Under Contract
862 Saint Joseph Street, South Haven, MI 49090
$499,900
MLS # 26030482 (Michigan Regional Information Center (MichRIC))
3 beds2 baths1,489 sqftBuilt 19000.16 acres
1 / 39
Listing Description
Charming 3 bedroom, 2-bath home in a great South Haven location - near Kids' Corner and the Blue Stairs beach access to Lake Michigan. Enjoy the covered front porch, perfect for relaxing after a day at the beach. The nice backyard offers space for outdoor entertaining, gardening, and recreation. The large driveway provides ample off-street parking for guests, boats, or recreational vehicles. The detached 2-car garage offers excellent storage for vehicles, beach gear, bikes, and more. The property includes a Class II rental permit (previously known as a Personal license), allowing up to 6 rental terms or 28 rental days per calendar year. Close to downtown shopping, dining, and all that South Haven has to offer.
Source: SparkMLS
About this home
This 3-bedroom, 2-bath, 1,489 sq ft home built in 1900 sits in South Haven in South Haven.
Listed at $499,900 (about $336/sq ft).
Property tax estimate: $5,478 per year ($457/month). Estimate is based on county assessor records and current millage rates; actual tax may vary with PRE status and recent assessment changes.
Electric service is provided by City of South Haven; natural gas by Michigan Gas Utilities Corporation.
Listing Property Details
Property TypeResidential
Property SubtypeSingle Family Residence
Bedrooms3
Bathrooms2
Living Area1,489 sqft
Lot Size0.16 acres
Year Built1900
Stories2
Location
CitySouth Haven
MunicipalitySouth Haven City
Zip Code49090
CountyVan Buren
School DistrictSouth Haven
Construction & Systems
StyleTraditional
ConstructionVinyl Siding
BasementMichigan Basement
Garage2 spaces
HeatingForced Air
WaterPublic
SewerPublic
UtilitiesNatural Gas Connected, Storm Sewer
InteriorCeiling Fan(s), Center Island, Eat-in Kitchen
Sale & Financing
Listed6/18/2026
Terms AcceptedCash, Conventional
Source: SparkMLS
Tax Information
Annual Tax$7,325
Tax Year2025
State Equalized Value$170,700
Taxable Value$116,145
Assessed Value$122,978
Homestead (PRE)100%
Parcel #80-53-102-012-20
Source: Public Records
Legal Description
A544 1-17 590-374 1344-104 1538-876 1652-694 * COM ON W L OF ST JOSEPH ST 103.46 FT S OF SE COR OF LOT 9, BLOCK 2, TH S ON SAID ST 50 FT, TH W 138 FT, TH N 50 FT, TH E 138 FT TO BEG. BLOCK 2 ELKENBURGH'S ADDITION.
Property Records
FEMA Flood Zone: Zone X — Minimal flood risk
Source: FEMA NFHLUSDA Rural Development: Eligible — 0% Down Payment Available
Verify eligibility at USDAListed by LeAnn Johnson
Cottage Home Realty
Frequently Asked Questions about 862 Saint Joseph Street, South Haven, MI 49090
What school district is 862 Saint Joseph Street, South Haven, MI 49090 in?
Per MLS# 26030482, this property is served by South Haven. 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# 26030482, 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# 26030482, the most recent reported annual property tax for 862 Saint Joseph Street, South Haven, MI 49090 is $7,325 (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 862 Saint Joseph Street, South Haven, MI 49090 eligible for USDA financing?
Per USDA boundary maps, this property is located in a USDA-eligible area, which means qualified buyers may be able to finance with 0% down through the USDA Rural Development program. Confirm current eligibility directly with USDA.
What is the FEMA flood zone designation for this property?
Per FEMA's National Flood Hazard Layer, 862 Saint Joseph Street, South Haven, MI 49090 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: City of South Haven. 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 South Haven City police department or the Van Buren County sheriff's office.
Map
Tax Estimate
$
Annual tax$5,478
Monthly$457
Millage rate32.0891 mills
Municipality: City of South Haven
School district: SOUTH HAVEN PUBLIC SCHOOLS
County: Van Buren
Estimate based on SEV for a new buyer (taxable value resets to SEV on transfer). Actual taxes may vary. MI Treasury PT Estimator
Mortgage Calculator
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Monthly payment$3,699
Principal & interest$3,242
Property taxes$457
Estimate only. Does not include PMI or other fees. Consult a lender for exact rates.
Utilities
City of South Haven
Municipal
Michigan Gas Utilities Corporation
Investor-Owned
MI Public Service Commission service territory boundaries.
Property
862 Saint Joseph Street, South Haven, MI 49090
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Municipality
South Haven
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