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306 W Michigan Ave, Three Rivers, MI, 49093

5beds
4baths
3,118sqft
$309,900
$99price/sqft
$2,377/moest. monthly cost
$95,080/yrincome needed

About This Home

The red stately VICTORIAN offers appealing bay windows, a welcoming expansive front porch, a charming covered side porch with porch swing for those warm summer nights, a second floor balcony, breathtaking woodwork with huge oak pocket doors, and hardwood floors (including Brazilian cherry wood floors). It is beautifully decorated while accentuating the old world charm thats its 1870 architecture offers while still providing upgrades and amenities for modern living. In the heart of the city the home overlooks Scidmore Park where the 3 rivers meet. The home has a modern updated kitchen, a new handicap accessible full bath on the main floor, a main floor bedroom, and a main floor laundry. The lovely grand staircase leads to the 4 spacious upstairs bedrooms & 2 full baths including an extra room that is a walk in closet and vanity. There is a back staircase leading to the kitchen and even a spacious full attic to finish into your hobby or art area. There is ample storage in the full basement and the home sits on a large partially treed lot as well as 2 extra lots and has a new 40 x 16 shed for additional storage. This is a well kept turn of the century family home, or could possibly be a home office or bed and breakfast . Sellers have replaced most of the plumbing, fully insulated the attic, & added the main floor bath.

Getting Around

71
WalkingVery Walkable
0
TransitVery Limited Transit
54
BikeBikeable

Schools

6/10
Andrews Elementary SchoolGrades PK-50.3 mi
5/10
8/10
Three Rivers High SchoolGrades 9-121.1 mi

Construction

Condition

  • Year built: 1870

Materials

  • Roof: Composition
  • Construction materials: Brick

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Microwave,Range,Refrigerator,Water Softener Owned
  • Laundry features: Main Level

Basement

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

Bathroom1

  • Level: Upper
  • Area: 70
  • Dimensions: 7.00 x 10.00

Bedroom2

  • Level: Main
  • Area: 121
  • Dimensions: 11.00 x 11.00

Bedroom2

  • Level: Upper
  • Area: 54
  • Dimensions: 6.00 x 9.00

Bedroom3

  • Level: Upper
  • Area: 130
  • Dimensions: 10.00 x 13.00

Bedroom4

  • Level: Upper
  • Area: 90
  • Dimensions: 10.00 x 9.00

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1
  • Main level bedrooms: 1

Den

  • Level: Main
  • Area: 176
  • Dimensions: 16.00 x 11.00

Dining Room

  • Area: 308
  • Dimensions: 22.00 x 14.00

Features

  • Ceiling Fan(s)
  • Window features: Bay/Bow,Window Treatments
  • Flooring: Wood
  • Number of fireplaces: 2
  • Fireplace features: Formal Dining,Living Room
  • Fireplace: Yes
  • Finished area below ground: 0

Heating & Cooling

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

Interior Area

  • Total structure area: 3,118
  • Total interior livable area: 3,118 sqft

Kitchen

  • Level: Main
  • Area: 280
  • Dimensions: 20.00 x 14.00

Living Room

  • Level: Main
  • Area: 121
  • Dimensions: 11.00 x 11.00

Master Bedroom

  • Level: Upper
  • Area: 196
  • Dimensions: 14.00 x 14.00

Property

Accessibility

  • Accessibility features: Accessible Mn Flr Full Bath

Details

  • Parcel number: 7505134505100

Features

  • Stories: 2
  • Exterior features: Balcony

Lot

  • Lot size: 0.77 Acres
  • Features: Corner Lot,Adj to Public Land,Shrubs/Hedges
  • Lot size dimensions: 141 x 239

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

  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Lightning
Strong Wind
Cold Wave
Hail
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 $1,567$18,804
Home Insurance *$210$2,520
Property Taxes $260$3,120
Electricity $340$4,081
Total$2,377$28,524
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$81,497/yr
40% on housing$71,310/yr
45% on housing$63,386/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

$99This listing

vs Other Active Listings

Avg $/sqft

ZIP 49093$197
St. Joseph County$165

vs Homes Sold Last Month

Median $/sqft

ZIP 49093$145
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
2025-10-29Listed for sale$324,900
2020-01-30Sold$178,000
2019-09-04Price change$184,900
2019-07-22Listed for sale$189,900
2018-02-09Sold$162,000
2017-10-31Price change$160,000
2017-09-28Price change$159,000
2017-09-07Price change$157,500
2017-07-19Price change$159,900
2017-06-12Price change$165,900
2017-05-14Price change$169,500
2017-04-04Price change$172,500
2017-03-07Listed for sale$176,500
2015-11-02Listing removed$189,000
2015-08-06Listed for sale$189,000
2004-11-16Sold$110,000

For Sale by Agent

AgentKathleen A Mastaglio
BrokerageBerkshire Hathaway HomeServices Michigan Real Estate

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