Sold
715 Elm Street, St. Joseph, MI 49085
Sold on 06/18/2026 for$325,000
MLS # 26017699 (Michigan Regional Information Center (MichRIC))
2 beds2 baths802 sqftBuilt 19400.05 acres
1 / 21
Listing Description
Completely remodeled and truly turnkey, this exceptional downtown St. Joseph home is one of the closest single-family residences to the heart of the city. Just steps to vibrant shops, dining, and entertainment--and a short walk to Silver Beach and the Bluff--the location is unbeatable. Inside, every detail has been thoughtfully redesigned with high-end finishes, including a stunning kitchen with white cabinetry, quartz countertops, and stainless steel appliances. The home features a beautifully updated primary suite bath, second full bath, new hardwood floors, stylish fixtures, and upgraded plumbing and electrical throughout. Outside, enjoy new siding, a paver walkway and patio, and rare parking for four cars--an incredible find this close to downtown. Perfect as a year-round home or summer retreat.
Source: SparkMLS
About this home
2-bedroom, 2-bath, 802 sq ft home in St Joseph in St. Joseph built in 1940.
This home sold for $325,000 (about $405/sq ft).
Property tax estimate: $4,904 per year ($409/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
Bedrooms2
Bathrooms2
Living Area802 sqft
Lot Size0.05 acres
Year Built1940
Stories1
Location
CitySt. Joseph
MunicipalitySt. Joseph City
Zip Code49085
CountyBerrien
School DistrictSt. Joseph
Construction & Systems
StyleRanch
ConstructionHardiPlank Type
BasementCrawl Space, Partial
HeatingBaseboard
WaterPublic
SewerPublic
UtilitiesNatural Gas Available, Electricity Available, Natural Gas Connected
InteriorCeiling Fan(s), Center Island, Eat-in Kitchen
Sale & Financing
Listed4/29/2026
Sold Date6/17/2026
Terms AcceptedCash, Conventional
Source: SparkMLS
Tax Information
Annual Tax$4,904
Tax Year2024
Assessed Value$140,000
Parcel #11-76-0340-0274-01-8
Source: SparkMLS
Legal Description
THE WLY 49.3' OF THE SLY 44' OF LOT 274 ORIGINAL PLAT OF 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 Shannon Kutchek
Compass Michigan LLC
Frequently Asked Questions about 715 Elm Street, St. Joseph, MI 49085
What school district is 715 Elm Street, St. Joseph, MI 49085 in?
Per MLS# 26017699, 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# 26017699, 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# 26017699, the most recent reported annual property tax for 715 Elm Street, St. Joseph, MI 49085 is $4,904 (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 715 Elm Street, St. Joseph, MI 49085 eligible for USDA financing?
Per USDA Rural Development boundary data, 715 Elm 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, 715 Elm 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$2,199
Principal & interest$2,199
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
715 Elm Street, St. Joseph, MI 49085
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Municipality
St Joseph
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