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119 E Water St, New Buffalo, MI, 49117

3beds
2baths
1,571sqft
$775,000
$493price/sqft
$4,928/moest. monthly cost
$197,120/yrincome needed

About This Home

Positioned in one of New Buffalo's most coveted harbor-front locations, this impeccably maintained, turnkey end-unit residence captures sweeping harbor views while placing the very best of Harbor Country just outside your door. Overlooking Harbor Landing Marina, you're only moments from Lake Michigan's sandy beaches, boutique shopping, acclaimed restaurants, and the charm of downtown New Buffalo. Inside, three beautifully finished levels offer inviting spaces for gathering and entertaining. The living room is anchored by a fireplace, while the finished lower level provides exceptional flexibility for guests, recreation, or additional sleeping accommodations. Expansive windows frame the harbor, and private outdoor living spaces—including a balcony overlooking the marina—provide the perfect backdrop for morning coffee, sunset views, and watching boats come and go. A remarkable opportunity to experience the very best of New Buffalo living. Association amenities include a private outdoor pool and lawn care. Whether you're seeking a full-time residence, a weekend escape from Chicago, or a property capable of generating income while you're away, this home offers one of New Buffalo's most desirable harbor-side lifestyles.

Getting Around

47
WalkingCar-Dependent
0
TransitVery Limited Transit
46
BikeSomewhat Bikeable

Schools

8/10
9/10
7/10

Construction

Condition

  • Year built: 2000

Materials

  • Roof: Composition,Shingle
  • Construction materials: Wood Siding

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Microwave,Oven,Range,Refrigerator,Washer
  • Laundry features: In Unit,Laundry Room,Upper Level

Basement

  • Basement: Full

Bathroom1

  • Level: Upper
  • Area: 46.233
  • Dimensions: 9.90 x 4.67

Bathroom2

  • Level: Main
  • Area: 58.265
  • Dimensions: 5.42 x 10.75

Bedroom2

  • Level: Upper
  • Area: 140.777
  • Dimensions: 11.83 x 11.90

Bedroom3

  • Level: Basement
  • Area: 364.475
  • Dimensions: 15.25 x 23.90

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2

Dining Area

  • Level: Main
  • Area: 117.045
  • Dimensions: 12.75 x 9.18

Features

  • Ceiling Fan(s)
  • Window features: Insulated Windows
  • Flooring: Carpet,Engineered Hardwood,Tile,Wood
  • Number of fireplaces: 1
  • Fireplace features: Living Room
  • Fireplace: Yes
  • Finished area below ground: 436

Heating & Cooling

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

Interior Area

  • Total structure area: 1,135
  • Total interior livable area: 1,571 sqft

Kitchen

  • Level: Main
  • Area: 107.5
  • Dimensions: 10.00 x 10.75

Laundry

  • Level: Upper
  • Area: 34.0186
  • Dimensions: 6.58 x 5.17

Living Room

  • Level: Main
  • Area: 257.1975
  • Dimensions: 16.33 x 15.75

Master Bedroom

  • Level: Upper
  • Area: 212.5425
  • Dimensions: 12.75 x 16.67

Property

Details

  • Parcel number: 116226000007001
  • Zoning description: WFM

Features

  • Stories: 2
  • Private pool: Yes
  • Pool features: In Ground,Association
  • On waterfront: Yes
  • Waterfront features: Channel,River
  • Waterbody name: Galien River

Lot

  • Lot size: 0.70 Acres
  • Features: Corner Lot,Shrubs/Hedges
  • Lot size dimensions: condo

Parking

  • Total spaces: 1
  • Parking features: Garage Faces Front,Attached,Garage Door Opener
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1

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
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Cold Wave
Hail
Inland Flooding
Strong Wind
Tornado
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 $3,918$47,016
Home Insurance *$164$1,968
Property Taxes $658$7,896
Electricity $188$2,259
Total$4,928$59,136
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$168,960/yr
40% on housing$147,840/yr
45% on housing$131,413/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

$493This listing

vs Other Active Listings

Avg $/sqft

ZIP 49117$387
Berrien County$244

vs Homes Sold Last Month

Median $/sqft

ZIP 49117$458
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
2026-08-06Price change$745,000
2026-07-16Listed for sale$775,000
2017-08-10Sold$387,000
2016-09-01Listing removed$420,000
2015-02-18Price change$420,000
2014-05-29Listed for sale$435,000

For Sale by Agent

AgentElizabeth Roch
Brokerage@properties Christie's International R.E.

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