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401 N Elm St, Three Oaks, MI, 49128

1beds
1baths
560sqft
$297,000
$530price/sqft
$2,069/moest. monthly cost
$82,760/yrincome needed

About This Home

Welcome to 401 N Elm St, a beautifully reimagined Tiny house in the heart of Three Oaks. This fully remodeled gem proves that big style can come in small packages, offering 560 square feet of thoughtfully designed living space that feels open and airy. Perfect for those seeking minimalist lifestyle or a weekend retreat. Step inside to discover soaring 9-foot ceilings, transom windows perched above the doors and beams of natural light. The stunning kitchen features inset cabinetry and quartz countertops. With one cozy bedroom and tasteful bathroom, every inch has been carefully curated for style and ease. The new roof, furnace, plumbing and electrical work ensure comfort and efficiency. Step outside onto your private deck overlooking an expansive backyard with endless opportunities to create your personal oasis, be it gardening or quiet starlit nights around your fire pit. Schedule a viewing today to discover how effortlessly charming downsizing can be. Seller is licensed Realtor in MI.

Getting Around

57
WalkingSomewhat Walkable
0
TransitVery Limited Transit
50
BikeBikeable

Schools

6/10
5/10
River Valley High SchoolGrades 6-122.4 mi

Construction

Condition

  • Year built: 1930

Materials

  • Roof: Asphalt,Shingle
  • Construction materials: HardiPlank Type,Other

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Microwave,Range,Refrigerator,Washer
  • Laundry features: Laundry Closet,Main Level

Basement

  • Has basement: Yes
  • Basement: Full,Michigan Basement

Bedrooms & Bathrooms

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

Features

  • Ceiling Fan(s)
  • Window features: Replacement
  • Flooring: Tile,Vinyl
  • Finished area below ground: 0

Heating & Cooling

  • Heating features: Forced Air,None
  • Cooling features: Central Air

Interior Area

  • Total structure area: 560
  • Total interior livable area: 560 sqft

Kitchen

  • Level: Main
  • Area: 150
  • Dimensions: 10.00 x 15.00

Living Room

  • Level: Main
  • Area: 135
  • Dimensions: 9.00 x 15.00

Master Bathroom

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

Master Bedroom

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

Property

Details

  • Parcel number: 114760000006003
  • Zoning description: Residential

Features

  • Stories: 1

Lot

  • Lot size: 0.39 Acres
  • Features: Level,Wooded,Ground Cover
  • Lot size dimensions: 66 x 255

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
  • Winter Weather
    Winter WeatherModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Cold Wave
Hail
Strong Wind
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 $1,501$18,012
Home Insurance *$128$1,536
Property Taxes $252$3,024
Electricity $188$2,259
Total$2,069$24,828
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$70,937/yr
40% on housing$62,070/yr
45% on housing$55,173/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

$530This listing

vs Other Active Listings

Avg $/sqft

ZIP 49128$210
Berrien County$245

vs Homes Sold Last Month

Median $/sqft

ZIP 49128$317
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
2026-06-19Listed for sale$297,000
2023-06-13Sold$84,000
2023-06-02Pending sale$95,000
2023-05-15Listed for sale$95,000
2021-09-16Sold$60,000
2021-09-02Pending sale$49,000
2021-09-01Listed for sale$49,000
2009-11-20Sold$19,523
2008-10-14Sold$74,800

For Sale by Agent

AgentTerry C Vravis
BrokerageBerkshire Hathaway HomeServices Chicago

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