10418 Harder Rd, Three Rivers, MI 49093 Property Records

St. Joseph County property record for 10418 Harder Rd, Three Rivers, MI 49093

Property Summary

Property Type	Single Family Home
Details	4 ba · 3,213 sqft · built 1991
Lot Size	36.8 acres (1,604,750 sqft)
Owner	2 Individual Names on File
Tax Bill	$1,558 (2025)
Flood Zone	Zone X (minimal risk)
APN	`004-031-008-00`

Property Details

APN / Parcel Number

Primary APN	`004-031-008-00`

Interior

Full Baths	4 Baths
Stories	2 Stories
Building Area	3,213 sqft Living Area
Basement Area	1,020 sqft

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Lot Area	1,604,750 sqft (36.8 acres)
Lot Dimensions	279 ft deep x 800 ft wide
Total Buildings	9 Buildings

Location & Zoning

Street Address	10418 HARDER RD
City	THREE RIVERS
State	MI
Zip	49093-8216
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AG
Legal Description	E 1/2 E 1/2 SW 1/4 SEC 31T6S R12W. EST 39.61 A (004-031-008-10 COMBINED W/ THIS PCL FOR 2006)
Legal Range	12W
Legal Township	06S
Legal Section	31
Jurisdiction	ST JOSEPH MI
Township / Civil Division	FABIUS
Census Block Group	4
Census Block	4019
Census Tract	41102

Owner

10418 Harder Rd is owned and occupied by two individuals who acquired it in October 2012.

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

Owner of Record	2 Individual Names on File
Mailing Address	10418 HARDER RD, THREE RIVERS, MI 49093-8216
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 20, 1987
Deed Sale	Nov 20, 1987
Prior Sale	Dec 31, 1976
Deed Book / Page	558 / 550
Last Transfer Date	Oct 12, 2012
Transfer Doc	1673/0978
Record Updated	Sep 20, 2026

Tax Assessment & Valuation

The 2025 property tax bill for 10418 Harder Rd was $1,558 with a homeowner's exemption.

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		$297,400 (+23.81%)	$594,800 (+23.81%)
2025	$1,558.00 Homeowner's exemption	$240,200 Land $143,200 Building $97,000	$480,400 Land $286,400 Building $194,000

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

Flood

FEMA maps place 10418 Harder Rd in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1996.

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force
Nearby Flood Claims	3 (1996–2008)
Most Recent Claim	Sep 2008 · other causes

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

Wildfire risk around 10418 Harder Rd is low, with a 0.01% annual chance of 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	Indirect within ember reach
Adjoins Burnable Land	Yes

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 7 locations within half a mile, as of December 31, 2025

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