10443 Lucas Rd, Three Rivers, MI 49093 Property Records

St. Joseph County property record for 10443 Lucas Rd, Three Rivers, MI 49093

Property Summary

Property Type	Single Family Home
Details	1 ba · 886 sqft · built 1960
Lot Size	0.15 acres (6,534 sqft)
Owner	2 Individual Names on Record
Last Sale	$35,000 (Sep 1990)
Tax Bill	$1,358 (2025)
Deeds & Mortgages	Jan 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`004-007-016-00`

Property Details

APN / Parcel Number

Primary APN	`004-007-016-00`

Interior

Full Baths	1 Bath
Building Area	886 sqft Living Area
1st Floor Area	886 sqft
Basement Area	886 sqft
Unfinished Basement	886 sqft

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Architectural Style	Ranch
Lot Area	6,534 sqft (0.15 acres)
Lot Dimensions	101 ft deep x 63 ft wide

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	10443 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 AT INT OF S LN OF CO RD RNG NELY & SWLY ACROSS W 1/2 OF SEC 7 T6S R12W ALG N SIDE LONG LAKE WITH N & S 1/4 LN TH SWLY ALG
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 24, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	10443 LUCAS RD, THREE RIVERS, MI 49093-8525
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 19, 1990 · Amount on Record
Deed Sale	Sep 19, 1990 · Amount on Record
Deed Book / Page	607 / 470
Record Updated	Sep 20, 2026

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH MI
Property Address	10443 LUCAS RD, THREE RIVERS, MI 49093-8525
Transaction Type	Mortgage
Record Updated	Feb 4, 2020

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1992/0683
Date	Jan 15, 2020
Book Page	1992/0683

Lender

Name	HORIZON BANK
Type	Bank
Address	THREE RIVERS, MI 49093

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	95 Months
Due	Dec 30, 2027

Tax Assessment & Valuation

Source: St. Joseph County assessment roll, as of July 24, 2026

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		$115,100 Land $54,700 Building $60,400	$230,200 Land $109,400 Building $120,800
2025	$1,358.00 Homeowner's exemption

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 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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