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Single Family ResidenceResidential
$40,530
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 49How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Sep 24, 2026

312 WATER ST

SAINT JOSEPH, MI 49085
0
Baths

Valuation

$41K
$20K low$61K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$612 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$10,400 (2026)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$10,500
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$20,800

Climate Risk

Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.75 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.minimal

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyBERRIEN
HeatingThe type of heating system in the home.Forced Air With Air Conditioning
PoolWhether the property has a pool, and what kind, such as in-ground.No

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Lincoln SchoolA-
Elementary · Grades PK–5 · 1.3 mi
H
St. Joseph High SchoolA
High · Grades 9–12 · 1.6 mi
M
Upton Middle SchoolA
Middle · Grades 6–8 · 4.3 mi

District: St. Joseph Public Schools

Neighborhood · ZIP 49085These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.63
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.82
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.22

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.89%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.31%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.4.3%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.4%
PopulationHow many people live in this area.22,840
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.887 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$94,242
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$118,414
Average tempThe average temperature here across a full year.49°F
Annual precipHow much rain and melted snow falls here in a typical year.37 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.46%

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Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

312 Water St measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Among the least valuable homes in Berrien County

What homes are worth in Saint Joseph 49085

Each bar is how many homes fall in that price range. The marker is this home.

This home
$93K$1.2M

This home is worth more than 2% of homes in Saint Joseph 49085.

How it measures up in Saint Joseph 49085

The dot is this home. The mark in the middle is the typical home in Saint Joseph 49085.

Estimated value$40,530
CheaperTypical $340,981Pricier

Pricier than 2% of homes nearby

How 312 Water St ranks against every home in each area.
MeasureThis homeSaint Joseph 49085Berrien County
Estimated valuepricier than$40,5302% of homesalmost no homes

About 312 Water St

How much is 312 Water St, Saint Joseph, MI worth?

The TopHap Estimate for 312 Water St, Saint Joseph, MI is $40,530 as of Sep 24, 2026. The likely range is $19,780 to $61,280. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 312 Water St, Saint Joseph, MI last sell?

312 Water St, Saint Joseph, MI last sold on Dec 27, 2001, according to the county's recorded deed.

What schools serve 312 Water St, Saint Joseph, MI?

312 Water St, Saint Joseph, MI is assigned to Lincoln School (elementary), rated A-; St. Joseph High School (high), rated A; Upton Middle School (middle), rated A. All sit in St. Joseph Public Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

What are the property taxes on 312 Water St, Saint Joseph, MI?

The 2025 property tax bill for 312 Water St, Saint Joseph, MI was $612. The county assessed it at $10,400.

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See this home in context

Open 312 Water St on TopHap’s interactive map to compare it against every sale nearby, overlay school zones and flood risk, and run a CMA.

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