Sold
810 Hoyt Street, St. Joseph, MI 49085
Sold on 05/21/2026 for$220,000
MLS # 26011701 (Michigan Regional Information Center (MichRIC))
3 beds1 bath1,021 sqftBuilt 19200.05 acres
1 / 30
Listing Description
Charming 3-bedroom bungalow in the City of St. Joseph! Ideally located less than a mile from beautiful Lake Michigan beaches and downtown St. Joseph, where you'll enjoy shopping, dining, festivals, and year-round activities. This inviting home features a newer kitchen with updated appliances, newer windows for improved efficiency, and a recently waterproofed basement (2024) for added peace of mind. A new water heater adds even more value and convenience. Whether you're looking for a full-time residence, vacation getaway, or investment opportunity, this well-maintained home offers comfort, location, and lifestyle all in one!
Source: SparkMLS
About this home
3-bedroom, 1-bath, 1,021 sq ft home in St Joseph in St. Joseph built in 1920.
Final sale price: $220,000 (about $215/sq ft).
Annual property taxes run approximately $4,683 ($390/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
Bedrooms3
Bathrooms1
Living Area1,021 sqft
Lot Size0.05 acres
Year Built1920
Stories1
Location
CitySt. Joseph
MunicipalitySt. Joseph City
Zip Code49085
CountyBerrien
School DistrictSt. Joseph
Construction & Systems
ConstructionVinyl Siding
BasementMichigan Basement, Partial
HeatingForced Air
WaterPublic
SewerPublic
UtilitiesNatural Gas Available, Electricity Available, Cable Available, Natural Gas Connected
InteriorBroadband
Sale & Financing
Listed3/24/2026
Sold Date5/20/2026
Terms AcceptedCash, Conventional
Concessions$2,500
Source: SparkMLS
Tax Information
Annual Tax$4,683
Tax Year2025
Assessed Value$102,400
Parcel #11-76-3750-0006-01-2
Source: SparkMLS
Legal Description
THE SELY 32'OF LOT 6 JORDANS SUB OF BLK 57 HOYT'S ADD TO CITY OF ST JOSEPH WHOSE NWLY BDY IS PAR TO SELY BDY OF SD LOT 6
Property Records
FEMA Flood Zone: Zone X — Minimal flood risk
Source: FEMA NFHLUSDA Rural Development: Not Eligible
Verify eligibility at USDAListed by Ben Stephen
Cressy & Everett Real Estate
Frequently Asked Questions about 810 Hoyt Street, St. Joseph, MI 49085
What school district is 810 Hoyt Street, St. Joseph, MI 49085 in?
Per MLS# 26011701, 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# 26011701, 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# 26011701, the most recent reported annual property tax for 810 Hoyt Street, St. Joseph, MI 49085 is $4,683 (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 810 Hoyt Street, St. Joseph, MI 49085 eligible for USDA financing?
Per USDA Rural Development boundary data, 810 Hoyt 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, 810 Hoyt 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$1,459
Principal & interest$1,459
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
810 Hoyt Street, St. Joseph, MI 49085
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Municipality
St Joseph
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