program. Confirm current eligibility directly with USDA.
What is the FEMA flood zone designation for this property?
Per FEMA's National Flood Hazard Layer, 5640 Tilly Road, 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: Septic Tank. Confirm service details directly with providers.
How safe is this area?
For crime and public safety data, we recommend inquiring directly with the Royalton Twp police department or the Berrien County sheriff's office.
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Monthly payment$2,723
Principal & interest$2,723
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
5640 Tilly Road, St. Joseph, MI 49085
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Municipality
Royalton Township
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