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2349 Riverside Pointe Dr, Saint Joseph, MI, 49085

5beds
5baths
4,105sqft
$895,000
$218price/sqft
$6,112/moest. monthly cost
$244,480/yrincome needed

About This Home

Spacious contemporary home on the St. Joseph River w/ a private boat slip steps from your front door. Embrace the charm of Southwest Michigan waterfront living in your new home, w/ a massive deck ideal for relaxing, entertaining, and taking in the peaceful river views. Thoughtfully designed to bring the outdoors in, this home offers abundant natural light and pristine water views throughout. Main level features a primary suite w/ direct access to the back deck--an ideal spot to enjoy relax by the river. Upstairs, you'll find a second primary suite w/ a generous bath and private balcony, along w/ three additional spacious bedrooms. Open-concept living room w/ gas fireplace flows into a large kitchen w/ center island and ample cabinetry. A stunning dining room w/ 18-ft ceilings overlooks the water creating a warm and inviting gathering space. Upper-level great room w/ wet bar overlooking the marina offers even more space to unwind and entertain. Here you can truly enjoy the convenience of waterfront living and boating, all from the convenience of your own home.

Getting Around

19
WalkingCar-Dependent
0
TransitVery Limited Transit
35
BikeSomewhat Bikeable

Schools

8/10
Lincoln SchoolGrades PK-51.3 mi
9/10
Upton Middle SchoolGrades 6-81.8 mi
9/10
St. Joseph High SchoolGrades 9-121.3 mi

Construction

Condition

  • Year built: 1995

Materials

  • Roof: Composition
  • Construction materials: Stone

Type & Style

  • Home type: SingleFamily
  • Architectural style: Contemporary
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Cooktop,Dishwasher,Disposal,Double Oven,Dryer,Microwave,Refrigerator,Washer
  • Laundry features: Laundry Room,Main Level,Sink

Basement

  • Basement: Partial

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 5
  • Full bathrooms: 4
  • 1/2 bathrooms: 1
  • Main level bedrooms: 1

Features

  • Ceiling Fan(s),Wet Bar,Center Island,Eat-in Kitchen,Pantry
  • Window features: Window Treatments
  • Flooring: Ceramic Tile
  • Number of fireplaces: 1
  • Fireplace features: Gas Log,Living Room
  • Fireplace: Yes
  • Finished area below ground: 0

Heating & Cooling

  • Heating features: Forced Air
  • Cooling features: Central Air

Interior Area

  • Total structure area: 4,105
  • Total interior livable area: 4,105 sqft

Property

Details

  • Parcel number: 111868900025016

Features

  • Stories: 2
  • On waterfront: Yes
  • Waterfront features: River
  • Waterbody name: Saint Joseph River

Lot

  • Lot size: 7,840 sqft
  • Lot size dimensions: irreg.

Parking

  • Total spaces: 2
  • Parking features: Garage Faces Front,Attached
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Cold Wave
    Cold WaveModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Cold Wave
Strong Wind
Winter Weather
Tsunami

FEMA Declared Disasters in Berrien County and Michigan

Severe Ice Storm
Winter Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $4,525$54,300
Home Insurance *$380$4,560
Property Taxes $760$9,120
Electricity $447$5,373
Total$6,112$73,344
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$209,554/yr
40% on housing$183,360/yr
45% on housing$162,986/yr

Michigan FAIR Plan Programs

Michigan Basic Property Insurance Association

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 15,981Commercial: 293
Total Premiums$13.85M
Total Exposure$2.60B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 5.8%
5.8%
0%30.0%
Electricity Growth Rate10-year average: 3.9%
3.9%
0%15.0%
Property Taxes Growth Rate2-year average: 0.0%
0.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$218This listing

vs Other Active Listings

Avg $/sqft

ZIP 49085$240
Berrien County$245

vs Homes Sold Last Month

Median $/sqft

ZIP 49085$194
Berrien County$175

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-04-22Listed for sale$995,000
2021-01-13Sold$617,000
2020-11-09Pending sale$649,000
2020-10-26Price change$649,000
2020-03-03Listed for sale$649,900
2019-12-18Listing removed$674,000
2019-07-26Price change$674,000
2019-03-04Listed for sale$699,000
2019-01-11Listing removed$699,000
2018-10-29Price change$699,000
2018-08-29Listed for sale$739,000

For Sale by Agent

AgentBen Stephen
BrokerageCressy & Everett Real Estate

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