For Sale
974 Emerson Avenue, Benton Harbor, MI 49022
$199,500
MLS # 26026610 (Michigan Regional Information Center (MichRIC))
4 beds2 baths1,440 sqftBuilt 19660.27 acres
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Listing Description
Land & Comfort Bundled Together! Welcome to this spacious 4-bedroom, 2-bath ranch home situated on a generous property in Benton Harbor! Offering over 1,400 square feet of living space and an additional adjoining lot included in the sale, this property provides endless possibilities for homeowners, hobbyists, investors, or anyone looking for extra room to grow. Inside, you'll find a large kitchen with ample cabinet space, updated appliances, and an open layout perfect for gathering with family and friends. The home features multiple living areas, spacious bedrooms, and two full bathrooms, providing flexibility for a variety of living arrangements. Step outside and enjoy the expansive yard with room for gardening, outdoor entertaining, recreational activities, future outbuildings, or simply enjoying the privacy and open space. The included additional lot creates a unique opportunity rarely found at this price point. Conveniently located near shopping, schools, and local amenities.
Source: SparkMLS
About this home
Located in Benton Township in Benton Harbor, this property offers 4-bedroom, 2-bath, 1,440 sq ft, with original construction dating to 1966.
Currently offered at $199,500 (about $139/sq ft).
Annual property taxes run approximately $1,347 ($112/month). 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
Bedrooms4
Bathrooms2
Living Area1,440 sqft
Lot Size0.27 acres
Year Built1966
Stories1
Location
CityBenton Harbor
MunicipalityBenton Charter Twp
Zip Code49022
CountyBerrien
School DistrictBenton Harbor
Construction & Systems
StyleRanch
ConstructionAluminum Siding, Wood Siding
BasementCrawl Space
HeatingForced Air
WaterWell
SewerSeptic Tank
UtilitiesCable Available
InteriorEat-in Kitchen
Sale & Financing
Listed6/2/2026
Original Price$215,000
Terms AcceptedCash, FHA, VA Loan, MSHDA, Conventional
Source: SparkMLS
Tax Information
Annual Tax$1,347
Tax Year2024
Assessed Value$42,983
Parcel #11-03-8590-0001-00-7
Source: SparkMLS
Legal Description
LOT 1 WESTBROOK
Property Records
FEMA Flood Zone: Zone X — Minimal flood risk
Source: FEMA NFHLUSDA Rural Development: Not Eligible
Verify eligibility at USDAListed by Antone Hines
Epique Realty
Frequently Asked Questions about 974 Emerson Avenue, Benton Harbor, MI 49022
What school district is 974 Emerson Avenue, Benton Harbor, MI 49022 in?
Per MLS# 26026610, this property is served by Benton Harbor. 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# 26026610, the seller has indicated this property accepts the following financing types: Cash, FHA, VA Loan, MSHDA, 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# 26026610, the most recent reported annual property tax for 974 Emerson Avenue, Benton Harbor, MI 49022 is $1,347 (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.
Is 974 Emerson Avenue, Benton Harbor, MI 49022 eligible for USDA financing?
Per USDA Rural Development boundary data, 974 Emerson Avenue, Benton Harbor, MI 49022 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.
What is the FEMA flood zone designation for this property?
Per FEMA's National Flood Hazard Layer, 974 Emerson Avenue, Benton Harbor, MI 49022 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: Septic Tank. Water: Well. Confirm service details directly with providers.
How safe is this area?
For crime and public safety data, we recommend inquiring directly with the Benton Charter Twp police department or the Berrien County sheriff's office.
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Monthly payment$1,294
Principal & interest$1,294
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
974 Emerson Avenue, Benton Harbor, MI 49022
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Municipality
Benton Township
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