10133 Lucas Rd, Three Rivers, MI 49093 Property Records

St. Joseph County property record for 10133 Lucas Rd, Three Rivers, MI 49093

Property Summary

Property Type	Single Family Home
Details	1 ba · 728 sqft
Lot Size	0.1 acres (4,356 sqft)
Owner	Individual Name on Record
Last Sale	$65,000 (Jun 2022)
Tax Bill	$975 (2025)
Deeds & Mortgages	Dec 2025 Mortgage Jun 2022 Sale
Flood Zone	Zone X (minimal risk)
APN	`004-260-016-00`

Property Details

APN / Parcel Number

Primary APN	`004-260-016-00`

Interior

Full Baths	1 Bath
Building Area	728 sqft Living Area
1st Floor Area	728 sqft

Exterior

Architectural Style	Ranch
Lot Area	4,356 sqft (0.1 acres)
Lot Dimensions	88 ft deep x 50 ft wide
Garage Area	378 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	10133 LUCAS RD
City	THREE RIVERS
State	MI
Zip	49093-8557
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	LR
Legal Description	LOT 16. PHILLIPS LONG BEACH PLAT. SEC 7 T6S R12W.
Legal Range	12W
Legal Township	06S
Legal Section	07
Legal Subdivision	PHILLIPS LONG BEACH PLAT
Legal Lot Number	16
Jurisdiction	ST JOSEPH MI
Township / Civil Division	FABIUS
Census Block Group	2
Census Block	2009
Census Tract	41102

Owner

Source: St. Joseph County records, as of July 20, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	3988 MARIETTA CIR, KALAMAZOO, MI 49009-6579
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 17, 2025	Deed of Trust, Mortgage · Conventional Mortgage LAKE MICHIGAN CU
Jun 14, 2022	Warranty Deed, Transfer IRONGATE TITLE AGENCY LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 14, 2022 · Amount on Record
Deed Sale	Jun 14, 2022 · Amount on Record
Prior Sale	May 4, 2006 · Amount on Record
Deed Document Number	20225525
Prior Transfer Date	Apr 17, 2006
Prior Transfer Doc	1372/0209
Record Updated	Sep 20, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH MI
Property Address	10133 LUCAS RD, THREE RIVERS, MI 49093-8557
Transaction Type	Mortgage
Record Updated	Jan 1, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3988 MARIETTA CIR, KALAMAZOO, MI 49009-6579

Mortgage

Document Number	2025009878
Date	Dec 17, 2025
Instrument	2025009878

Lender

Name	LAKE MICHIGAN CU
Type	Credit Union
Address	GRAND RAPIDS, MI 49546

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.49%
Type Change Date	Jan 1, 2031
Change Frequency	Annually
Min Rate At Change	4.49%
Max Rate At Change	8.49%
Index	1-Year CMT
Max Rate	11.4%

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOSEPH MI
Recording Date	Jun 14, 2022
Property Address	10133 LUCAS RD, THREE RIVERS, MI 49093-8557
Document Number	2022005525
Map Reference	LB 2 PG 13
Instrument Date	Jun 10, 2022
Instrument	2022005525
Transaction Type	Transfer
Record Updated	Jun 28, 2022
Title Company	IRONGATE TITLE AGENCY LLC

Transaction

Amount	Amount Recorded
Tax	$487.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1793 PARAKEET, 1793, HOLT, MI 48842-8687

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3988 MARIETTA CIR, KALAMAZOO, MI 49009-6579

Tax Assessment & Valuation

Source: St. Joseph County assessment roll, as of August 11, 2025

Property Jurisdictions

Type	Name
State	Michigan
County	St. Joseph County
County Subdivision	Fabius Township
Unified School District	Three Rivers Community Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$115,400 (+7.25%)	$230,800 (+7.25%)
2025	$975.00	$107,600 Land $46,000 Building $61,600	$215,200 Land $92,000 Building $123,200

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective June 4, 2010 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	5 in force
Nearby Flood Claims	2 (2008)
Most Recent Claim	Feb 2008 · rainfall accumulation

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 85% of Michigan
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 47 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Starlink Satellite	280 / 30

May also be available: Midwest Energy & Communications.

Cell Coverage

4G LTE (outdoors only), no 5G reported

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