10651 N River Rd, Constantine, MI 49042 Property Records

St. Joseph County property record for 10651 N River Rd, Constantine, MI 49042 · Last verified August 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bathrooms	2 Baths
Square Footage	1,284 sqft Building Perimeter
Lot Size	871,200 sqft (20 acres)
Garage	576 sqft
Occupancy	Owner Occupied
Last Sale	$167,983 (2009)
Tax Bill	$4,542.00 (2025)

Owner

Source: St. Joseph County records · APN 003-031-007-40

Assessment roll updated July 24, 2026 · Last verified August 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 File
Mailing Address	10651 N RIVER RD, CONSTANTINE, MI 49042-9609
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jul 01, 2009 · Amount on Record
Deed Sale	Jul 01, 2009 · Amount on Record
Prior Sale	Oct 08, 2004 · Amount on Record
Deed Book / Page	1537 / 533
Prior Transfer Date	Feb 04, 2004
Prior Transfer Doc	1218000040
Record Refreshed	Sep 20, 2026

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOSEPH MI
Recording Date	Nov 16, 2022
Property Address	10651 N RIVER RD, CONSTANTINE, MI 49042-9609
Document Number	2022009764
Instrument Date	Nov 04, 2022
Instrument	2022009764
Transaction Type	Transfer
Record Updated	Nov 30, 2022
Title Company	PATRICK ABSTRACT AND TITLE OFFICE INC, PATRICK ABTRACT & TTL OFFICE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$3,641.25
Amount Accuracy	Full Amount Stated
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10651 N RIVER RD, 10651, CONSTANTINE, MI 49042-9609

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1985 N 1000 W, SHIPSHEWANA, IN 46565-9318

Mortgage

Date	Nov 16, 2022

Lender

Name	INTERRA CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 01, 2052

Interest

Rate Type	Adjustable Rate
Rate	5.75%
Adjustable	Document includes a rider for adjustable-rate mortgage with a specific rate change date.
Type Change Date	Dec 01, 2027
Change Frequency	5 Years
Min Rate At Change	3.75%
Max Rate At Change	7.75%
Index	Other
Margin	3
Max Rate	11.7%

Tax Assessment & Valuation

Source: St. Joseph County records · Assessment roll updated July 24, 2026 · Last verified August 2026

Property Jurisdictions

Type	Name
State	Michigan
County	St. Joseph County
County Subdivision	Constantine Township
Unified School District	Constantine Public School District (KG - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$210,000 (+12.54%) Land $40,200 Building $169,800	$420,000 (+12.54%) Land $80,400 Building $339,600
2025	$4,542.00 Homeowner's exemption	$186,600 Land $40,800 Building $145,800	$373,200 Land $81,600 Building $291,600

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, St. Joseph County (26149C), updated June 4, 2010 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified: October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No
Nearest Special Flood Hazard Area	Zone A, within 500 ft

Wildfire

Wildfire Risk	Low above 7% of the US · above 17% of Michigan
Wildfire Likelihood	Less than 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.

Property Details

APN / Parcel Number

Primary APN	`003-031-007-40`

Interior

Full Baths	2 Baths
Building Area	1,284 sqft Building Perimeter
1st Floor	1,284 sqft 1st Floor
Basement Area	1,284 sqft Basement
Unfinished Basement	1,284 sqft Unfinished

Exterior

Lot Area	871,200 sqft (20 acres)
Garage Area	576 sqft Garage

Utilities and HVAC

Heating System	Forced Air with Air Conditioning Heating

Location & Zoning

Street Address	10651 N RIVER RD
City	CONSTANTINE
State	MI
Zip	49042-9609
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	COM CEN SEC 31 T7S R12W TH S ALG 1/4 LN 947.75 FT TH N 69D 21M E ALG C/L N RIVER RD 779.88 FT TO POB TH N 69D 21M E ALG C/L 9
Legal Range	12W
Legal Township	07S
Legal Section	31
Jurisdiction	ST JOSEPH MI
Minor Civil Division	CONSTANTINE
Census Blockgroup	2
Census Block	2065
Census Tract	41101