11038 Harbor Dr, Three Rivers, MI 49093 Property Records

St. Joseph County property record for 11038 Harbor Dr, Three Rivers, MI 49093

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,344 sqft · built 1963
Lot Size	0.25 acres (10,890 sqft)
Owner	Individual Name on Record
Tax Bill	$8,041 (2025)
Deeds & Mortgages	Nov 2020 Mortgage Feb 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`004-330-022-00`

Property Details

APN / Parcel Number

Primary APN	`004-330-022-00`

Interior

Full Baths	1 Bath
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,344 sqft Living Area
1st Floor Area	1,344 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1963
Effective Year Built	Effective 1963
Lot Area	10,890 sqft (0.25 acres)
Lot Dimensions	121 ft deep x 90 ft wide
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	11038 HARBOR DR
City	THREE RIVERS
State	MI
Zip	49093-9256
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	LR
Legal Description	LOT 22 & W 1/2 LOT 23 SANDY HARBOR SEC 29 T6S R12W
Legal Range	12W
Legal Township	06S
Legal Section	29
Legal Subdivision	SANDY HARBOR
Legal Lot Number	22,23
Jurisdiction	ST JOSEPH MI
Township / Civil Division	FABIUS
Census Block Group	4
Census Block	4011
Census Tract	41102

Owner

Source: St. Joseph County records, as of July 24, 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	11038 HARBOR DR, THREE RIVERS, MI 49093-9256
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 23, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST FEDERAL SAVINGS BANK
Feb 14, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST FEDERAL SAVINGS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Deed Book / Page	694 / 396
Last Transfer Date	Nov 18, 2015
Transfer Doc	1804/0448
Record Updated	Sep 20, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH MI
Property Address	11038 HARBOR DR, THREE RIVERS, MI 49093-9256
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020007769
Date	Nov 23, 2020
Instrument	2020007769

Lender

Name	FIRST FEDERAL SAVINGS BANK
Type	Bank
Address	ROCHESTER, IN 46975

Agreement

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

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH MI
Property Address	11038 HARBOR DR, THREE RIVERS, MI 49093-9256
Transaction Type	Mortgage
Record Updated	Feb 24, 2020

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1996/0411
Date	Feb 14, 2020
Book Page	1996/0411

Lender

Name	FIRST FEDERAL SAVINGS BANK
Type	Bank
Address	ROCHESTER, IN 46975

Agreement

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

Tax Assessment & Valuation

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		$498,600 (+17.51%) Land $119,600 Building $379,000	$997,200 (+17.51%) Land $239,200 Building $758,000
2025	$8,041.00 Homeowner's exemption	$424,300 Land $96,500 Building $327,800	$848,600 Land $193,000 Building $655,600

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 AE, within 100 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 97% of the US · lower than 93% 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 23 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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