Sold
851 Kingsley Avenue, St. Joseph, MI 49085
Sold on 05/04/2026 for$360,000
MLS # 25061654 (Michigan Regional Information Center (MichRIC))
4 beds3 baths2,462 sqftBuilt 19490.13 acres
1 / 20
Listing Description
Discover this newly remodeled home that blends modern updates with classic character. The main level features two comfortable bedrooms and a freshly updated full bathroom with clean, contemporary finishes. The kitchen stands out with bold navy-and-white cabinetry, quartz countertops, geometric paneling, and sleek stainless steel accents. The fully finished basement adds outstanding flexibility, offering a large third bedroom with egress, a spacious full bathroom, and a dedicated laundry area with washer, dryer, and folding shelves. Two additional finished rooms create perfect options for a family room, office, gym, or playroom. Above the garage, a private bonus living suite offers even more potential, complete with its own full bathroom and exterior entrance, great for guests, in-laws, or rental opportunities.
Source: SparkMLS
About this home
4-bedroom, 3-bath, 2,462 sq ft home in St Joseph in St. Joseph built in 1949.
Closed at $360,000 (about $146/sq ft).
Estimated annual property tax: $1,912, or about $159 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. Fiber internet is available at this address with download speeds up to 5,000 Mbps across 10 providers.
Listing Property Details
Property TypeResidential
Property SubtypeSingle Family Residence
Bedrooms4
Bathrooms3
Living Area2,462 sqft
Lot Size0.13 acres
Year Built1949
Stories2
Location
CitySt. Joseph
MunicipalitySt. Joseph City
Zip Code49085
CountyBerrien
School DistrictSt. Joseph
Construction & Systems
StyleCape Cod
ConstructionHardiPlank Type, Vinyl Siding
BasementFull
Garage1 space
HeatingForced Air
WaterPublic
SewerPublic
UtilitiesElectricity Available, Natural Gas Connected, High-Speed Internet
InteriorGarage Door Opener, Guest Quarters, Eat-in Kitchen
Sale & Financing
Listed12/10/2025
Sold Date5/3/2026
Original Price$399,500
Terms AcceptedCash, FHA, Conventional
Concessions$5,000
Source: SparkMLS
Tax Information
Annual Tax$1,912
Tax Year2024
Assessed Value$135,245
Parcel #11-76-3060-0063-00-1
Source: SparkMLS
Legal Description
LOT 63 HIGHCLIFFE TERRACE NO 1 PRT OF UNIV LOTS 67 68 77 & 78 SEC 26 T4S R19W
Property Records
FEMA Flood Zone: Zone X — Minimal flood risk
Source: FEMA NFHLUSDA Rural Development: Not Eligible
Verify eligibility at USDAListed by Michael Giannola
Giannola Realty Group
Frequently Asked Questions about 851 Kingsley Avenue, St. Joseph, MI 49085
Which school district serves 851 Kingsley Avenue, St. Joseph, MI 49085?
Per MLS# 25061654, 851 Kingsley Avenue, 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# 25061654, this listing accepts Cash, FHA, Conventional financing. FHA financing can offer lower down payment requirements for qualified buyers. Financing acceptance is subject to change — confirm with the listing agent.
What are the property taxes at 851 Kingsley Avenue, St. Joseph, MI 49085?
Per public tax records, annual property taxes for this property are $1,912 (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, 851 Kingsley Avenue, 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 851 Kingsley Avenue, 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 851 Kingsley Avenue, St. Joseph, MI 49085. The maximum advertised download speed is 5.0 Gbps. 10 internet providers serve this address. Confirm availability and speeds directly with providers.
What utilities serve 851 Kingsley Avenue, 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.
Loading map...
Mortgage Calculator
$
%
$
$
$
Monthly payment$2,399
Principal & interest$2,399
Estimate only. Does not include PMI or other fees. Consult a lender for exact rates.
Internet
FiberDownload
5 Gbps
Upload
5 Gbps
FiberCableLicensed Fixed WirelessGSO SatelliteUnlicensed Fixed WirelessSatelliteDSL
10 providers at this address
AT&TFiber
5 GbpsXfinityCable
1.2 GbpsVerizonLicensed Fixed Wireless
300 MbpsStarlinkGSO Satellite
280 MbpsMercury FiberUnlicensed Fixed Wireless
150 MbpsAT&TLicensed Fixed Wireless
100 MbpsViasat IncSatellite
100 MbpsAT&TDSL
75 MbpsHughesNetSatellite
50 MbpsT-MobileLicensed Fixed Wireless
25 MbpsFCC 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
851 Kingsley Avenue, St. Joseph, MI 49085
View full property history →
Municipality
St Joseph
View all listings →
Get email alerts for new listings near 851 Kingsley Avenue
We'll notify you when something hits the market in St Joseph or nearby.
Munro Real Estate · MI Broker #6502405404 · No spam, one-click unsubscribe.