Under Contract
913 Wolcott Avenue, St. Joseph, MI 49085
$274,900
MLS # 26035103 (Michigan Regional Information Center (MichRIC))
2 beds1 bath798 sqftBuilt 19250.11 acres
1 / 42
Listing Description
Charming Cottage Minutes to Lake Michigan. Fall in love with this fully furnished beach cottage with 2 beds/1bath and just minutes from beaches, downtown St. Joseph, and Kiwanis Park! Bright, cheerful interiors feature warm bamboo hardwood floors, a sunny yellow living area, and a stylish kitchen with butcher block counters, white cabinetry, and stainless appliances. A cozy mudroom off the kitchen adds charm and function. The updated bathroom boasts a clawfoot style soaking tub, pedestal sink, and coastal touches throughout. Downstairs, an unfinished basement offers laundry, storage, and workout space. Outside, the fully fenced backyard is a private retreat with a spacious deck, wood privacy screens, a fire pit, and lush garden beds, plus a detached 2 car garage with alley access. Whether you're looking for a weekend getaway or full-time coastal living, this move-in-ready gem checks every box. Don't miss your chance to live the lake life!
Source: SparkMLS
About this home
This 2-bedroom, 1-bath, 798 sq ft home built in 1925 sits in St Joseph in St. Joseph.
Asking $274,900 (about $344/sq ft).
Estimated annual property tax: $4,020, or about $335 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 Area798 sqft
Lot Size0.11 acres
Year Built1925
Stories1
Location
CitySt. Joseph
MunicipalitySt. Joseph City
Zip Code49085
CountyBerrien
School DistrictSt. Joseph
Construction & Systems
ConstructionAluminum Siding
BasementDaylight, Full
Garage2 spaces
HeatingForced Air
WaterPublic
SewerPublic
Sale & Financing
Listed7/9/2026
Terms AcceptedCash, Conventional
Source: SparkMLS
Tax Information
Annual Tax$4,020
Tax Year2026
Assessed Value$88,424
Parcel #11-76-0930-0044-00-5
Source: SparkMLS
Legal Description
LOT 44 F J BURKHARDS 4TH ADD TO CITY OF ST JOSEPH
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 Kerry M Wright
Wright Properties
Frequently Asked Questions about 913 Wolcott Avenue, St. Joseph, MI 49085
What school district is 913 Wolcott Avenue, St. Joseph, MI 49085 in?
Per MLS# 26035103, 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 financing options are available for 913 Wolcott Avenue, St. Joseph, MI 49085?
Per MLS# 26035103, 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# 26035103, the most recent reported annual property tax for 913 Wolcott Avenue, St. Joseph, MI 49085 is $4,020 (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.
Is 913 Wolcott Avenue, St. Joseph, MI 49085 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, 913 Wolcott Avenue, 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$1,783
Principal & interest$1,783
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
913 Wolcott Avenue, St. Joseph, MI 49085
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Municipality
St Joseph
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