For Sale
948 Whitwam Drive, St. Joseph, MI 49085
$814,900
MLS # 26026977 (Michigan Regional Information Center (MichRIC))
4 beds3 baths2,357 sqftBuilt 2018
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Listing Description
A rare opportunity in St. Joseph! This home checks all the boxes with a spacious primary suite, main-floor laundry, an attached garage and zero projects. This space is larger than most neighboring units and the home is tastefully finished in neutral tones with abundant natural light and a move-in ready design. Ideal as a primary residence, vacation getaway, or investment property with short-term rental potential. The open-concept great room features a gas fireplace, island seating, dining space, a cozy sitting room and easy access to the private patio--perfect for entertaining. Upstairs offers 3 oversized bedrooms with walk-in closets plus a loft for additional living space. Enjoy minimal shared walls, clubhouse, pool and a prime location near downtown St. Joseph. Access to the Harbor Shores marina, miles of walking trails along the golf course and close to the Paw Paw River kayak launch. Within 2 miles of Jean Klock, Tiscornia, and Silver Beach.
Source: SparkMLS
About this home
4-bedroom, 3-bath, 2,357 sq ft home in Benton Harbor in St. Joseph built in 2018.
Asking $814,900 (about $346/sq ft).
Estimated annual property tax: $11,362, or about $947 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 SubtypeCondominium
Bedrooms4
Bathrooms3
Living Area2,357 sqft
Year Built2018
Stories2
Location
CitySt. Joseph
MunicipalitySt. Joseph City
Zip Code49085
CountyBerrien
School DistrictSt. Joseph
Construction & Systems
StyleTraditional
ConstructionHardiPlank Type
BasementCrawl Space
Garage2 spaces
HeatingForced Air
WaterPublic
SewerPublic
InteriorCenter Island
Sale & Financing
Listed6/3/2026
Terms AcceptedCash, FHA, VA Loan, Conventional
HOA
HOA Fee$385 / Monthly
IncludesSnow Removal, Lawn/Yard Care
Source: SparkMLS
Tax Information
Annual Tax$11,362
Tax Year2025
Assessed Value$240,975
Parcel #11-76-2983-0008-00-0
Source: SparkMLS
Legal Description
See Title Commitment
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 Kelly Arellano Mawhinney
Cressy & Everett Real Estate
Frequently Asked Questions about 948 Whitwam Drive, St. Joseph, MI 49085
What school district is 948 Whitwam Drive, St. Joseph, MI 49085 in?
Per MLS# 26026977, 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 type of financing is accepted for this listing?
Per MLS# 26026977, the seller has indicated this property accepts the following financing types: Cash, FHA, VA Loan, Conventional. FHA financing can offer lower down payment requirements for qualified buyers. Financing acceptance is subject to change — confirm with the listing agent.
How much are property taxes for this home?
Per MLS# 26026977, the most recent reported annual property tax for 948 Whitwam Drive, St. Joseph, MI 49085 is $11,362 (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 948 Whitwam Drive, 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, 948 Whitwam Drive, St. Joseph, MI 49085 is in flood zone AE (high risk). 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.
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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Mortgage Calculator
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Monthly payment$5,670
Principal & interest$5,285
HOA$385
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
948 Whitwam Drive, St. Joseph, MI 49085
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Municipality
Benton Harbor
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