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303 Middle St, Three Rivers, MI, 49093

2beds
2baths
864sqft
$175,900
$204price/sqft
$1,491/moest. monthly cost
$59,640/yrincome needed

About This Home

Brand-New Construction — 303 Middle Street, Three Rivers This beautifully built 2025 new construction home offers 2 bedrooms, 2 full baths, and 864 sq. ft. of modern, low-maintenance living. You'll enjoy this home's clean design, quality craftsmanship, and contemporary finishes. Step inside to an open floor plan that creates a bright, seamless flow between the living, dining, and kitchen spaces. The kitchen features crisp white cabinetry, a center island with eat-in seating, and all appliances included—refrigerator, stove, oven, microwave, dishwasher, washer, and dryer—making this home truly turn-key. The private primary bedroom includes an attached full bath, while the second full bathroom is conveniently located off the hallway near the additional bedroom. Situated on a .21-acre lot, the property offers a manageable yard with room to enjoy outdoor activities. An exterior storage shed provides added convenience for tools, equipment, or seasonal items. A perfect choice for anyone seeking a modern, brand-new home with stylish finishes, thoughtful design, and effortless move-in convenience

Getting Around

55
WalkingSomewhat Walkable
0
TransitVery Limited Transit
43
BikeSomewhat Bikeable

Schools

6/10
Park Elementary SchoolGrades K-55.0 mi
5/10
8/10
Three Rivers High SchoolGrades 9-120.7 mi

Construction

Condition

  • Property condition: New Construction
  • New construction: Yes
  • Year built: 2025

Materials

  • Roof: Composition
  • Construction materials: Vinyl Siding

Type & Style

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

Interior

Appliances

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

Basement

  • Basement: Slab

Bathroom2

  • Level: Main

Bedroom2

  • Level: Main

Bedrooms & Bathrooms

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

Dining Area

  • Level: Main

Features

  • Eat-in Kitchen
  • Flooring: Vinyl

Interior Area

  • Total structure area: 864
  • Total interior livable area: 864 sqft

Kitchen

  • Level: Main

Laundry

  • Level: Main

Living Room

  • Level: Main

Master Bedroom

  • Level: Main

Property

Details

  • Parcel number: 05144503700

Features

  • Stories: 1

Lot

  • Lot size: 9,147 sqft
  • Lot size dimensions: 75 x 120

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
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Cold Wave
Hail
Lightning
Strong Wind

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 $889$10,668
Home Insurance *$119$1,428
Property Taxes $295$3,540
Electricity $188$2,259
Total$1,491$17,892
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$51,120/yr
40% on housing$44,730/yr
45% on housing$39,760/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

$204This 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
2026-02-13Listed for sale$180,000
2026-01-19Pending sale$180,000
2025-12-01Price change$180,000
2025-10-02Listed for sale$187,900
2024-11-04Sold$5,000

New Construction

AgentJoAnne Potts
BrokerageChuck Jaqua, REALTOR

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