Rental Investment Guide

Three Oaks Township


Short-term & long-term rental regulations, fees, and investor resources for Berrien County, Michigan.

Updated April 2026

Area Overview


Three Oaks Township is a roughly 36-square-mile agricultural and rural-residential township in southwest Berrien County that surrounds (but is a separate jurisdiction from) the Village of Three Oaks. It spans from the I-94/US-12 interchange south toward the Indiana line and includes the east half of Warren Dunes country and the fringes of Harbor Country. Housing stock is dominated by single-family country homes on 1โ€“10+ acre parcels, plus farmhouses and a small number of newer subdivisions.

Unlike the Village of Three Oaks โ€” which has a modern, inspected STR permit regime under Ordinance 210 (with a 10% R-1 cap added in 2023) โ€” the Township of Three Oaks has no separate short-term rental ordinance and no rental-registration program. Rental activity is governed by the Township Zoning Ordinance (Chapter 380), where the only defined short-term-occupancy use is a Bed-and-Breakfast operation (ยง 380-15.08), which is a Special Land Use requiring Planning Commission approval [1]. Long-term rentals (30+ days) are a permitted use in every residential and agricultural district by right, with no township-level registration or inspection [2]. Investors underwriting a township parcel should verify the exact zoning district before closing โ€” it's common for buyers to confuse Village and Township parcels since they share a postal ZIP.

Quick Status Summary


Short-Term Rentals SPECIAL USE

The Township Zoning Ordinance has no separate STR category and does not define 'short-term rental' or 'vacation rental.' The only short-term-occupancy use defined is 'Bed-and-Breakfast operations' under ยง 380-15.08 โ€” limited to 30 continuous days, capped at the pre-existing number of bedrooms, owner or resident-manager required, Zoning Administrator inspection before occupancy, and approved only as a Special Land Use by the Planning Commission [1]. Whole-home vacation rentals without on-site management fall outside this defined use and should be cleared with the Zoning Administrator before listing.

Long-Term Rentals ALLOWED

Long-term rentals (30+ day leases) are permitted by right wherever a dwelling is a permitted use under Chapter 380 โ€” that includes AG-RR (Agricultural/Rural Residential), R-1 (Single-Family), R-2 (Two-Family), R-3 (Multifamily), and R-4 (Mobile Home) districts [2]. No township rental registration, no Certificate of Compliance, and no township-level inspection regime apply โ€” state landlord-tenant law and Berrien County Health (septic/well) requirements govern. A standard Township zoning permit is only required if you build or alter structures on the parcel.

Rental Regulations


1 Where STRs Are Allowed (Zoning)

The Three Oaks Township Zoning Ordinance does not define ‘short-term rental,’ ‘vacation rental,’ or ‘transient lodging’ as separate use categories. The only short-term-occupancy residential use the code defines is a Bed-and-Breakfast operation (ยง 380-15.08), which is a Special Land Use in every residential district [1].

That means a whole-home Airbnb or VRBO is not expressly permitted or expressly prohibited โ€” it falls in a gap. The practical, defensible route is to treat it as a B&B under ยง 380-15.08 and apply for a Special Land Use Permit through the Planning Commission. The alternative is a formal zoning interpretation request to the Zoning Administrator (Ed Carpenter) before listing.

The Township is divided into eight zoning districts (ยง 380-3.01): AG-RR (Agricultural/Rural Residential), R-1 (Single-Family), R-2 (Two-Family), R-3 (Multifamily), R-4 (Mobile Home), C-1 (Commercial), I (Industrial), and FP (Floodplain Overlay). B&B operations are expressly listed as a Special Land Use in R-1 (ยง 380-5.03.D) [3]. For parcel-level verification, use the Berrien County GIS viewer and then confirm the zoning district and use status with the Zoning Administrator.

โš  Village vs. Township: The Village of Three Oaks (inside the township’s boundaries) has its own Short Term Rental Ordinance No. 210 with a 10% R-1 cap and a separate permit process. Village parcels are not covered by the township zoning ordinance. Confirm jurisdiction on the GIS map before underwriting.
2 Bed-and-Breakfast / Short-Term Operating Standards (ยง 380-15.08)

Operating as a B&B (the code’s only short-term occupancy category) locks in a specific list of standards under ยง 380-15.08 [1]. These are hard-coded in the ordinance, not discretionary conditions attached to the permit.

  • Short-term only, max 30 continuous days per guest (ยง 380-15.08.G).
  • Bedroom count frozen โ€” you cannot convert more rental rooms than the number of bedrooms that existed at the time the chapter was enacted, and adequate owner/manager living space must be preserved (ยง 380-15.08.A).
  • Manager must reside on-site with more than a nominal equity interest, unless it is owner-occupied (ยง 380-15.08.A). Absentee whole-home rental is not contemplated by this section.
  • A common room for guest relaxation is required (ยง 380-15.08.A).
  • Off-street parking โ€” one space per rented bedroom, plus family vehicles (ยง 380-15.08.B).
  • Bathrooms โ€” one bathroom per four guest rooms or fewer (ยง 380-15.08.C).
  • No separate cooking facilities if only continental breakfast is served (ยง 380-15.08.D).
  • Signage โ€” one on-site sign only; no off-site signage (ยง 380-15.08.E).
  • Zoning Administrator inspection and approval required before occupancy (ยง 380-15.08.F).
  • Berrien County Health Department approval required if anything beyond continental breakfast is served (ยง 380-15.08.F).
  • Minimum 2,400 sq ft of floor area required to convert a residence to a B&B (ยง 380-15.08.H).
3 Special Land Use Permit Process

B&B operations require a Special Land Use Permit approved by the Township Planning Commission after a public hearing (ยง 380-15.02) [1]. Submission is paper-based โ€” the application PDF is available on the Township’s Documents & Forms page.

SubmissionBy mail or in person to 6810 US Hwy 12, Three Oaks, MI 49128
Application formSpecial Land Use Application (PDF)
Site plan requiredSeparate Site Plan Review Application is typically required with any Special Land Use
Reviewing bodyPlanning Commission โ€” 4th Tuesday of each month, 7:00 PM
Public hearingRequired per MI Zoning Enabling Act (MCL 125.3502) โ€” adjacent owners noticed
Post-approvalZoning Administrator inspection required before occupancy (ยง 380-15.08.F)
For investors: Budget 60โ€“90 days from application to approved permit in a typical cycle. If you’re buying a property with the intention to short-term-rent, writing a zoning-contingency clause into the purchase agreement is the safest play โ€” a denial or conditional approval can materially change the underwriting.
4 Fees (Zoning, Special Land Use, Inspections)

Three Oaks Township does not charge a separate STR registration fee โ€” there is no STR program. The costs that apply to standing up a B&B / short-term use are the Special Land Use application fee, the site plan review fee, and the Zoning Administrator’s occupancy inspection. The published Township zoning fee schedule sets these [4].

Zoning feesSee Township Zoning Fees PDF (May 2024) for current dollar amounts
Berrien Co. Health Dept.Separate fees for well/septic inspection if required (non-continental food service, rural parcels)
Building permitsSeparate Building Permit Fee Schedule applies if any construction is involved

Enforcement of zoning violations (operating a B&B without a permit or breaching conditions) is handled as a municipal civil infraction under Chapter 380’s enforcement provisions โ€” call the Zoning Administrator to confirm current penalty structure before banking on any particular amount.

5 Inspection & Safety Requirements

Before a B&B / short-term use may begin operation, the Zoning Administrator must inspect and approve the facility (ยง 380-15.08.F) [1]. Unlike the Village of Three Oaks (which runs its own STR inspection checklist), the Township’s inspection is discretionary under the Zoning Administrator and piggybacks on state and county standards rather than a dedicated township housing code.

  • Zoning Administrator occupancy sign-off โ€” verifies compliance with ยง 380-15.08 conditions and any site-plan conditions imposed by the Planning Commission.
  • Berrien County Health Department approval โ€” required if food service goes beyond continental breakfast (ยง 380-15.08.F).
  • Michigan Building Code smoke alarm & CO requirements apply to any rental dwelling โ€” hardwired interconnected smoke alarms in every sleeping room, outside each sleeping area, and on every level; CO alarm within 15 feet of each sleeping area.
  • Septic/well verification โ€” for rural parcels on private septic, Berrien County Health Dept’s On-Site Septic program is the governing authority; confirm tank capacity is sized for the advertised maximum occupancy.
6 Nuisance, Noise & Fireworks

Three Oaks Township does not have a standalone noise ordinance in its current code โ€” noise complaints are handled under Michigan general law and the nuisance provisions embedded in Chapter 380 (zoning) and Michigan Penal Code (disturbing the peace, MCL 750.170). There is no township fireworks ordinance; state law (Michigan Fireworks Safety Act, MCL 28.451 et seq.) controls, which means consumer fireworks are permitted on the day before, day of, and day after a national holiday, between 11:00 AM and 11:45 PM (or 1:00 AM on New Year’s).

  • Noise / disturbance complaints: Berrien County Sheriff non-emergency dispatch โ€” 866-630-7679.
  • Zoning violations (B&B conditions): Ed Carpenter, Zoning Administrator โ€” (269) 756-9801 ext. 4, cell (269) 363-1869.
  • County emergency: 911.
1 Where LTRs Are Allowed (Zoning)

Long-term rentals (30+ day leases) are permitted by right wherever a single-family, two-family, or multifamily dwelling is a permitted use under Chapter 380 [2]. Three Oaks Township does not have a rental-registration ordinance, a Certificate of Compliance regime, or a township-level rental inspection program.

AG-RR Agricultural/Rural ResidentialSingle-family dwelling permitted by right
R-1 Single-Family ResidentialSingle-family dwelling permitted by right (ยง 380-5.02.D)
R-2 Two-Family ResidentialDuplex / two-family dwelling permitted by right
R-3 Multifamily ResidentialMultifamily dwelling permitted by right
R-4 Mobile Home ResidentialMobile homes within licensed parks permitted by right
C-1 / I / FPResidential rental generally not the principal permitted use โ€” verify any existing legal non-conforming dwelling

For parcel-level verification โ€” especially to confirm a property is in the Township and not the Village of Three Oaks โ€” use the Berrien County GIS viewer and then confirm district with the Zoning Administrator.

2 Registration & Inspection (None)

Three Oaks Township does not require registration, a Certificate of Compliance, or a periodic inspection for long-term rental units. As of April 2026, the Township Code does not contain a rental ordinance at all โ€” only the Zoning Ordinance (Chapter 380), the Land Division Ordinance (Ordinance 31), and the Marijuana ordinances (#62 zoning amendment, #63 regulation) [2][5].

  • No township rental license.
  • No Certificate of Compliance.
  • No biennial inspection.
  • No local agent requirement beyond what state landlord-tenant law requires (landlord’s name and address must be provided to the tenant, MCL 554.634).

This is a standard pattern for rural Berrien County townships that have not followed the lakefront-and-downtown rental-ordinance wave. Landlord-tenant obligations still apply โ€” state law (MCL 554.601 et seq.) governs security deposits, habitability, and eviction procedures, and the property is still subject to Berrien County Health Department septic/well oversight.

3 Building Permits & Alterations

Even though there is no rental registration, any structural alterations โ€” finishing a basement for a second dwelling unit, adding a bedroom, adding an accessory dwelling โ€” require a Township zoning permit and a building permit [5]. Three Oaks Township maintains a full permit suite; fees are set on the Building Permit Fee Schedule and the Zoning Fee Schedule.

  • Building Inspector / Zoning Administrator: Ed Carpenter โ€” (269) 756-9801 ext. 4; cell (269) 363-1869.
  • Building Permit Application โ€” required for additions, new construction, structural work.
  • Mechanical / Electrical / Plumbing Permits โ€” separate applications on the Documents & Forms page.
  • Accessory dwelling (mother-in-law suite, ADU) โ€” Special Land Use in R-1 per ยง 380-5.03.B.
  • Land Division / Split โ€” Ordinance #31 governs splits under Michigan’s Land Division Act.
4 Septic, Well & Health Department

A large fraction of Three Oaks Township parcels are on private septic and private well โ€” the Township has no municipal sanitary sewer serving agricultural and rural-residential areas, and water service is generally well-based outside the Village. The Berrien County Health Department is the permitting and inspection authority for on-site sewage and drinking water systems [6].

  • On-Site Septic: Required for every dwelling not on municipal sewer โ€” installation, repair, and replacement permits issue through the Environmental Health Division.
  • Sale/transfer: For homes on septic, Berrien County requires a septic/well evaluation at time of sale โ€” plan on scheduling well ahead of closing.
  • Rental: No recurring county inspection for active rentals on septic, but the owner is responsible for maintaining the system in working order; a failing septic can trigger enforcement.
5 Tenant Rights & Eviction Resources

Michigan landlord-tenant relationships are governed by state law (MCL 554.601 et seq.) and the Summary Proceedings Act for evictions. The State Bar of Michigan publishes a free Practical Guide for Tenants and Landlords that covers leases, security deposits, repairs, and the eviction process [7]. These rules apply uniformly in Three Oaks Township โ€” the township has not enacted any local modifications to the state landlord-tenant regime.

  • Security deposits โ€” max 1.5x monthly rent; itemized return within 30 days (MCL 554.602โ€“.613).
  • Truth in Renting Act โ€” lease cannot waive statutory rights (MCL 554.631โ€“.641).
  • Evictions โ€” must be via the Summary Proceedings Act in district court; self-help lockouts are prohibited.
  • Fair housing โ€” federal Fair Housing Act and MI Elliott-Larsen Civil Rights Act apply.

Official Resources


Property Tax Treatment


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Important for investors: A property used as a rental in Michigan is generally classified as non-homestead, which is taxed at the full local millage rate (no Principal Residence Exemption). Short-term rental income may also be subject to the Michigan Use Tax on transient accommodations. Consult a CPA before underwriting any deal โ€” these are not opinions, they are starting points for your own tax research.

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Buying in the township โ€” not the village?

Three Oaks Township's rental rules are genuinely different from the Village of Three Oaks next door: no STR permit regime, but also no default path to whole-home short-term rental. If you're underwriting a township parcel, I help confirm zoning district, Special Land Use feasibility, and whether the 'right' side of the township boundary makes or breaks your plan before you close.

Sources & Downloads


  1. 1
    Three Oaks Township Zoning Ordinance ยง 380-15.08 Bed-and-Breakfast Operations
    https://ecode360.com/34120764
    Only short-term-occupancy residential use defined in Chapter 380. Special Land Use in residential districts; 30-day cap; 2,400 sq ft minimum; owner/manager residence required; Zoning Admin inspection; Berrien Health approval if food beyond continental breakfast.
    Verified: 2026-04-20
  2. 2
    Three Oaks Township Zoning Ordinance โ€” No STR / LTR Rental Registration
    https://ecode360.com/TH3952
    Township Code Table of Contents on eCode360 โ€” no chapter for rental registration, housing license, or Certificate of Compliance. Only Chapter 380 (Zoning), Ordinance 31 (Land Division), and Ordinances 62/63 (Marijuana) are codified. Verified via eCode360 TOC.
    Verified: 2026-04-20
  3. 3
    Three Oaks Township Zoning Ordinance Article V โ€” R-1 Single-Family Residential District
    https://ecode360.com/34120096
    ยง 380-5.02 permitted uses (single-family, family day care, home occupation minor, place of public assembly small, subdivision conservation, township uses, essential service). ยง 380-5.03 special land uses (accessory dwelling, B&B, educational facility, kennel, PUD, etc.).
    Verified: 2026-04-20
  4. 4
    Three Oaks Township Zoning Fees (May 2024)
    http://www.threeoakstownship.org/wp-content/uploads/Three-Oaks-Township_20240522_095141.pdf
    Published fee schedule for zoning permits, site plan review, Special Land Use, and appeals. Exact dollar amounts vary by category โ€” confirm with Zoning Administrator.
    Verified: 2026-04-20
  5. 5
    Three Oaks Township Documents & Forms Page
    https://www.threeoakstownship.org/documents-and-forms/
    Master index of Township applications: Building, Mechanical, Electrical, Plumbing Permits; Special Land Use; Site Plan Review; Land Division; Marijuana applications.
    Verified: 2026-04-20
  6. 6
    Berrien County Health Department โ€” On-Site Septic
    https://www.berriencounty.org/760/On-Site-Septic
    Governing authority for private septic/well systems on Township parcels. Required for any dwelling not on municipal sewer, including rentals.
    Verified: 2026-04-20
  7. 7
    State Bar of Michigan โ€” Practical Guide for Tenants and Landlords
    https://www.legislature.mi.gov/publications/tenantlandlord.pdf
    Statewide MI landlord-tenant law โ€” applies in Three Oaks Township without local modification. Hosted by the Michigan Legislature.
    Verified: 2026-04-20
How this guide is produced. This rental guide is researched and drafted with assistance from Claude, an AI model made by Anthropic, working from the official municipal sources linked in this page. AI can make mistakes โ€” any fact that would materially affect a purchase or rental decision should be verified against the official source cited above and confirmed directly with the municipality. See an error? Email a correction.