T
Seller's Agent in 2025
Thomas Fry
Century 21 Affiliated
308 Water St Saint Joseph, MI 49085
3
Beds
4
Baths
1,738
Sq Ft
1988
Built
Highlights
- Water Views
- Docks
- In Ground Pool
- Upton Middle School Rated A
- Water Access
- 1-minute walk to Margaret Upton Arboretum
About This Home
As of July 2025Experience the best of Michigan's Sunset Coast in this beautifully updated, one-owner waterfront condo with panoramic views of Lake Michigan, the St. Joseph River mouth, the iconic lighthouse, and both North & South Piers. Located below the bluff, you're just a short walk to Silver Beach, downtown restaurants, the Whirlpool Fountain, the Carousel, Shadowland Pavilion, and all that vibrant Downtown St. Joe has to offer. This 3-bedroom, 2.5-bath home features a spacious open floor plan, a 12' x 24' deck perfect for outdoor entertaining, and an attached garage for convenience. Recent updates include gorgeous new white oak flooring throughout, new appliances, a new furnace, new water heater, and more—offering modern comfort and peace of mind. With its unbeatable location, fresh upgrades, and direct water access, this is truly one of St. Joe's premier waterfront opportunities.
Last Agent to Sell the Property
Thomas Fry
Century 21 Affiliated License #6506048991 Listed on: 05/30/2025
Townhouse Details
Home Type
- Townhome
Est. Annual Taxes
- $14,971
Year Built
- Built in 1988
Lot Details
- Property fronts a channel
HOA Fees
- $605 Monthly HOA Fees
Parking
- 2 Car Attached Garage
Home Design
- Brick or Stone Mason
- Slab Foundation
- Metal Roof
- Stucco
- Stone
Interior Spaces
- 1,738 Sq Ft Home
- 3-Story Property
- Replacement Windows
- Window Treatments
- Screened Porch
- Wood Flooring
- Water Views
Kitchen
- Oven
- Microwave
- Dishwasher
Bedrooms and Bathrooms
- 3 Bedrooms
Laundry
- Laundry in Hall
- Dryer
- Washer
Home Security
Accessible Home Design
- Stairway
- Chairlift
- Doors are 36 inches wide or more
Outdoor Features
- In Ground Pool
- Water Access
- Property is near a lake
- Docks
- Balcony
Utilities
- Forced Air Heating and Cooling System
- Heating System Uses Natural Gas
- Electric Water Heater
Community Details
Overview
- Association fees include snow removal, lawn/yard care
- Association Phone (630) 915-4794
- The Waterfront Subdivision
- Electric Vehicle Charging Station
Amenities
- Clubhouse
Recreation
- Community Pool
Security
- Gated Community
- Fire and Smoke Detector
Ownership History
Date
Name
Owned For
Owner Type
Purchase Details
Listed on
May 30, 2025
Closed on
Jul 2, 2025
Sold by
Jean Gertrude Mufuka Declaration Of Trus and Mufuka Jean Gertrude
Bought by
Phelan Daniel J and Phelan Adriana R
Seller's Agent
Thomas Fry
Century 21 Affiliated
Buyer's Agent
Madyson Green
Green Towne Coastal Realty
List Price
$900,000
Sold Price
$900,000
Views
11
Current Estimated Value
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Estimated Appreciation
-$18,194
Avg. Annual Appreciation
0.75%
Original Mortgage
$650,000
Outstanding Balance
$648,908
Interest Rate
6.89%
Mortgage Type
New Conventional
Estimated Equity
$256,038
Purchase Details
Closed on
Dec 20, 1996
Purchase Details
Closed on
Aug 16, 1988
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Home Values in the Area
Average Home Value in this Area
Purchase History
| Date | Type | Sale Price | Title Company |
|---|---|---|---|
| Warranty Deed | $900,000 | Chicago Title Of Michigan | |
| Warranty Deed | $900,000 | Chicago Title Of Michigan | |
| Deed | -- | -- | |
| Deed | $397,000 | -- |
Source: Public Records
Mortgage History
| Date | Status | Loan Amount | Loan Type |
|---|---|---|---|
| Open | $650,000 | New Conventional | |
| Closed | $650,000 | New Conventional |
Source: Public Records
Property History
| Date | Event | Price | List to Sale | Price per Sq Ft |
|---|---|---|---|---|
| 07/03/2025 07/03/25 | Sold | $900,000 | 0.0% | $518 / Sq Ft |
| 05/30/2025 05/30/25 | For Sale | $900,000 | -- | $518 / Sq Ft |
Source: MichRIC
Tax History
| Year | Tax Paid | Tax Assessment Tax Assessment Total Assessment is a certain percentage of the fair market value that is determined by local assessors to be the total taxable value of land and additions on the property. | Land | Improvement |
|---|---|---|---|---|
| 2025 | $14,971 | $417,100 | $0 | $0 |
| 2024 | $14,662 | $370,800 | $0 | $0 |
| 2023 | $14,031 | $286,600 | $0 | $0 |
| 2022 | $13,384 | $262,700 | $0 | $0 |
| 2021 | $13,272 | $260,400 | $84,300 | $176,100 |
| 2020 | $13,091 | $248,400 | $0 | $0 |
| 2019 | $12,946 | $213,400 | $81,200 | $132,200 |
Source: Public Records
Agents Affiliated with this Home
-
-
Madyson Green
Buyer's Agent in 2025
Madyson Green
Green Towne Coastal Realty
(269) 759-8466
14 in this area
55 Total Sales
Map
Source: MichRIC
MLS Number: 25025165
APN: 11-76-8500-0054-00-7
Disclaimer: Certain information contained herein is derived from information provided by parties other than Homes.com. All information provided is deemed reliable, but is not guaranteed to be accurate and should be independently verified.
Information is deemed reliable but not guaranteed.
Copyright 2026 MichRIC, LLC. All rights reserved.
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