1020 Arnold St, Three Rivers, MI 49093 Property Records

St. Joseph County property record for 1020 Arnold St, Three Rivers, MI 49093

Property Summary

Property Type	Commercial
Details	4,929 sqft
Lot Size	1.84 acres (80,150 sqft)
Owner	Company Name on Record
Last Sale	$200,000 (Jul 2022)
Tax Bill	$3,067 (2025)
Deeds & Mortgages	Jul 2022 Sale & Line of Credit Jul 2018 Foreclosure
Flood Zone	Zone X (minimal risk)
APN	`051-399-097-40`

Property Details

APN / Parcel Number

Primary APN	`051-399-097-40`

Interior

Stories	1 Story
Building Area	4,929 sqft Total Area

Exterior

Lot Area	80,150 sqft (1.84 acres)
Lot Dimensions	367 ft deep x 200 ft wide

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	1020 ARNOLD ST
City	THREE RIVERS
State	MI
Zip	49093-9572
Property Category	Commercial
Property Type	Commercial > Retail
Local Zoning Code	B-2
Legal Description	COM INT C/L ARNOLD ST & E LN SEC 13 T6S R12W TH W 288.75 FT TO POB TH W 200 FT TH S 400 FT TH E 200 FT TH N 400 FT TO POB. 1.
Legal Range	12W
Legal Township	06S
Legal Section	13
Legal Subdivision	CITY OF THREE RIVERS
Jurisdiction	ST JOSEPH MI
Township / Civil Division	THREE RIVERS
Census Block Group	1
Census Block	1013
Census Tract	40300

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Company Name on Record
Mailing Address	1020 ARNOLD ST, THREE RIVERS, MI 49093-9572
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Jul 28, 2022	Warranty Deed, Transfer · Line of Credit FLAGSTAR BANK FSB
Jul 31, 2018	Trustee's Deed, Foreclosure · Commercial Mortgage CENTURY BANK & TRUST CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 28, 2022 · Amount on Record
Deed Sale	Jul 28, 2022 · Amount on Record
Prior Sale	Jul 31, 2018 · Amount on Record
Deed Document Number	20226749
Prior Transfer Date	Jun 26, 1997
Prior Transfer Doc	1203000550
Record Updated	Sep 20, 2026

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOSEPH MI
Recording Date	Jul 28, 2022
Property Address	1020 ARNOLD ST, THREE RIVERS, MI 49093-9572
Document Number	2022006749
Instrument Date	Jul 20, 2022
Instrument	2022006749
Transaction Type	Transfer
Record Updated	Jun 16, 2023
Title Company	ATA NATIONAL TITLE GROUP LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,500.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	60981 N MAIN, JONES, MI 49061-8701

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14977 BULLOCK RD, THREE RIVERS, MI 49093-9714

Mortgage

Date	Jul 28, 2022

Lender

Name	FLAGSTAR BANK FSB
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

July 2018: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	ST JOSEPH MI
Recording Date	Jul 31, 2018
Property Address	1020 ARNOLD ST, THREE RIVERS, MI 49093-9572
Document Number	1925/0023
Book / Page	1925 / 0023
Instrument Date	Jul 27, 2018
Transaction Type	Foreclosure
Record Updated	Jul 22, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,195.40
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6109 DANFORD CREEK DR # DR2, 6109, KALAMAZOO, MI 49009-2056

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	60981 N MAIN, JONES, MI 49061-8701

Mortgage

Document Number	1925/0025
Date	Jul 31, 2018
Book Page	1925/0025

Lender

Name	CENTURY BANK & TRUST CO
Type	Bank
Address	THREE RIVERS, MI 49093

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$100,100 (+37.69%)	$200,200 (+37.69%)
2025	$3,067.00 (-28.79%)
2023		$72,700 Land $30,000 Building $42,700	$145,400 Land $60,000 Building $85,400
2022	$4,307.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective June 4, 2010

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 80% of the US · above 51% of Michigan
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

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

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	THREE RIVERS serves 7,905 people · EPA ID MI0006610
Water Source	Groundwater
Last State Inspection	Apr 2025
Lead	4 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 177 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Surf Internet Fiber	8,000 / 8,000
Frontier Fiber	7,000 / 7,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
Mercury Fiber Fixed Wireless	150 / 20

May also be available: Metronet, T-Mobile.

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