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3871 E Main St, Benton Harbor, MI, 49022

2beds
1baths
625sqft
$89,500
$143price/sqft
$795/moest. monthly cost
$31,800/yrincome needed

About This Home

Super location. Extremely low traffic, 25 mph, short street out front. Welcome to the small community of Riverside. P,O, Box at Riverside Post Office is an option for owner. Tax records show 576 sq. ft. Correct square footage is 625. Short drive to Lake Michigan, public beaches are only 1 mile or less from subject. Basement could easily be finished for extra bedroom and den. 5inch Water Well installed in front yard in 2017. Winterized, Electric is off.

Getting Around

16
WalkingCar-Dependent
0
TransitVery Limited Transit
28
BikeSomewhat Bikeable

Schools

8/10
Riverside SchoolGrades PK-80.7 mi

Construction

Condition

  • Year built: 1955

Materials

  • Roof: Asphalt,Shingle
  • Construction materials: Vinyl Siding

Type & Style

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

Interior

Appliances

  • Laundry features: Electric Dryer Hookup,Gas Dryer Hookup,In Basement,Washer Hookup

Basement

  • Basement: Full

Bedroom2

  • Level: Main
  • Area: 72
  • Dimensions: 8.00 x 9.00

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 1
  • Full bathrooms: 1
  • Main level bedrooms: 2

Features

  • Eat-in Kitchen
  • Window features: Replacement
  • Flooring: Wood
  • Finished area below ground: 0

Heating & Cooling

  • Heating features: Forced Air
  • Cooling features: Window Unit(s)

Interior Area

  • Total structure area: 625
  • Total interior livable area: 625 sqft

Kitchen

  • Level: Main
  • Area: 90
  • Dimensions: 9.00 x 10.00

Living Room

  • Level: Main
  • Area: 156
  • Dimensions: 12.00 x 13.00

Master Bedroom

  • Level: Main
  • Area: 90
  • Dimensions: 9.00 x 10.00

Property

Details

  • Parcel number: 111000270036031
  • Zoning description: 401 RES

Features

  • Stories: 1

Lot

  • Lot size: 7,405 sqft
  • Features: Level
  • Lot size dimensions: 60 x 124

Parking

  • Total spaces: 1
  • Parking features: Detached
  • 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
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Cold Wave
Hail
Strong Wind
Tornado
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 $452$5,424
Home Insurance *$79$948
Property Taxes $76$912
Electricity $188$2,259
Total$795$9,540
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$27,257/yr
40% on housing$23,850/yr
45% on housing$21,200/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

$143This listing

vs Other Active Listings

Avg $/sqft

ZIP 49022$163
Berrien County$246

vs Homes Sold Last Month

Median $/sqft

ZIP 49022$111
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)

No zestimate history available

Price History

DateEventPrice
2026-05-05Price change$92,000
2026-04-13Price change$95,000
2026-03-20Price change$99,500
2026-03-02Listed for sale$104,900

For Sale by Agent

AgentR.Scott Neumann
BrokerageSunrise Real Estate, Inc.

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