10409 Lucas Rd, Three Rivers, MI 49093 Property Records

St. Joseph County property record for 10409 Lucas Rd, Three Rivers, MI 49093

Property Summary

Property Type	Single Family Home
Details	2 ba · 576 sqft
Lot Size	0.14 acres (6,098 sqft)
Owner	Individual Name on Record
Last Sale	$300,000 (Jul 2025)
Tax Bill	$1,092 (2025)
Deeds & Mortgages	Jun 2020 Mortgage Sep 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`004-007-030-01`

Property Details

APN / Parcel Number

Primary APN	`004-007-030-01`

Interior

Full Baths	2 Baths
Stories	2 Stories
Building Area	576 sqft Living Area
1st Floor Area	576 sqft
Basement Area	576 sqft
Unfinished Basement	576 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Lot Area	6,098 sqft (0.14 acres)
Lot Dimensions	90 ft deep x 67 ft wide

Utilities, Heating & Cooling

Heating System	Radiant

Location & Zoning

Street Address	10409 LUCAS RD
City	THREE RIVERS
State	MI
Zip	49093-8525
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	LR
Legal Description	COM IN C/L OF CO RD ON NW SIDE LONG LAKE 395.7 FT SWLY FROM WHERE SD C/L CROSSES N & S 1/4 LN SEC 7 T6S R12W TH S 55D 22M W 1
Legal Range	12W
Legal Township	06S
Legal Section	07
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	10409 LUCAS RD, THREE RIVERS, MI 49093-8525
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 9, 2020	Deed of Trust, Mortgage · Conventional Mortgage HIGHLANDS RESIDENTIAL MORTGAGE LTD
Sep 1, 2017	Warranty Deed, Transfer · Conventional Mortgage AMERICAN MORTGAGE SERVICE CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 10, 2025 · Amount on Record
Deed Sale	Jul 10, 2025 · Amount on Record
Prior Sale	Sep 1, 2017 · Amount on Record
Deed Document Number	20255359
Record Updated	Sep 20, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH MI
Property Address	10409 LUCAS RD, THREE RIVERS, MI 49093-8525
Transaction Type	Mortgage
Record Updated	Aug 22, 2023
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	25 CLAY CT, ZIONSVILLE, IN 46077-1821

Mortgage

Document Number	2020002205
Date	Jun 9, 2020
Instrument	2020002205

Lender

Name	HIGHLANDS RESIDENTIAL MORTGAGE LTD
Type	Mortgage Company
Address	DALLAS, TX 75243

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2050

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOSEPH MI
Recording Date	Sep 1, 2017
Property Address	10409 LUCAS RD, THREE RIVERS, MI 49093-8525
Document Number	1883/0741
Book / Page	1883 / 0741
Instrument Date	Aug 15, 2017
Transaction Type	Transfer
Record Updated	Jul 22, 2021
Title Company	PATRICK ABSTRACT AND TITLE, PATRICK ABSTRACT & TITLE OFF

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,806.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	503 POINSETTIA DR, 503, SIMPSONVILLE, SC 29681-3438

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	25 CLAY CT, ZIONSVILLE, IN 46077-1821

Mortgage

Document Number	18830743
Date	Sep 1, 2017
Instrument	1883/0743

Lender

Name	AMERICAN MORTGAGE SERVICE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2047

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		$128,900	$257,800
2025	$1,092.00

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 · 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 96% of the US · lower than 91% of Michigan
Wildfire Likelihood	Under 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 84 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Midwest Energy & Communications Fiber	1,000 / 1,000

Cell Coverage

5G and 4G LTE (outdoors only)

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