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624 Phoenix St, South Haven, MI, 49090

--beds
3baths
3,780sqft
$449,900
$119price/sqft
$3,343/moest. monthly cost
$133,720/yrincome needed

About This Home

Offered for the first time! A rare chance to own a true piece of South Haven's history. Originally built in 1917 as a church, this remarkable property blends timeless character, architectural charm, and exceptional potential in one of the city's most desirable locations. Set on an oversized lot near downtown shopping, restaurants, and the beach, opportunities like this are seldom available. Inside, the stunning main level offers 2,081sf highlighted by a beautiful sanctuary space filled with character including original wood and terrazzo flooring, rounded windows with transoms, and solid wood doors and railings. The finished lower level adds an additional 1,699sf with two bathrooms and a walkout entrance, creating flexibility for a variety of future uses. With 3,780sf total finished square feet and 3 bathrooms, the layout offers a rare opportunity to restore, repurpose, or reimagine a truly unique space. Recent updates include new roof, masonry work, and parking lot resurfacing

Getting Around

71
WalkingVery Walkable
0
TransitVery Limited Transit
62
BikeBikeable

Schools

7/10
Lincoln ElementaryGrades PK-30.8 mi
5/10
Baseline Middle SchoolGrades 6-81.4 mi
4/10
South Haven High SchoolGrades 9-120.8 mi

Construction

Condition

  • Year built: 1917

Materials

  • Roof: Composition
  • Construction materials: Stucco

Type & Style

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

Interior

Appliances

  • Laundry features: None

Basement

  • Has basement: Yes
  • Basement: Full,Walk-Out Access

Bedrooms & Bathrooms

  • Bathrooms: 3
  • 1/2 bathrooms: 3

Features

  • Flooring: Carpet,Other,Wood
  • Finished area below ground: 1,699

Heating

  • Heating features: Hot Water

Interior Area

  • Total structure area: 2,081
  • Total interior livable area: 3,780 sqft

Property

Details

  • Parcel number: 805350200100
  • Zoning description: R1-B

Features

  • Stories: 1
  • Waterfront features: Lake
  • Waterbody name: Lake Michigan

Lot

  • Lot size: 0.29 Acres
  • Features: Corner Lot,Shrubs/Hedges
  • Lot size dimensions: 117 x 108

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

  • Hail
    HailRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Hail
Strong Wind
Inland Flooding
Ice Storm
Tornado
Winter Weather
Tsunami

FEMA Declared Disasters in Van Buren 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 $2,274$27,288
Home Insurance *$241$2,892
Property Taxes $416$4,992
Electricity $412$4,947
Total$3,343$40,116
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$114,617/yr
40% on housing$100,290/yr
45% on housing$89,146/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: 6.8%
6.8%
0%30.0%
Electricity Growth Rate10-year average: 3.9%
3.9%
0%15.0%
Property Taxes Growth Rate2-year average: 0.7%
0.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$119This listing

vs Other Active Listings

Avg $/sqft

ZIP 49090$304
Van Buren County$201

vs Homes Sold Last Month

Median $/sqft

ZIP 49090
Van Buren County$167

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
2026-04-21Listed for sale$550,000

For Sale by Agent

AgentAmy O'Sullivan
BrokerageJaqua REALTORS

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