10591 Lucas Rd, Three Rivers, MI 49093 Property Records

St. Joseph County property record for 10591 Lucas Rd, Three Rivers, MI 49093

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,424 sqft · built 1930
Lot Size	0.23 acres (10,019 sqft)
Owner	2 Individual Names on Record
Last Sale	$51,000 (Jul 2011)
Tax Bill	$1,422 (2025)
Deeds & Mortgages	Apr 2024 Line of Credit May 2020 Line of Credit + 1 more
Flood Zone	Zone AE (high risk)
APN	`004-007-005-00`

Property Details

APN / Parcel Number

Primary APN	`004-007-005-00`

Interior

Full Baths	2 Baths
Stories	2 Stories
Building Area	1,424 sqft Living Area
1st Floor Area	1,424 sqft
Basement Area	800 sqft
Unfinished Basement	800 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Lot Area	10,019 sqft (0.23 acres)
Lot Dimensions	80 ft deep x 127 ft wide
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	10591 LUCAS RD
City	THREE RIVERS
State	MI
Zip	49093-8526
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	LR
Legal Description	COM ON S 1/4 LN SEC 7 T6S R12W AT INT WITH HWY (LUCAS RD) TH E ALG S LN HWY 438 FT TO E LN LOTS OWNED BY F GOEPFRICH AS POB T
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	2 Individual Names on Record
Mailing Address	10591 LUCAS RD, THREE RIVERS, MI 49093-8526
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Apr 17, 2024	Deed of Trust, Mortgage · Line of Credit ARBOR FINANCIAL CU
May 13, 2020	Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK NA
Jun 15, 2021	Deed of Trust, Mortgage · Conventional Mortgage ARBOR FINANCIAL CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 7, 2011 · Amount on Record
Deed Sale	Jul 7, 2011 · Amount on Record
Prior Sale	May 24, 2005 · Amount on Record
Deed Book / Page	1619 / 302
Last Transfer Date	May 16, 2016
Transfer Doc	01826/0551
Record Updated	Sep 20, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH MI
Property Address	10591 LUCAS RD, THREE RIVERS, MI 49093-8526
Transaction Type	Mortgage
Record Updated	May 3, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2024002985
Date	Apr 17, 2024
Instrument	2024002985

Lender

Name	ARBOR FINANCIAL CU
Type	Credit Union
Address	KALAMAZOO, MI 49009

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Apr 25, 2044

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH MI
Property Address	10591 LUCAS RD, THREE RIVERS, MI 49093-8526
Transaction Type	Mortgage
Record Updated	Aug 22, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10591 LUCAS RD, THREE RIVERS, MI 49093-8526
Investor	Possibly a Property Investor

Mortgage

Document Number	2020001639
Date	May 13, 2020
Instrument	2020001639

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH MI
Property Address	10591 LUCAS RD, THREE RIVERS, MI 49093-8526
Transaction Type	Mortgage
Record Updated	Aug 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021006266
Date	Jun 15, 2021
Instrument	2021006266

Lender

Name	ARBOR FINANCIAL CU
Type	Credit Union
Address	KALAMAZOO, MI 49009

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jul 1, 2036

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		$243,400 (-3.6%)	$486,800 (-3.6%)
2025	$1,422.00 Homeowner's exemption	$252,500 Land $93,700 Building $158,800	$505,000 Land $187,400 Building $317,600

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	892.0 ft
Flood Insurance Requirement	Required federally backed loans
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 99.1% of the US · lower than 98.4% 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

4G LTE (outdoors only), no 5G reported

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