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3618 Lakeshore Dr #8, Saint Joseph, MI, 49085

2beds
1baths
970sqft
$285,000
$294price/sqft
$1,992/moest. monthly cost
$79,680/yrincome needed

About This Home

Exceptional view of Lake Michigan on the second floor. This gated shoreline community has two pools and one that is heated overlooking the lake. Enjoy 7 acres and 600 feet of shared private beach. Private balcony to take in expansive water vistas, or take the private road down to the resident-only sandy beach. The interior features open-concept living and dining layout and a breathtaking view. Minutes from downtown St. Joseph and several beaches.

Getting Around

7
WalkingCar-Dependent
0
TransitVery Limited Transit
29
BikeSomewhat Bikeable

Schools

7/10
Brown SchoolGrades PK-50.4 mi
9/10
Upton Middle SchoolGrades 6-82.3 mi
9/10
St. Joseph High SchoolGrades 9-121.6 mi

Construction

Condition

  • Year built: 1964

Materials

  • Construction materials: Brick

Type & Style

  • Home type: Condo
  • Architectural style: Other
  • Property subType: Condominium

Interior

Appliances

  • Appliances included: Dishwasher,Oven,Range,Refrigerator
  • Laundry features: Common Area

Basement

  • Basement: Full

Bathroom1

  • Level: Main
  • Area: 40
  • Dimensions: 8.00 x 5.00

Bedroom2

  • Level: Main
  • Area: 99
  • Dimensions: 11.00 x 9.00

Bedrooms & Bathrooms

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

Dining Area

  • Level: Main
  • Area: 126
  • Dimensions: 14.00 x 9.00

Features

  • Eat-in Kitchen
  • Flooring: Carpet,Ceramic Tile,Vinyl

Heating & Cooling

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

Interior Area

  • Total structure area: 970
  • Total interior livable area: 970 sqft

Kitchen

  • Level: Main
  • Area: 110
  • Dimensions: 11.00 x 10.00

Living Room

  • Level: Main
  • Area: 252
  • Dimensions: 18.00 x 14.00

Master Bedroom

  • Level: Main
  • Area: 143
  • Dimensions: 13.00 x 11.00

Property

Details

  • Parcel number: 117644000095007

Features

  • Stories: 1
  • Private pool: Yes
  • Pool features: In Ground,Association
  • Exterior features: Balcony
  • On waterfront: Yes
  • Waterfront features: Lake
  • Waterbody name: Lake Michigan

Lot

  • Features: Site Condo,Shrubs/Hedges

Parking

  • Parking features: Detached,Carport
  • Carport: Yes

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
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Cold Wave
Hail
Strong Wind
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 $1,441$17,292
Home Insurance *$121$1,452
Property Taxes $242$2,904
Electricity $188$2,259
Total$1,992$23,904
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$68,297/yr
40% on housing$59,760/yr
45% on housing$53,120/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

$294This listing

vs Other Active Listings

Avg $/sqft

ZIP 49085$241
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)

No zestimate history available

Price History

DateEventPrice
2026-07-10Listed for sale$285,000

For Sale by Agent

AgentZacherl Realty Group
BrokerageColdwell Banker Realty

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