816 River St, Three Rivers, MI, 49093
About This Home
Waterfront Paradise on the St. Joseph River - A One-of-a-Kind Retreat! Welcome to your dream waterfront escape! This beautifully renovated home offers the perfect blend of space, style, and serene riverfront living. Nestled on a rare double lot with over 100 feet of frontage on the St. Joseph River. Step inside to discover a spacious main floor featuring a stunning, oversized kitchen with abundant counter space, cabinetry, and room to entertain. The flexible living area can easily serve as a dining room, game room, or cozy lounge--tailored to your lifestyle. A main floor bedroom and full bath provide convenience and comfort for guests or multigenerational living. The showstopper is the family room, with access to the main level deck perfect for sitting and enjoying the beautiful views. Enjoy the patio firepit area in the evenings and the dock offers water access. Upstairs, the luxurious primary suite is a true retreat, complete with soaring natural wood cathedral ceilings, a wall of windows, and a private balcony overlooking the water. The ensuite bath features a dual vanity and a custom walk-in shower. Three additional generously sized bedrooms, a full bath, and a half bath complete the upper level. The full basement offers ample storage, while the exterior is just as impressive. Enjoy your own private dock and boat launch, ideal for river adventures. The massive 4-car garage includes a drive-through boat stall and plenty of room for all your toys and gear. Every inch of this home has been thoughtfully updated with high-efficiency systems and modern finishes, inside and out. The design, space, and setting are sure to impress. Don't miss your chance to own this exceptional riverfront property, schedule your private showing today!
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1948
Materials
- Roof: Composition
- Construction materials: Vinyl Siding
Type & Style
- Home type: SingleFamily
- Architectural style: Traditional
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Dishwasher,Microwave,Oven,Range,Refrigerator
- Laundry features: In Basement
Basement
- Has basement: Yes
- Basement: Full,Walk-Out Access
Bedrooms & Bathrooms
- Bedrooms: 5
- Bathrooms: 4
- Full bathrooms: 3
- 1/2 bathrooms: 1
- Main level bedrooms: 1
Features
- Ceiling Fan(s)
- Window features: Replacement,Insulated Windows
- Flooring: Laminate,Wood
- Finished area below ground: 0
Heating & Cooling
- Heating features: Forced Air
- Cooling features: Central Air,SEER 13 or Greater
Interior Area
- Total structure area: 2,205
- Total interior livable area: 2,205 sqft
Property
Details
- Parcel number: 05124002400
Features
- Stories: 2
- Exterior features: Balcony
- On waterfront: Yes
- Waterfront features: River
- Waterbody name: Saint Joseph River
Lot
- Lot size: 0.44 Acres
- Features: Level,Recreational,Sidewalk
- Lot size dimensions: 100 x 170
Parking
- Total spaces: 4
- Parking features: Garage Faces Front,Garage Door Opener,Detached
- Has garage: Yes
- Attached garage spaces: 4
- Covered spaces: 4
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
- Lightning
- Strong Wind
How This Home’s Risks Compare
FEMA Declared Disasters in St. Joseph 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 | $1,966 | $23,592 |
| Home Insurance * | $264 | $3,168 |
| Property Taxes | $472 | $5,664 |
| Electricity | $240 | $2,886 |
| Total | $2,942 | $35,304 |
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 |
|---|---|---|
| 2026-03-03 | Listed for sale | $399,999 |
| 2026-01-01 | Listing removed | $429,900 |
| 2025-09-19 | Price change | $429,900 |
| 2025-07-23 | Listed for sale | $450,000 |
| 2007-08-30 | Sold | $40,000 |
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