10794 Lucas Rd, Three Rivers, MI 49093 Property Records

St. Joseph County property record for 10794 Lucas Rd, Three Rivers, MI 49093

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,456 sqft · built 2006
Lot Size	0.53 acres (23,087 sqft)
Owner	2 Individual Names on File
Last Sale	$12,500 (Jul 2005)
Tax Bill	$4,194 (2025)
Deeds & Mortgages	Sep 2026 Line of Credit Feb 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`004-200-089-00`

Property Details

APN / Parcel Number

Primary APN	`004-200-089-00`

Interior

Full Baths	2 Baths
Building Area	1,456 sqft Living Area
1st Floor Area	1,456 sqft
Basement Area	1,456 sqft
Unfinished Basement	1,456 sqft

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Ranch
Lot Area	23,087 sqft (0.53 acres)
Lot Dimensions	216 ft deep x 107 ft wide
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	10794 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 89 LATVIA. SEC 7 T6S R12W.
Legal Range	12W
Legal Township	06S
Legal Section	07
Legal Subdivision	LATVIA
Legal Lot Number	89
Jurisdiction	ST JOSEPH MI
Township / Civil Division	FABIUS
Census Block Group	2
Census Block	2007
Census Tract	41102

Owner

10794 Lucas Rd is owned by two individuals who bought it in July 2005.

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

Owner of Record	2 Individual Names on File
Mailing Address	5321 JOHNSON AVE, WESTERN SPRINGS, IL 60558-1948
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

Date	Document
Sep 2, 2026	Deed of Trust, Mortgage · Line of Credit FEDERAL SAVINGS BANK
Feb 22, 2022	Deed of Trust, Mortgage · Conventional Mortgage FIRST FEDERAL SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 18, 2005 · Amount on File
Deed Sale	Jul 18, 2005 · Amount on File
Deed Book / Page	1316 / 83
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH MI
Recording Date	Sep 2, 2026
Property Address	10794 LUCAS RD, THREE RIVERS, MI 49093-8597
Document Number	0000007104
Instrument Date	Aug 28, 2026
Instrument	20267104
Transaction Type	Mortgage
Record Updated	Sep 14, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10794 LUCAS RD, THREE RIVERS, MI 49093-8597

Mortgage

Document Number	0000007104,
Date	Sep 2, 2026
Instrument	20267104

Lender

Name	FEDERAL SAVINGS BANK

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Aug 30, 2056

Interest

Max Rate	-1%

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH MI
Property Address	10794 LUCAS RD, THREE RIVERS, MI 49093-8597
Transaction Type	Mortgage
Record Updated	Jun 16, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	31 E OGDEN AVE 327, 327, LA GRANGE, IL 60525-2131

Mortgage

Document Number	2022001659
Date	Feb 22, 2022
Instrument	2022001659

Lender

Name	FIRST FEDERAL SAVINGS BANK
Type	Bank
Address	40975

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 10794 Lucas Rd was $4,194.

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		$158,900 (-2.52%) Land $8,400 Building $150,500	$317,800 (-2.52%) Land $16,800 Building $301,000
2025	$4,194.00	$163,000 Land $7,200 Building $155,800	$326,000 Land $14,400 Building $311,600

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

Flood

FEMA maps place 10794 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 10794 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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