Sold
809 Church Street, St. Joseph, MI 49085
Sold on 04/11/2025 for$253,000
MLS # 25003513 (Michigan Regional Information Center (MichRIC))
3 beds1 bath995 sqftBuilt 19200.1 acres
1 / 22
Listing Description
Right here in downtown St. Joseph offering you close and easy access to Silver Beach, restaurants, and shopping. This is a charming three-bedroom, one-bath bungalow with beautiful hardwood floors and craftsman-style wood trim throughout. Three-seasons front porch, new fencing in the spacious backyard which is perfect for entering. In 2022-2023 owners completed many significant home improvements such as a new roof and gutters, removed old chimney, new water heater new fence, interior painting, removed old trees and removed overgrown vegetation surrounding the house. And there is more!
Source: SparkMLS
About this home
Located in St Joseph in St. Joseph, this property offers 3-bedroom, 1-bath, 995 sq ft, with original construction dating to 1920.
Closed at $253,000 (about $254/sq ft).
Property tax estimate: $3,614 per year ($301/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. Fiber internet is available at this address with download speeds up to 5,000 Mbps across 8 providers.
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Listing Property Details
Property TypeResidential
Property SubtypeSingle Family Residence
Bedrooms3
Bathrooms1
Living Area995 sqft
Lot Size0.1 acres
Year Built1920
Stories1
Location
CitySt. Joseph
MunicipalitySt. Joseph City
Zip Code49085
CountyBerrien
School DistrictSt. Joseph
Construction & Systems
ConstructionAluminum Siding
BasementFull
Garage1 space
HeatingForced Air
WaterPublic
SewerPublic
UtilitiesPhone Available, Natural Gas Available, Electricity Available, Natural Gas Connected, Storm Sewer
InteriorBroadband, Garage Door Opener
Sale & Financing
Listed1/29/2025
Sold Date4/10/2025
Original Price$277,500
Terms AcceptedCash, Conventional
Source: SparkMLS
Tax Information
Annual Tax$3,614
Tax Year2024
Assessed Value$89,460
Parcel #11-76-0340-0400-01-3
Source: SparkMLS
Legal Description
THE SWLY 1/2 OF LOT 400 ORIGINAL PLAT OF CITY OF ST JOSEPH WHOSE NELY BDY IS PAR TO SWLY BDY OF SD LOT 400
Property Records
FEMA Flood Zone: Zone X — Minimal flood risk
Source: FEMA NFHLUSDA Rural Development: Not Eligible
Verify eligibility at USDAListed by Joy Schwarting
Century 21 Affiliated
Frequently Asked Questions about 809 Church Street, St. Joseph, MI 49085
Which school district serves 809 Church Street, St. Joseph, MI 49085?
Per MLS# 25003513, 809 Church Street, 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# 25003513, this listing accepts Cash, Conventional financing. Financing acceptance is subject to change — confirm with the listing agent.
What are the property taxes at 809 Church Street, St. Joseph, MI 49085?
Per public tax records, annual property taxes for this property are $3,614 (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, 809 Church 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.
Is 809 Church Street, 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 internet service is available at this address?
Per FCC Broadband Data Collection filings, fiber internet is available at 809 Church Street, St. Joseph, MI 49085. The maximum advertised download speed is 5.0 Gbps. 8 internet providers serve this address. Confirm availability and speeds directly with providers.
What utilities serve 809 Church Street, 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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Mortgage Calculator
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Monthly payment$1,748
Principal & interest$1,748
Estimate only. Does not include PMI or other fees. Consult a lender for exact rates.
Internet
FiberDownload
5 Gbps
Upload
5 Gbps
FiberCableGSO SatelliteDSLLicensed Fixed WirelessSatellite
8 providers at this address
FCC Broadband Data Collection (Dec 2025). Max advertised speeds.
Utilities
Indiana Michigan Power Company
Investor-Owned
Michigan Gas Utilities Corporation
Investor-Owned
MI Public Service Commission service territory boundaries.
Property
809 Church Street, St. Joseph, MI 49085
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Municipality
St Joseph
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