Seller's Agent in 2021
Benjamin Stephen
Cressy & Everett Real Estate
(269) 208-9076
8 in this area
200 Total Sales
3463 Michael Ln St. Joseph, MI 49085
Estimated Value: $688,201 - $924,000
5
Beds
4.5
Baths
4,363
Sq Ft
$177/Sq Ft
Est. Value
Highlights
- Private Waterfront
- Docks
- 1.75 Acre Lot
- Upton Middle School Rated A
- Indoor Spa
- Deck
About This Home
As of February 2021BACK ON THE MARKET, but not for long!
Don't miss the opportunity to make this river oasis your new home. With 109' of St Joe River frontage on 1.75 acres this home has much to offer including plentiful views of the river & yard, large windows & abundant natural light. Multiple slider doors allow easy indoor/outdoor access to expansive multi-level decking. Main floor laundry/mudroom, large kitchen w/ spacious island & wood/gas fireplace. Upstairs you will find 4 bedrooms, including dual master suites. Walkout lower level has large workshop area, craft room, 5th bedroom & additional office/workout area. Tons of storage throughout. Don't miss the floating dock for easy river access. You truly need to see this one to appreciate all it has to offer! Make sure to watch the video tour!
Last Agent to Sell the Property
Cressy & Everett Real Estate License #6501407350 Listed on: 12/16/2020
Home Details
Home Type
- Single Family
Est. Annual Taxes
- $5,414
Year Built
- Built in 2005
Lot Details
- 1.75 Acre Lot
- Private Waterfront
- 109 Feet of Waterfront
- River Front
- Cul-De-Sac
- Shrub
- Sprinkler System
- Garden
Parking
- 3 Car Attached Garage
- Garage Door Opener
Home Design
- Traditional Architecture
- Brick Exterior Construction
- Composition Roof
- Vinyl Siding
Interior Spaces
- 4,363 Sq Ft Home
- 2-Story Property
- Ceiling Fan
- Wood Burning Fireplace
- Gas Log Fireplace
- Insulated Windows
- Mud Room
- Family Room with Fireplace
- Living Room
- Dining Room
- Home Office
- Recreation Room
- Indoor Spa
- Wood Flooring
- Water Views
- Walk-Out Basement
Kitchen
- Range
- Microwave
- Dishwasher
- Kitchen Island
Bedrooms and Bathrooms
- 5 Bedrooms
Laundry
- Laundry Room
- Laundry on main level
- Dryer
- Washer
Outdoor Features
- Water Access
- Docks
- Deck
Utilities
- Forced Air Heating and Cooling System
- Heating System Uses Natural Gas
- Natural Gas Water Heater
Ownership History
Date
Name
Owned For
Owner Type
Purchase Details
Listed on
Dec 16, 2020
Closed on
Feb 26, 2021
Sold by
Zavacky Helen and Reay Helen Lesley
Bought by
Kovalcik Derek and Kovalcik Ashley
Seller's Agent
Benjamin Stephen
Cressy & Everett Real Estate
Buyer's Agent
Joy Schwarting
Century 21 Affiliated
List Price
$624,900
Sold Price
$618,000
Premium/Discount to List
-$6,900
-1.1%
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
$155,050
Avg. Annual Appreciation
4.46%
Original Mortgage
$525,300
Outstanding Balance
$470,894
Interest Rate
2.7%
Mortgage Type
New Conventional
Estimated Equity
$302,156
Purchase Details
Closed on
Jan 21, 2011
Sold by
Reay Malcolm
Bought by
Reay Helen Lesley
Purchase Details
Closed on
Mar 10, 2004
Sold by
Frye Jim and Frye Tracy
Bought by
Reay Malcolm and Reay Helen
Purchase Details
Closed on
Nov 12, 2003
Sold by
Riverland Development Corp
Bought by
Frye Jim and Frye Tracy
Create a Home Valuation Report for This Property
The Home Valuation Report is an in-depth analysis detailing your home's value as well as a comparison with similar homes in the area
Home Values in the Area
Average Home Value in this Area
Purchase History
| Date | Buyer | Sale Price | Title Company |
|---|---|---|---|
| Kovalcik Derek | $618,000 | Accommodation | |
| Reay Helen Lesley | -- | None Available | |
| Reay Malcolm | $135,000 | Chicago Title | |
| Frye Jim | $74,000 | Chicago Title |
Source: Public Records
Mortgage History
| Date | Status | Borrower | Loan Amount |
|---|---|---|---|
| Open | Kovalcik Derek | $525,300 |
Source: Public Records
Property History
| Date | Event | Price | List to Sale | Price per Sq Ft |
|---|---|---|---|---|
| 02/26/2021 02/26/21 | Sold | $618,000 | -1.1% | $142 / Sq Ft |
| 01/16/2021 01/16/21 | Pending | -- | -- | -- |
| 12/16/2020 12/16/20 | For Sale | $624,900 | -- | $143 / 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 | $8,307 | $336,400 | $0 | $0 |
| 2024 | $6,867 | $338,400 | $0 | $0 |
| 2023 | $6,587 | $326,500 | $0 | $0 |
| 2022 | $6,274 | $309,100 | $0 | $0 |
| 2021 | $5,585 | $238,300 | $40,900 | $197,400 |
| 2020 | $5,495 | $239,800 | $0 | $0 |
| 2019 | $5,414 | $202,800 | $40,900 | $161,900 |
| 2018 | $5,346 | $202,800 | $0 | $0 |
| 2017 | $5,278 | $204,100 | $0 | $0 |
| 2016 | $5,152 | $214,600 | $0 | $0 |
| 2015 | $5,082 | $223,600 | $0 | $0 |
| 2014 | $3,816 | $208,300 | $0 | $0 |
Source: Public Records
Agents Affiliated with this Home
-
Benjamin Stephen
-
Joy Schwarting
Buyer's Agent in 2021
Joy Schwarting
Century 21 Affiliated
(269) 519-4777
18 in this area
164 Total Sales
-
C
Buyer's Agent in 2021
Chantana Schwarting
Coldwell Banker Anchor R.E.
Map
Source: MichRIC
MLS Number: 20024483
APN: 11-17-7445-0012-00-3
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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Your Personal Tour Guide
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