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CondominiumResidential
$664,830
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 92How 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
Last sold for $565,000 on Aug 4, 2025

986 HARBOR DR E

SAINT JOSEPH, MI 49085
1
Baths
1,742 ft²
Lot SizeThe size of the land the home sits on, from county records.
2
StoriesHow many floors the home has above ground.

Valuation

$665K
$613K low$716K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$565,000 · Aug 4, 2025

Tax & Assessment

Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$282,600 (2026)
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$565,200

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.42
46
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
1
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
62
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
64
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
41
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.8 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.34%
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.1 percent flood zone

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Condominium
StyleThe architectural style of the home, such as ranch or colonial.Condo/Apartment
CountyBERRIEN
Lot (acres)The size of the land the home sits on, from county records.0.04
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(1)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

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 · 1.6 mi
H
St. Joseph High SchoolA
High · Grades 9–12 · 2.1 mi
M
Upton Middle SchoolA
Middle · Grades 6–8 · 4.5 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

986 Harbor Dr E 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.

  • Worth more than 91% of homes in Saint Joseph 49085
  • Among the smallest lots 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 91% 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$664,830
CheaperTypical $340,981Pricier

Pricier than 91% of homes nearby

Lot size1,742 ft²
SmallerTypical 0.32 acBigger

Bigger than 3% of homes nearby

How 986 Harbor Dr E ranks against every home in each area.
MeasureThis homeSaint Joseph 49085Berrien County
Estimated valuepricier than$664,83091% of homes89% of homes
Lot sizebigger than1,742 ft²3% of homesalmost no homes

About 986 Harbor Dr E

How much is 986 Harbor Dr E, Saint Joseph, MI worth?

The TopHap Estimate for 986 Harbor Dr E, Saint Joseph, MI is $664,830 as of Sep 24, 2026. The likely range is $613,168 to $716,492. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 986 Harbor Dr E, Saint Joseph, MI last sell?

986 Harbor Dr E, Saint Joseph, MI last sold on Aug 4, 2025 for $565,000, according to the county's recorded deed.

How big is 986 Harbor Dr E, Saint Joseph, MI?

986 Harbor Dr E, Saint Joseph, MI has 1 bathrooms and a 0.04-acre lot.

What schools serve 986 Harbor Dr E, Saint Joseph, MI?

986 Harbor Dr E, 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.

How does 986 Harbor Dr E, Saint Joseph, MI compare to other homes in Saint Joseph 49085?

Among the 10,350 homes in Saint Joseph 49085, it is worth more than 91% of them ($664,830 against a typical $340,981) and its lot is bigger than 3% of them (1,742 ft² against a typical 0.32 ac). Measured against all of Berrien County, it is worth more than 89% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

More homes on Harbor Dr E

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Assigned schools

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