Sold
5665 W Phillips Road, Three Oaks, MI 49128
Sold on 01/12/2026 for$499,900
MLS # 25054685 (Michigan Regional Information Center (MichRIC))
3 beds2 baths2,119 sqftBuilt 200410 acres
1 / 61
Listing Description
Escape the bustle of daily life to this serene 10-acre retreat. This 3-bedroom, 2-bath colonial farmhouse features a partial finished basement (with potential 4th bedroom), four-season sunroom, screened porch, and attached two-car garage. Enjoy a stocked pond, fruit trees, and a mix of woods and farmland—all set privately back from the road. Built in 2004 with 2x6 studs, R-19 insulation, HardiPlank siding, and newer windows, this home was crafted for quality and comfort. Inside, the handcrafted kitchen cabinets, woodstove, and pleasant layout create warmth and charm. The property also includes a chicken coop, fenced garden, and a 16x24 pole barn. Lovingly maintained and thoughtfully designed, this home is ready to host your next chapter in peaceful country living. Less than 5 minutes from all the attractions in downtown Three Oaks, such as Journeyman and Vickers Theater yet with all the peace of the wildlife in nature. Just over an hour from Chicago, schedule a showing, fall in love
Source: SparkMLS
About this home
This 3-bedroom, 2-bath, 2,119 sq ft home built in 2004 sits in Three Oaks Township in Three Oaks.
This home sold for $499,900 (about $236/sq ft).
Annual property taxes run approximately $2,462 ($205/month). Tax figure is from the MLS listing record; verify with the county treasurer for the most current amount.
Broadband is available with download speeds up to 280 Mbps from 7 providers. Electric service is provided by Indiana Michigan Power Company; natural gas by SEMCO Energy Gas Company.
Listing Property Details
Property TypeResidential
Property SubtypeSingle Family Residence
Bedrooms3
Bathrooms2
Living Area2,119 sqft
Lot Size10 acres
Year Built2004
Stories2
Location
CityThree Oaks
MunicipalityThree Oaks Twp
Zip Code49128
CountyBerrien
School DistrictRiver Valley
Construction & Systems
StyleColonial, Farmhouse
ConstructionHardiPlank Type
BasementFull
Garage2 spaces
HeatingForced Air
WaterWell
SewerSeptic Tank
UtilitiesHigh-Speed Internet
InteriorLP Tank Rented
Sale & Financing
Listed10/22/2025
Sold Date1/11/2026
Terms AcceptedCash, FHA, VA Loan, Rural Development, MSHDA, Conventional
Source: SparkMLS
Tax Information
Annual Tax$2,462
Tax Year2024
Assessed Value$105,485
Parcel #11-20-0012-0013-05-2
Source: SparkMLS
Legal Description
as per title commitment
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 Aris Kubash
Century 21 Affiliated
Frequently Asked Questions about 5665 W Phillips Road, Three Oaks, MI 49128
What school district is 5665 W Phillips Road, Three Oaks, MI 49128 in?
Per MLS# 25054685, this property is served by River Valley. 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# 25054685, the seller has indicated this property accepts the following financing types: Cash, FHA, VA Loan, Rural Development, MSHDA, 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# 25054685, the most recent reported annual property tax for 5665 W Phillips Road, Three Oaks, MI 49128 is $2,462 (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 5665 W Phillips Road, Three Oaks, MI 49128 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, 5665 W Phillips Road, Three Oaks, MI 49128 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 5665 W Phillips Road, Three Oaks, MI 49128?
Per FCC Broadband Data Collection filings, fiber internet is not currently available at 5665 W Phillips Road, Three Oaks, MI 49128. The maximum advertised download speed is 280 Mbps. 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: SEMCO Energy Gas Company. Sewer: Septic Tank. Water: Well. Confirm service details directly with providers.
How safe is this area?
For crime and public safety data, we recommend inquiring directly with the Three Oaks Twp police department or the Berrien County sheriff's office.
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Mortgage Calculator
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Monthly payment$3,242
Principal & interest$3,242
Estimate only. Does not include PMI or other fees. Consult a lender for exact rates.
Internet
Download
280 Mbps
Upload
30 Mbps
GSO SatelliteUnlicensed Fixed WirelessSatelliteLicensed Fixed WirelessDSL
7 providers at this address
StarlinkGSO Satellite
280 MbpsMercury FiberUnlicensed Fixed Wireless
150 MbpsViasat IncSatellite
100 MbpsHughesNetSatellite
50 MbpsSurf InternetUnlicensed Fixed Wireless
25 MbpsT-MobileLicensed Fixed Wireless
25 MbpsAT&TDSL
0 MbpsFCC Broadband Data Collection (Dec 2025). Max advertised speeds.
Utilities
Indiana Michigan Power Company
Investor-Owned
SEMCO Energy Gas Company
Investor-Owned
MI Public Service Commission service territory boundaries.
Property
5665 W Phillips Road, Three Oaks, MI 49128
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Municipality
Three Oaks Township
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