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13492 Riverside Dr, Constantine, MI, 49042

2beds
2baths
1,170sqft
$269,000
$230price/sqft
$1,933/moest. monthly cost
$77,320/yrincome needed

About This Home

Meticulously maintained 2-bedroom, 1.5-bath waterfront home on the St. Joseph River with a private dock and boat launch. Designed to maximize river views, the open floor plan features abundant windows and a spacious deck overlooking the water. Enjoy a beautiful four-season room added in 2024, The property also includes a 2-car garage, a new 18 X 32 insulated pole barn (2024), and a storage shed with electricity and a concrete floor. Enjoy peace of mind with extensive recent updates, including new windows and siding (2022), new roofs on all buildings (2024), a new 90% efficient furnace and central A/C (2025), and a new 200-amp electrical service (2022). This move-in-ready waterfront retreat offers the perfect combination of comfort, quality, and outdoor living. There is a 1.43 acre lot right across the street for sale that can be purchased with this home. The MLS number is 26036620.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
26
BikeSomewhat Bikeable

Schools

5/10
7/10
6/10
Constantine High SchoolGrades 9-121.5 mi

Construction

Condition

  • Year built: 1983

Materials

  • Roof: Composition
  • Construction materials: Wood Siding

Type & Style

  • Home type: MobileManufactured
  • Architectural style: Ranch
  • Property subType: Manufactured Home

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Range,Refrigerator,Washer
  • Laundry features: In Bathroom

Basement

  • Basement: Crawl Space

Bedrooms & Bathrooms

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

Features

  • Eat-in Kitchen

Heating & Cooling

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

Interior Area

  • Total structure area: 1,170
  • Total interior livable area: 1,170 sqft

Property

Details

  • Parcel number: 00302701210

Features

  • Stories: 1
  • On waterfront: Yes
  • Waterfront features: River
  • Waterbody name: Saint Joseph River

Lot

  • Lot size: 0.50 Acres
  • Lot size dimensions: Irregular

Parking

  • Total spaces: 2
  • Parking features: Detached
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

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
  • Inland Flooding
    Inland FloodingRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Cold Wave
    Cold WaveModerate
  • Drought
    DroughtModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Hail
Inland Flooding
Lightning
Strong Wind
Cold Wave
Drought
Tornado
Winter Weather

FEMA Declared Disasters in St. Joseph 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 $1,360$16,320
Home Insurance *$159$1,908
Property Taxes $226$2,712
Electricity $188$2,259
Total$1,933$23,196
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$66,274/yr
40% on housing$57,990/yr
45% on housing$51,546/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: 10.8%
10.8%
0%30.0%
Electricity Growth Rate10-year average: 3.9%
3.9%
0%15.0%
Property Taxes Growth Rate2-year average: 1.8%
1.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$230This listing

vs Other Active Listings

Avg $/sqft

ZIP 49042$120
St. Joseph County$165

vs Homes Sold Last Month

Median $/sqft

ZIP 49042$173
St. Joseph County$142

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
2026-08-05Contingent$269,000
2026-07-16Listed for sale$269,000
2022-11-09Sold$125,000
2021-07-29Sold$123,000
2021-06-18Listed for sale$119,900

For Sale by Agent

AgentMatthias DeJongh
BrokerageGreenridge Realty South Haven

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