For Sale
907 Napier Avenue, St. Joseph, MI 49085
$264,000
MLS # 20261038277 (Realcomp)
2 beds1 bath1,894 sqftBuilt 19410.16 acres
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Listing Description
You're going to fall in love with this 2 Bedroom/1 Bath charmer in the heart of St. Joseph. Enjoy 950 sq.ft. of living area on the Main Level, plus another 800+ sq.ft. in the finished Basement. (There's even a ready-to-finish second floor you could easily convert into a fabulous Bedroom+Bath Suite, Music Studio, you name it.)Main Floor features a 24' x 14' Living Room with a dramatic bank of windows facing front/south; large dine-in Kitchen; two nice sized Bedrooms; and a remodeled full Bath. Plenty of natural light and fresh air flow on the main level with large windows facing in two directions in every main floor room (except bath).The finished Basement has a huge L-shaped Rec Room (laundry at one end), plus a separate Workshop/Storage Room. Glass block windows on all four sides.This house was completely updated & remodeled in 2022 with new carpeting, laminate and tile floor coverings, kitchen refresh, total bath remodel, fresh paint throughout (interior and exterior), basement remodel, and brand new A/C unit. All kitchen & laundry appliances added since 2022 and are included.Green lawn with front patio shaded by a permanent awning (also cools the house), as well as a big rear patio. Driveway leads to 2.5 car detached garage in the back with extra pull-out parking.Prime location is only 1.5 miles to Lions Park Beach, 2 miles to Downtown & Silver Beach, and just blocks from all the retail along Niles Ave.Accelerated closing and possession possible.
Source: SparkMLS
About this home
2-bedroom, 1-bath, 1,894 sq ft home in St Joseph in St. Joseph built in 1941.
Currently offered at $264,000 (about $139/sq ft).
Estimated annual property tax: $3,449, or about $287 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.
Listing Property Details
Property TypeResidential
Property SubtypeSingle Family Residence
Bedrooms2
Bathrooms1
Living Area1,894 sqft
Lot Size0.16 acres
Year Built1941
Stories3
Location
CitySt. Joseph
Zip Code49085
CountyBerrien
School DistrictSt. Joseph
Construction & Systems
ConstructionVinyl Siding
Garage2 spaces
HeatingForced Air, Other
WaterPublic
SewerPublic
InteriorBasement Finished, Humidifier
Sale & Financing
Listed5/25/2026
Original Price$269,000
Terms AcceptedCash, Conventional, FHA, VA Loan
Source: SparkMLS
Tax Information
Annual Tax$3,449
Parcel #117686000006009
Source: SparkMLS
Legal Description
LOT 6 W L WILSON SUBDN PT OF UNIV LOTS 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 Steve Koleno
Beycome Brokerage Realty LLC
Frequently Asked Questions about 907 Napier Avenue, St. Joseph, MI 49085
Which school district serves 907 Napier Avenue, St. Joseph, MI 49085?
Per MLS# 20261038277, 907 Napier 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.
Can I use FHA or VA financing for this property?
Per MLS# 20261038277, this listing accepts Cash, Conventional, FHA, VA Loan 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 907 Napier Avenue, St. Joseph, MI 49085?
Per public tax records, annual property taxes for this property are $3,449. 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, 907 Napier 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 907 Napier 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 utilities serve 907 Napier 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 local police department or county sheriff's office.
Map
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Monthly payment$1,712
Principal & interest$1,712
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
907 Napier Avenue, St. Joseph, MI 49085
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Municipality
St Joseph
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