10778 Lucas Rd, Three Rivers, MI 49093 Property Records

St. Joseph County property record for 10778 Lucas Rd, Three Rivers, MI 49093

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,194 sqft · built 1992
Lot Size	0.5 acres (21,780 sqft)
Owner	2 Individual Names on File
Last Sale	$179,000 (Dec 2019)
Tax Bill	$1,098 (2025)
Deeds & Mortgages	Dec 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`004-200-090-00`

Property Details

APN / Parcel Number

Primary APN	`004-200-090-00`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Building Area	1,194 sqft Living Area
1st Floor Area	1,194 sqft
Basement Area	1,194 sqft
Unfinished Basement	1,194 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Architectural Style	Ranch
Lot Area	21,780 sqft (0.5 acres)
Lot Dimensions	218 ft deep x 99 ft wide
Garage Area	836 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	10778 LUCAS RD
City	THREE RIVERS
State	MI
Zip	49093-8597
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2
Legal Description	LOT 90 LATVIA. SEC 7 T6S R12W.
Legal Range	12W
Legal Township	06S
Legal Section	07
Legal Subdivision	LATVIA
Legal Lot Number	90
Jurisdiction	ST JOSEPH MI
Township / Civil Division	FABIUS
Census Block Group	2
Census Block	2007
Census Tract	41102

Owner

10778 Lucas Rd is owned by two individuals who bought it in December 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	557 CENTURY OAKS DR, ZIONSVILLE, IN 46077-9501
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	Dec 13, 2019 · Amount on File
Deed Sale	Dec 13, 2019 · Amount on File
Prior Sale	Apr 12, 1991 · Amount on File
Deed Book / Page	1988 / 282
Prior Transfer Date	Dec 3, 2014
Prior Transfer Doc	01767/0764
Record Updated	Sep 20, 2026

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOSEPH MI
Recording Date	Dec 13, 2019
Property Address	10778 LUCAS RD, THREE RIVERS, MI 49093-8597
Document Number	01988/0282
Book / Page	1988 / 0282
Map Reference	LB 4 PG 95&95A
Instrument Date	Dec 6, 2019
Transaction Type	Transfer
Record Updated	Jun 16, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,539.40
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1400 N DRAKE RD APT 351, 351, KALAMAZOO, MI 49006-3931

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	557 CENTURY OAKS DR, ZIONSVILLE, IN 46077-9501

Mortgage

Document Number	0001988285
Date	Dec 13, 2019
Instrument	1988/285

Lender

Name	LATVIAN CLEVELAND CU INC
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 10778 Lucas Rd was $1,098.

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		$144,900 (+5.08%)	$289,800 (+5.08%)
2025	$1,098.00	$137,900 Land $6,800 Building $131,100	$275,800 Land $13,600 Building $262,200

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

Flood

FEMA maps place 10778 Lucas Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 500 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

Wildfire risk around 10778 Lucas 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	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 63 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Starlink Satellite	280 / 30

Cell Coverage

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

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