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8040 Territorial Rd, Watervliet, MI, 49098

4beds
2baths
1,912sqft
$315,000
$165price/sqft
$2,543/moest. monthly cost
$101,720/yrincome needed

About This Home

Now offering a roof credit of $11,500 with an acceptable offer! Nestled in a beautiful country setting, this charming 1930s home offers 4 bedrooms, 2 full bathrooms, and a blend of historic character and modern updates. A main-floor bedroom provides flexibility as a home office or guest room. Hardwood floors run throughout, while the spacious updated kitchen features newer appliances, abundant cabinet storage, a subway tile backsplash, and plenty of natural light. Arched doorways connect the dining and living rooms, highlighted by a cozy fireplace and large windows. Enjoy the bright sunroom overlooking peaceful surroundings. Upstairs offers 3 generously sized bedrooms, a full bath, and a sitting area. The basement includes a workshop and storage. Relax in the fenced backyard. Recent updates include replacement windows, blown-in insulation, closed-loop geothermal heating and cooling, updated electrical, and a new RV hookup.

Getting Around

7
WalkingCar-Dependent
0
TransitVery Limited Transit
28
BikeSomewhat Bikeable

Schools

--
South Elementary SchoolGrades PK-24.7 mi
6/10
Watervliet Middle SchoolGrades 6-85.1 mi
6/10

Construction

Condition

  • Year built: 1937

Materials

  • Construction materials: Brick

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Microwave,Range,Refrigerator,Washer
  • Laundry features: In Basement,Sink

Basement

  • Basement: Partial

Bedrooms & Bathrooms

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

Features

  • Center Island
  • Flooring: Wood
  • Number of fireplaces: 1
  • Fireplace features: Living Room
  • Fireplace: Yes
  • Finished area below ground: 0

Heating & Cooling

  • Heating features: Heat Pump
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,912
  • Total interior livable area: 1,912 sqft

Property

Details

  • Parcel number: 110100220013022

Features

  • Stories: 2

Lot

  • Lot size: 0.71 Acres
  • Lot size dimensions: 192 x 160

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 $1,592$19,104
Home Insurance *$209$2,508
Property Taxes $534$6,408
Electricity $208$2,502
Total$2,543$30,516
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$87,188/yr
40% on housing$76,290/yr
45% on housing$67,813/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

$165This listing

vs Other Active Listings

Avg $/sqft

ZIP 49098$196
Berrien County$245

vs Homes Sold Last Month

Median $/sqft

ZIP 49098$163
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
2026-08-09Price change$312,500
2026-06-15Listed for sale$315,000
2024-09-10Listing removed$3,600
2024-08-26Price change$3,600
2024-08-20Listed for rent$2,500
2024-04-01Listing removed--
2024-03-03Listed for rent$2,495
2022-04-29Sold$233,000
2017-12-01Sold$150,911
2017-10-18Listed for sale$149,900
2011-10-03Sold$89,500
2011-09-29Listed for sale$87,000

For Sale by Agent

AgentBen Stephen
BrokerageCressy & Everett Real Estate

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