2046 Gerald St, Benton Harbor, MI, 49022
About This Home
Charming ranch home in the highly desirable Fairplain area! Ideally located near shopping, downtown St. Joseph, and Lake Michigan beaches. This inviting home features a bright and spacious main-floor layout with a comfortable living and dining area, plus a vaulted family room addition offering direct access to the fenced backyard. Enjoy summer evenings on the patio and the convenience of an outdoor storage shed. The kitchen offers warm oak cabinetry, ample counter space, and included appliances. The basement recreation room provides additional living and entertaining space, making this home both functional and welcoming!
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1953
Materials
- Roof: Composition
- Construction materials: Aluminum Siding,Stone
Type & Style
- Home type: SingleFamily
- Architectural style: Ranch
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Dishwasher,Dryer,Microwave,Oven,Range,Refrigerator,Washer
- Laundry features: In Basement,Laundry Room
Basement
- Basement: Full,Slab
Bedroom2
- Level: Main
- Area: 120
- Dimensions: 10.00 x 12.00
Bedroom3
- Level: Main
- Area: 100
- Dimensions: 10.00 x 10.00
Bedroom4
- Level: Basement
- Area: 144
- Dimensions: 12.00 x 12.00
Bedrooms & Bathrooms
- Bedrooms: 4
- Bathrooms: 1
- Full bathrooms: 1
- Main level bedrooms: 3
Dining Room
- Level: Main
- Area: 72
- Dimensions: 9.00 x 8.00
Family Room
- Level: Main
- Area: 252
- Dimensions: 21.00 x 12.00
Features
- Ceiling Fan(s)
- Window features: Replacement,Window Treatments
- Flooring: Laminate
- Finished area below ground: 604
Heating & Cooling
- Heating features: Forced Air
- Cooling features: Central Air
Interior Area
- Total structure area: 1,472
- Total interior livable area: 1,472 sqft
Kitchen
- Level: Main
- Area: 156
- Dimensions: 13.00 x 12.00
Living Room
- Level: Main
- Area: 270
- Dimensions: 18.00 x 15.00
Master Bedroom
- Level: Main
- Area: 156
- Dimensions: 13.00 x 12.00
Recreation
- Level: Basement
- Area: 420
- Dimensions: 28.00 x 15.00
Property
Details
- Parcel number: 111823500034004
Features
- Stories: 1
Lot
- Lot size: 10,018 sqft
- Features: Shrubs/Hedges
- Lot size dimensions: 75 x 134
Parking
- Total spaces: 1
- Parking features: 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
- Strong Wind
- Winter Weather
- Tsunami
How This Home’s Risks Compare
FEMA Declared Disasters in Berrien County and Michigan
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $1,289 | $15,468 |
| Home Insurance * | $226 | $2,712 |
| Property Taxes | $216 | $2,592 |
| Electricity | $188 | $2,259 |
| Total | $1,919 | $23,028 |
Income You'd Need if You Spent...
Michigan FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-06-02 | Price change | $255,000 |
| 2026-05-21 | Listed for sale | $259,000 |
| 2022-09-08 | Sold | $216,500 |
| 2022-08-16 | Contingent | $207,000 |
| 2022-08-15 | Listed for sale | $207,000 |
| 2022-07-25 | Contingent | $207,000 |
| 2022-07-21 | Listed for sale | $207,000 |
| 2009-12-16 | Sold | $114,000 |
| 2009-09-09 | Sold | $41,250 |
| 2008-11-14 | Sold | $115,080 |
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