Sold
609 Wayne Street, St. Joseph, MI 49085
Sold on 07/13/2026 for$320,000
MLS # 26027679 (Michigan Regional Information Center (MichRIC))
3 beds2 baths1,496 sqftBuilt 19100.08 acres
1 / 55
Listing Description
Coming Soon! Showings begin 6/11. Timeless character meets an unbeatable St. Joseph location in this 116-year-old vintage home less than a mile from Silver Beach and Lake Michigan. Filled with beautiful original woodwork, this 3 bed, 2 full bath home offers warmth, charm, fresh paint throughout, and a new furnace in 2023. Enjoy a quick stroll to downtown shops, restaurants, entertainment, beaches, parks and year-round events. The spacious enclosed porch is perfect for morning coffee, sweet tea or relaxing after a beach day, while the large concrete patio offers even more space for grilling, entertaining or gathering outdoors. A basement of this age and location in such good condition is a rare find, offering valuable storage space. Whether used as a full-time residence, vacation getaway, or midterm/long-term rental opportunity, this home offers flexibility in one of Southwest Michigan's most desirable vacation spots.
Source: SparkMLS
About this home
3-bedroom, 2-bath, 1,496 sq ft home in St Joseph in St. Joseph built in 1910.
This home sold for $320,000 (about $214/sq ft).
Estimated annual property tax: $3,902, or about $325 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 Area1,496 sqft
Lot Size0.08 acres
Year Built1910
Stories2
Location
CitySt. Joseph
MunicipalitySt. Joseph City
Zip Code49085
CountyBerrien
School DistrictSt. Joseph
Construction & Systems
StyleTraditional
ConstructionAluminum Siding
BasementFull
HeatingForced Air
WaterPublic
SewerPublic
Sale & Financing
Listed6/10/2026
Sold Date7/12/2026
Terms AcceptedCash, Conventional
Source: SparkMLS
Tax Information
Annual Tax$3,902
Tax Year2024
Assessed Value$66,901
Parcel #11-76-1600-0004-00-8
Source: SparkMLS
Legal Description
LOT 4 DOWNTOWN 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 Dawn Tomlinson
RE/MAX by the Lake
Frequently Asked Questions about 609 Wayne Street, St. Joseph, MI 49085
What school district is 609 Wayne Street, St. Joseph, MI 49085 in?
Per MLS# 26027679, 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# 26027679, 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# 26027679, the most recent reported annual property tax for 609 Wayne Street, St. Joseph, MI 49085 is $3,902 (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 609 Wayne Street, St. Joseph, MI 49085 eligible for USDA financing?
Per USDA Rural Development boundary data, 609 Wayne Street, 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, 609 Wayne Street, 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$2,076
Principal & interest$2,076
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
609 Wayne Street, St. Joseph, MI 49085
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Municipality
St Joseph
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