10510 Harder Rd, Three Rivers, MI 49093 Property Records

St. Joseph County property record for 10510 Harder Rd, Three Rivers, MI 49093

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 2,520 sqft
Lot Size	32.8 acres (1,432,253 sqft)
Owner	Individual Name on Record
Last Sale	$399,900 (Apr 2020)
Tax Bill	$2,144 (2025)
Deeds & Mortgages	Mar 2019 Line of Credit Feb 2022 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`004-031-015-10`

Property Details

APN / Parcel Number

Primary APN	`004-031-015-10`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,520 sqft Living Area
1st Floor Area	1,392 sqft
Basement Area	1,392 sqft

Exterior

Lot Area	1,432,253 sqft (32.8 acres)
Lot Dimensions	250 ft deep x 250 ft wide
Garage Area	896 sqft
Parking Spaces	4 Parking Spaces
Total Buildings	5 Buildings

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	10510 HARDER RD
City	THREE RIVERS
State	MI
Zip	49093-8253
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COM S 1/4 COR SEC 31 T6S R12W TH N 00D 16M 46S W 2636.33 FT TH E 577.5 FT TH S 00D 16M 46S E 2140 FT TH N 89D 44M 19S W 225 F
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

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	10510 HARDER RD, THREE RIVERS, MI 49093-8253
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 26, 2019	Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK WESTERN MICHIGAN
Feb 16, 2022	Deed of Trust, Mortgage · Line of Credit NETWORK SMALL BUSINESS FINANCE LLC
Apr 28, 2020	Warranty Deed, Transfer · Conventional Mortgage RUOFF MORTGAGE COMPANY INC
Jul 5, 2019	Intrafamily Transfer, Transfer
Jul 5, 2019	Warranty Deed, Transfer · Conventional Mortgage CONSUMERS CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 28, 2020 · Amount on Record
Deed Sale	Apr 28, 2020 · Amount on Record
Prior Sale	Apr 28, 2020 · Amount on Record
Deed Document Number	20201148
Prior Transfer Date	Jun 28, 2019
Prior Transfer Doc	01965/0133
Record Updated	Sep 20, 2026

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH MI
Property Address	10510 HARDER RD, THREE RIVERS, MI 49093-8253
Transaction Type	Mortgage
Record Updated	Aug 17, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01952/0239
Date	Mar 26, 2019
Book Page	1952/0239

Lender

Name	FIFTH THIRD BANK WESTERN MICHIGAN
Type	Bank
Address	GRAND RAPIDS, MI 49546

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH MI
Property Address	10510 HARDER RD, THREE RIVERS, MI 49093-8253
Transaction Type	Mortgage
Record Updated	Aug 17, 2023
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10510 HARDER RD, THREE RIVERS, MI 49093-8253

Mortgage

Document Number	2022001490
Date	Feb 16, 2022
Instrument	2022001490

Lender

Name	NETWORK SMALL BUSINESS FINANCE LLC
Type	Non-Lending Institution
Address	NEW HYDE PARK, NY 11042

Agreement

Type	Line of Credit
Amount	Amount Recorded

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOSEPH MI
Recording Date	Apr 28, 2020
Property Address	10510 HARDER RD, THREE RIVERS, MI 49093-8253
Document Number	2020001148
Instrument Date	Apr 23, 2020
Instrument	2020001148
Transaction Type	Transfer
Record Updated	Aug 22, 2023
Title Company	EVONS TITLE, DEVON TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,000.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	206 NW 7TH PL, CAPE CORAL, FL 33993-2439

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	125 GREEN ST APT 203, 203, GRANGER, IN 46530-0049

Mortgage

Document Number	2020001149
Date	Apr 28, 2020
Instrument	2020001149

Lender

Name	RUOFF MORTGAGE COMPANY INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2050

July 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST JOSEPH MI
Recording Date	Jul 5, 2019
Property Address	10510 HARDER RD, THREE RIVERS, MI 49093-8253
Document Number	01965/0133
Book / Page	1965 / 0133
Instrument Date	Jun 28, 2019
Transaction Type	Transfer
Record Updated	Aug 17, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10510 HARDER RD, THREE RIVERS, MI 49093-8253

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOSEPH MI
Recording Date	Jul 5, 2019
Property Address	10510 HARDER RD, THREE RIVERS, MI 49093-8253
Document Number	01965/0121
Book / Page	1965 / 0121
Instrument Date	Jun 28, 2019
Transaction Type	Transfer
Record Updated	Aug 17, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,440.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10510 HARDER RD, THREE RIVERS, MI 49093-8253

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	810 SUGAR MAPLE ST # 22, 22, VICKSBURG, MI 49097-1509

Mortgage

Document Number	0001965124
Date	Jul 5, 2019
Instrument	1965/124

Lender

Name	CONSUMERS CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2049

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		$324,800 (+20.39%)	$649,600 (+20.39%)
2025	$2,144.00 Homeowner's exemption	$269,800 (+19.86%) Land $121,900 Building $147,900	$539,600 (+19.86%) Land $243,800 Building $295,800
2023		$225,100 Land $57,300 Building $167,800	$450,200 Land $114,600 Building $335,600

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 A, within 500 ft
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

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

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

Cell Coverage

5G (outdoors only) and 4G LTE

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