For Sale
820 Sailors Way, St. Joseph, MI 49085
$815,000
MLS # 26036051 (Michigan Regional Information Center (MichRIC))
3 beds3 baths1,810 sqftBuilt 2026
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Listing Description
Brand-New Harbor Village Townhome under construction ideally located overlooking the Harbor Village Marina! This beautifully designed 3-bedroom, 3-bath townhome offers 1810 sq. ft. of thoughtfully planned living space with scenic views of the St. Joseph River and marina from the private balcony and welcoming front porch. Enjoy a premier waterfront lifestyle just minutes from Lake Michigan beaches, the Jack Nicklaus Signature Golf Course, walking and biking trails, kayaking, restaurants, shopping, and downtown St. Joseph. Harbor Village amenities include an outdoor swimming pool, clubhouse, and beautifully maintained grounds. Whether you're looking for a full-time residence or a seasonal getaway, this exceptional new construction townhome offers the perfect blend of luxury, convenience, and coastal living.
Source: SparkMLS
About this home
Located in Benton Harbor in St. Joseph, this property offers 3-bedroom, 3-bath, 1,810 sq ft, with original construction dating to 2026.
Currently offered at $815,000 (about $450/sq ft).
Annual property taxes run approximately $634 ($53/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 SubtypeCondominium
Bedrooms3
Bathrooms3
Living Area1,810 sqft
Year Built2026
Stories3
Location
CitySt. Joseph
MunicipalitySt. Joseph City
Zip Code49085
CountyBerrien
School DistrictSt. Joseph
Construction & Systems
ConstructionHardiPlank Type
BasementCrawl Space
Garage2 spaces
HeatingForced Air
WaterPublic
SewerPublic
Sale & Financing
Listed7/14/2026
Terms AcceptedCash, Conventional
HOA
HOA Fee$380 / Monthly
IncludesSnow Removal, Lawn/Yard Care
Source: SparkMLS
Tax Information
Annual Tax$634
Tax Year2026
Assessed Value$11,114
Parcel #11-76-2984-0017-00-0
Source: SparkMLS
Legal Description
UNIT 17 HARBOR VILLAGE AT HARBOR SHORES TOWNHOMES II CONDOMINIUM
Property Records
FEMA Flood Zone: Zone AE — 100-year floodplain
Flood insurance required for federally backed mortgages
Source: FEMA NFHLUSDA Rural Development: Eligible — 0% Down Payment Available
Verify eligibility at USDAListed by Kerry M Wright
Wright Properties
Frequently Asked Questions about 820 Sailors Way, St. Joseph, MI 49085
Which school district serves 820 Sailors Way, St. Joseph, MI 49085?
Per MLS# 26036051, 820 Sailors Way, 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.
Can I use FHA or VA financing for this property?
Per MLS# 26036051, this listing accepts Cash, Conventional financing. Financing acceptance is subject to change — confirm with the listing agent.
What are the property taxes at 820 Sailors Way, St. Joseph, MI 49085?
Per public tax records, annual property taxes for this property are $634 (2026). 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, 820 Sailors Way, St. Joseph, MI 49085 is in an eligible area. USDA RD loans offer 0% down payment for qualified buyers. Verify current eligibility at the USDA eligibility site, as boundaries are updated periodically.
Is 820 Sailors Way, St. Joseph, MI 49085 in a flood zone?
Per FEMA flood maps, this property is designated as Zone AE, a high-risk flood area. Flood insurance is required for federally-backed mortgages in this zone. FEMA flood maps are updated periodically — verify the current designation at msc.fema.gov.
What utilities serve 820 Sailors Way, 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.
Map
Mortgage Calculator
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Monthly payment$5,666
Principal & interest$5,286
HOA$380
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
820 Sailors Way, St. Joseph, MI 49085
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Municipality
Benton Harbor
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